Last Updated: June 7, 2026

Welcome to Cindy-Lou Baxter, Independent Life and Health Insurance Broker. This page describes the Privacy Policy that governs the use of your data when using our website and services, and provides detailed information on our data collection practices. Please see our Terms of Service for additional guidelines defining our relationship with you as you interact with our website.

Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you have any questions or concerns, please contact us at info@cindyloubaxter.com.

Summary of Key Points

• What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with Heritage Life and Health Solutions, the choices you make, and the products or features you use.
• Do we process any sensitive personal information? We may process sensitive personal information when necessary with your explicit consent or as otherwise permitted by applicable law.
• How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, ensure security and fraud prevention, and comply with the law. We process your information only when we have a valid legal reason to do so.
• How do we keep your information safe? We have organizational and technical processes in place to protect your personal information. However, no electronic transmission over the internet can be guaranteed 100% secure.

1. What Information Do We Collect?

Personal Information You Disclose to Us

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and services, or when you contact us directly. This includes:

• Names
• Phone numbers
• Email addresses
• Mailing addresses
• Contact preferences

Information Automatically Collected

We automatically collect certain technical information when you visit, use, or navigate our website (such as your IP address, browser characteristics, operating system, and device details). This information is primarily needed to maintain the security and operation of our digital infrastructure and for internal analytics.

2. How Do We Process Your Information?

We process your personal information for a variety of operational reasons, including:

• To deliver and facilitate the delivery of requested insurance services and consultations.
• To respond to user inquiries and offer client support.
• To send administrative information, policy updates, or changes to our terms.
• To send you requested marketing and promotional communications (which you can opt out of at any time).
• To comply with our strict legal and regulatory obligations.

3. What Legal Bases Do We Rely On?

We only process your personal information when we have a valid legal reason to do so under applicable law, such as with your express consent, to fulfill our contractual obligations to you, or to comply with state and federal regulations.

4. When and With Whom Do We Share Your Information?

We may share information in specific situations, such as during business transfers, or when using standard digital integrations like the Google Maps Platform API.

Important SMS Privacy Disclosure: > Mobile information, phone numbers, and SMS opt-in consent data will absolutely not be sold, rented, leased, or shared with third parties or affiliates for marketing or promotional purposes under any circumstances.

5. How Long Do We Keep Your Information?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, compliance, or insurance accounting requirements).

6. How Do We Keep Your Information Safe?

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. Transmission of personal information to and from our Services is at your own risk, and you should always access our digital tools within a secure environment.

7. Do We Collect Information From Minors?

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 years old.

8. What Are Your Privacy Rights?

You may review, change, or request the deletion of the information you have provided to us at any time.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing emails at any time by clicking on the unsubscribe link in the footers, or by replying “STOP” or “UNSUBSCRIBE” to any SMS messages you receive from us.

9. How Can You Contact Us About This Notice?

If you have questions, comments, or requests regarding this policy, you can reach us directly via email at: info@cindyloubaxter.com