Privacy Policy

Jorge & Byanka Ceballos are licensed insurance agents operating under Experior Financial Group. We help individuals and families find personalized life insurance, annuity, and related financial protection products.

This Privacy Policy explains what information we collect, how we use it, who we share it with, and your rights regarding your personal data.

We collect information you voluntarily provide through our life insurance quote and intake form, including:

• Full legal name, date of birth, gender, and Social Security Number (SSN)
• Contact information — email, phone number, and home address
• Health history, current medications, and medical conditions
• Lifestyle information — tobacco use, occupation, and income
• Beneficiary information — names, relationships, dates of birth
• Bank account details for premium payment setup (routing and account numbers)
• Electronic signature and authorization
• Criminal history disclosure as required for underwriting

• To prepare personalized life insurance quotes and present plan options
• To contact you by phone, text, or email about your insurance inquiry
• To submit life insurance applications to carriers on your behalf with your consent
• To process premium payments via your chosen payment method
• To follow up on related products such as annuities or will and trust services if you expressed interest
• To comply with applicable insurance regulations and legal requirements

We may share your information only with:

• Life insurance carriers — to obtain quotes or process applications you authorize
• Experior Financial Group — our IMO providing licensing and compliance oversight
• Formspree — our secure form submission processor
• Legal authorities — when required by law or court order

By submitting our form and checking the TCPA consent box, you expressly authorize Jorge & Byanka Ceballos / Experior Financial Group to contact you using automated dialing systems, prerecorded or AI-generated voice messages, and SMS/MMS text messages.

Consent is not required as a condition of purchasing insurance. Reply STOP to any text message to opt out.

All information submitted through our form is transmitted over SSL/TLS encryption (HTTPS). Social Security Numbers are masked visually and transmitted only over encrypted connections. Bank account and routing numbers are stored securely by our form processor and never stored on our own servers.

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. TCPA consent records are retained for a minimum of 5 years as required by law.

Our website uses minimal session data to maintain form state. We do not use advertising tracking pixels, retargeting cookies, or third-party analytics. The UserWay accessibility widget may collect anonymized usage data for accessibility improvement purposes only.

Our services are intended for adults 18 years and older. We do not knowingly collect personal information from children under 18. Dependent or beneficiary information involving minors is provided by the adult applicant solely for insurance underwriting purposes.

We may collect children's information solely for policy purposes — including juvenile life insurance policies — only with the express written consent of a parent or legal guardian. Such information is used exclusively for underwriting and policy administration and is never shared for marketing purposes.

We may update this Privacy Policy periodically. When we do, we will update the effective date at the top of this page. Continued use of our form after changes constitutes your acceptance of the updated policy.