Media Holding Group LLC d/b/a IUL.org ("IUL.org," "we," "us," or "our") explains how we collect, use, disclose, and safeguard information when you visit IUL.org or use our services. This Policy should be read together with our Terms of Service. Capitalized terms not defined here have the meanings given in the Terms of Service.
This Privacy Policy applies to:
(A) Business Users such as insurance professionals, agencies, and other entities that access our website or use our platform; and
(B) Lead Consumers, meaning individuals whose information appears in lead records processed through our platform.
IUL.org operates a marketing technology, CRM, and lead delivery platform for licensed insurance professionals. We do not sell insurance to consumers.
Lead Consumers provide prior express written consent to be contacted by IUL.org and its Authorized Representatives. An Authorized Representative is a Business User or other person granted access to the IUL.org CRM, and is authorized to contact only the IUL Leads delivered to their own CRM sub-account, consistent with the consent the consumer provided.
Business Users are independent businesses. When a Business User contacts a Lead Consumer, the Business User is the seller and telemarketer for that outreach and is solely responsible for determining that the outreach is lawful. IUL.org does not warrant that any consent is valid or sufficient for any particular outreach method or use, and does not determine the legality of any Business User's communications.
We may collect:
When you access our site or platform, we may collect:
For lead delivery services, we collect or receive information about Lead Consumers, which may include:
A lead record reflects that the consumer meets IUL.org's qualification criteria and provided consent to be contacted. As with any lead source, interest and purchase decisions vary by consumer. The consent language presented to consumers may vary by campaign; the consent record captured at collection controls.
We use information to:
We disclose information to vendors and affiliated entities that support our operations, including:
These parties may access information only to perform services on our behalf and are required to protect it.
When Business Users purchase lead delivery services, Lead Data is delivered into the Business User's CRM sub-account so the Business User, as an Authorized Representative, may contact the consumer regarding insurance products.
Lead Data is delivered exclusively to the sub-account associated with the order and is not resold or reassigned to any other Business User. A Business User may store Lead Data and contact the consumer through the platform or through its own systems, and is responsible for that data and contact in its own systems. To protect the chain of consent under which each consumer agreed to be contacted, Business Users may not resell, broker, share, or redistribute Lead Data to any third party.
Under certain state privacy laws (including California), delivering Lead Data to a Business User may be classified as a "sale" or "sharing" of personal information. Consumers may exercise the opt-out rights described in Sections 7.6, 8, and 9.
If you accept cookies through our cookie banner, the Meta (Facebook) Pixel loads and Meta receives device identifiers and information about your visit for measurement, attribution, and audience building. If you do not accept, this information is not sent. We do not disclose Lead Consumer contact data to third parties for their own marketing unrelated to our platform.
We may disclose information as required by law, legal process, or to protect rights, safety, and security.
Information may be transferred as part of a merger, acquisition, financing, reorganization, or sale of assets.
We may send operational communications related to:
We may send promotional emails about IUL.org services. You may unsubscribe at any time using the link provided or by contacting [email protected].
Lead Consumers who provide consent may be contacted by IUL.org and its Authorized Representatives, including by call and text and by automated or prerecorded means, at the number provided, as described in the consent record captured at collection.
Each Authorized Representative is solely responsible for confirming that its own outreach complies with applicable law, and for maintaining and honoring any consent, suppression, and opt-out obligations for its own calls, texts, emails, or other outreach.
Lead Consumers may receive recurring educational emails about Indexed Universal Life insurance, sent through our platform under the brand of the Business User to whom the lead was delivered. Every email includes an unsubscribe link.
Business Users who receive Lead Data are solely responsible for compliance with all applicable laws and regulations, including:
Business Users may contact Lead Data through platform infrastructure or through their own systems. For any contact made outside the platform, the Business User is solely responsible for consent verification, opt-out handling, Do-Not-Call compliance, and suppression. IUL.org does not provide legal advice and does not determine whether a particular outreach is lawful.
On pages where we use advertising or analytics tools, we show a cookie banner. These tools, including the Meta (Facebook) Pixel, do not load and no advertising or analytics cookies are set unless you click "Yes, please." If you click "No thanks" or ignore the banner, they are not loaded. If your browser sends a Global Privacy Control signal, we treat it as "No thanks" and do not show the banner. Your choice is remembered for up to 12 months across IUL.org and its subdomains, and we ask again if the banner's wording changes.
If you click "Yes, please," the Meta Pixel loads and Meta receives information about your visit, such as pages viewed, actions taken, device and browser information, and IP address. We use this information to measure and improve our advertising. Meta's use of this information is governed by Meta's own privacy policy.
When you click "Yes, please," we record the date and time, the page, the banner wording shown, a randomly generated visitor ID, your IP address, and your browser type, screen size, and language. We use a third-party service to identify your IP address at that moment. We keep these records as proof of your consent. We do not record anything when you click "No thanks."
You can withdraw consent at any time. Click the button below to reset your cookie choice on this browser; the cookie banner will ask you again on your next visit, and nothing is tracked unless you click "Yes, please" again. You can also clear cookies for IUL.org in your browser or contact [email protected]. Withdrawing consent stops future collection; it does not affect information collected before you withdrew.
Our site is delivered through Cloudflare, which provides security, performance, and cookie-free traffic statistics. You can also manage cookies through your browser settings.
Where required by law, consumers may opt out of the sale or sharing of personal information and of targeted advertising by:
We honor Global Privacy Control (GPC) signals on our website: a browser that sends a GPC signal is treated as declining cookies, and the Meta Pixel is not loaded.
California residents may have rights to:
Residents of other states with comprehensive consumer privacy laws, including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Delaware, New Hampshire, New Jersey, Nebraska, Tennessee, Minnesota, Maryland, Indiana, Kentucky, and Rhode Island, may have some or all of the following rights, depending on the law of their state:
Requests may be submitted via:
Email: [email protected]
Phone: +1 (332) 333-3485
We verify requests as required by law and respond within applicable timeframes. An authorized agent may submit a request on a consumer's behalf where permitted by law.
If we decline to take action on your request, you may appeal by emailing [email protected] with the subject line "Privacy Request Appeal." We will respond to appeals within the time required by applicable law. If your appeal is denied, you may contact your state attorney general.
Lead Consumers may:
Opt-outs submitted by replying STOP or unsubscribing through the platform are applied to the sub-account of the Business User that sent the message. If a Business User contacts a consumer through its own systems, the consumer may ask that Business User directly to stop contact, and the Business User is responsible for honoring that request.
Each Business User is independently responsible for maintaining its own suppression list and honoring all opt-out requests it receives, regardless of source.
We retain information as reasonably necessary to:
Retention periods vary by data type and legal requirements. Cookie consent records are kept for as long as needed to demonstrate consent.
We implement commercially reasonable safeguards, including encryption in transit, access controls, and monitoring. No system is perfectly secure. Business Users are responsible for safeguarding account credentials.
We are U.S.-based. Information may be processed in the United States and other jurisdictions.
Our services are not directed to children under 13. We do not knowingly collect personal information from children.
We may update this Policy from time to time. The "Last Updated" date reflects the current version. Continued use constitutes acceptance.
Media Holding Group LLC d/b/a IUL.org
8 The Green, Suite A
Dover, DE 19901
Phone: +1 (332) 333-3485
Email: [email protected]