This Privacy Policy( “Policy”) applies to www.vossagencyusa.com, and The Voss Agency (“Company”) and governs data collection and usage.  

For the purposes of  this Privacy Policy, unless otherwise noted, all

references to the Company include www.vossagencyusa.com.

The Company’s website is a life insurance site. By using the Company

website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered,the

Company may collect personally identifiable information, such as your:

Full name, Mailing address, Email address, Phone number, Employer, Job title, Health History , Billing Information, Beneficiary Information

If you purchase the Company’s products and services,we collect billing and credit card information. This information is used to complete the

purchase transaction.

The Company may also collect anonymous demographic information, 

which is not unique to you, such as your:

-Age

-Gender

-Household Income

We do not collect any personal information about you unless you

voluntarily provide it to us. However, you may be required to provide

certain personal information to us when you elect to use certain products

or  services.These  may  include:(a)registering  for  an  account;

(b)signing up  for  special  offers  from  selected  third  parties; (d)sending  us an  email  message; (e)submitting  your  credit  card  or  other  payment

information when  ordering  and purchasing products  and  services. To  wit, we will use your information  for,but not  limited to,communicating with  you in relation to services and/or products you have requested from us.

We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

The Company collects and uses your personal information in the following ways:

-to operate and deliver the services you have requested

-to provide you with information,products, or services that you request from us

-to provide you with notices about your account

to carry out the Company’s obligations and enforce our rights arising from any contracts entered between you and us,including for billing and collection

to notify you about changes to our http://www.vossagencyusa.com or any products or services we offer or provide through it

-in any other way we may describe when you provide the information

-for any other purpose with your consent.

The Company may also use your personally identifiable information to

inform you of other products or services available from the Company and  its  affiliates.

Sharing Information with  Third Parties

The Company does not sell,rent,or lease its customer lists to third parties.

The Company may,from time to time,contact you on behalf of external

business partners about a particular offering that may be of interest to you.

In those cases,your unique personally identifiable information (email,

name,address,phone number)is transferred to the third party. The

Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide 

customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the 

confidentiality of your information. The Company may disclose your 

personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a)conform to the edicts of the law or comply with legal process served on the Company or the site; (b)protect and defend the  rights or property of the Company; and/or (c)act under exigent

circumstances to protect the personal safety of users of the Company,or the public.

Opt–Out of Disclosure of Personal Information to Third Parties

In connection with any personal information we may disclose to a third party for a business purpose,you have the right to know:

The categories of personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act of 2018

(CCPA) and certain other privacy and data protection laws, as applicable,

to opt out of the disclosure of your personal information.If you exercise your right to opt out of the disclosure of your personal information,we   will refrain from disclosing your personal information, unless you

subsequently provide express authorization for the disclosure of your personal information. To opt out of the disclosure of your personal

information, visit this web page                                    

Tracking User Behavior

The Company may keep track of the websites and pages our users visit    within the Company,in order to determine what the Company services are the most popular.

This data is used to deliver customized content and advertising within the Company to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

The Company may automatically collect information about your

computer hardware and software. This information can include your

IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service,and to provide general statistics regarding the use of the Company’s website.

Use of Cookies

The Company’s website may use “cookies”to help you personalize your  online experience. A cookie is a text file that is placed on your hard disk  

by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you,and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the 

web server that  you have returned to a specific page.

For example,if you personalize the Company’s pages,or register with Company’s site or services, a cookie helps the Company to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses,shipping addresses, and so on.

When you return to the same website, the information you previously

provided can be retrieved, so you can easily use the Company’s features that you customized.

You have the ability to accept or decline cookies. Most web browsers

automatically accept cookies, but you can usually modify your browser

settings to decline cookies if you prefer. If you choose to decline cookies,  you may not be able to fully experience the interactive features of the

Company’s services or websites you visit.

Links

This website contains links to other sites.Please be aware that we are not responsible for the content or privacy practices of such other sites.

We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable  information.

Security of your Personal Information

The Company secures your personal information from unauthorized

access,use,or disclosure. The Company uses the following methods for this purpose:

-SSL Protocol

When personal  information(such  as  a  credit  card  number)is  

transmitted to other websites,it is protected through the use of encryption, such as the Secure  Sockets  Layer (SSL)protocol.

We strive to take appropriate security measures to protect against

unauthorized access to or alteration of your personal information.

Unfortunately,no data transmission over the Internet or any wireless  network  can  be  guaranteed  to be  100%secure.As  a  result,while  we   strive  to  protect  your  personal  information,you  acknowledge  that:(a)

there are security and privacy limitations inherent to the Internet that are   beyond  our  control;and  (b)the  security,integrity,and  privacy  of  any  and all information and data exchanged between you and us 

through this site cannot be guaranteed.

Right to Deletion

Subject to certain exceptions set out below,on receipt of a verifiable requst  from you, we will:

-Delete your personal information from our records;and

-Direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

Complete the transaction for which the personal information was collected,fulfill the terms of a written warranty or product recall conducted in accordance with

federal law,and provide a good or service requested by you,or reasonably

anticipated within the context of our ongoing business relationship with you,or otherwise perform a contract between you and us;

Detect security incidents,protect against malicious,deceptive,fraudulent,or illegal activity;or prosecute those responsible for that activity;

-Debug to identify and repair errors that impair existing intended functionality;

Exercise free speech,ensure the right of another consumer to exercise his or her

right of free speech,or exercise another right provided for by law;

-Comply with the California Electronic Communications Privacy Act;

Engage in public or peer-reviewed scientific, historical, or statistical research in the  public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent; Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

-Comply with an existing legal obligation;or Otherwise use your personal information,internally,in a lawful manner that is compatible with the context in which you provided the information.

Children  Under  Thirteen

The Company does not knowingly collect personally identifiable

information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this site.

Opt  Out  and  Unsubscribe  from  Third-Party  Communications

We respect your privacy and give you an opportunity to opt out of

receiving announcements of certain information.Users may opt out of receiving any or all communications from third-party partners of the

Company by contacting us here:

-Email: zachvoss.symmetry@gmail.com

Email  Communications

From time to time,the Company may contact you via email for the purpose  of  providing announcements,promotional offers,alerts, confirmations, surveys, and/or other general communication. In order to improve our services, we may receive a notification when you open an email from the Company or click on a link therein.

If you would like to stop receiving marketing or promotional

communications via email from the Company,you may opt out of such communications by Sending “STOP”in any communications.

External Data Storage Sites

We may store your data on servers provided by third-party hosting vendors with whom we have contracted.

Changes to This Statement

The Company reserves the right to change this Policy from time to time.  

For example,when there are changes in our services,changes in our data protection practices,or changes in the law.When changes to this Policy  are significant,we will inform you.

You may receive a notice by sending an email to the primary email address specified in your account,by

placing a prominent notice on our The Voss Agency,and/or by updating any privacy information.Your continued use of the website and/or

services available after such modifications will constitute your:

(a)acknowledgment of the modified Policy; and 

(b)agreement to abide and be bound by that Policy.

Contact Information

The Company welcomes your questions or comments regarding this

Policy.

If you believe that the Company has not adhered to this Policy, 

please contact the Company at:

The Voss Agency

Caro,Michigan  48723

Email Address: zachvoss.symmetry@gmail.com

Phone Number: (989)670-0683

Effective as of January 01,2024