1.Introduction

Onyx Consumer Solutions LLC ("Company," "we," "us," "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit onyxlife.org or use our services.

2.Information We Collect

We may collect:

• Your name, phone number, email address, and mailing address.
• Date of birth and gender.
• Health-related information used to provide life insurance quotes.
• Information about your use of our website (such as IP address, browser type, and cookies).

3.How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and connect you with licensed agents and carriers.
• Schedule and remind you of appointments.
• Send you SMS, email, and other communications.
• Respond to your inquiries.
• Comply with legal and regulatory requirements.
• Improve and analyze our services.

4.SMS Consent and Privacy

When you opt in to receive text messages from Onyx Consumer Solutions LLC, we do not share, sell, rent, or transfer your phone number, mobile opt-in data, or SMS consent information to any third parties or affiliates for their marketing purposes. Your SMS consent information is used solely by Onyx Consumer Solutions LLC for the purposes described in our Terms of Service, including appointment setting and marketing communications.

5.Information Sharing

We may share your information with:

• Licensed insurance carriers and licensed agents to fulfill quote and policy requests.
• Service providers who help us operate our business (such as hosting, CRM, and analytics providers), under appropriate confidentiality obligations.
• Law enforcement or government authorities when required by law.

We do not sell your personal information.

6.Cookies and Tracking

Our Site uses cookies and similar technologies to enhance your browsing experience and analyze website performance. You may disable cookies in your browser settings, though this may affect Site functionality.

7.Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the Internet is completely secure.

8.Your Rights

You may request to access, correct, or delete your personal information by contacting us at [email protected]. California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt out of the sale of personal information.

9.Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

10.Changes to This Policy

We may update this Privacy Policy from time to time. The "Effective Date" above will be revised when changes are made. Continued use of the Site or services after such changes constitutes acceptance of the updated Policy.

11.Contact Us

Onyx Consumer Solutions LLC
228 W Pomona Ave
Email: [email protected]