Privacy Policy

i.Introduction

This Privacy Policy applies to information collected through touchstoneinsurance.net and any related services, communications, or interactions with Touchstone Insurance. By using our website or providing your information to us, you agree to the practices described in this policy.

We provide insurance advisory services, pre-planning consultations, life insurance solutions, funeral planning support, and digital legacy services. To deliver these services, we collect and process certain personal information as outlined below.

ii.Information We Collect

We collect personal information that you voluntarily provide to us, as well as certain information automatically when you visit our website.

Information You Provide

• Contact details, including your name, email address, telephone number, and mailing address
• Demographic information, including age, date of birth, gender, and family circumstances relevant to insurance and planning services
• Health and lifestyle information that may be required to evaluate insurance coverage options
• Financial information related to your planning needs, such as estimated coverage amounts and beneficiary details
• Communications you send to us, including messages submitted through our contact form, emails, or telephone calls
• Appointment scheduling information when you book a consultation through our online booking tools

Information Collected Automatically

• Device and browser information, including IP address, browser type, operating system, and device identifiers
• Usage data, including the pages you visit, the time spent on each page, and your navigation paths through our site
• Referral source information indicating how you arrived at our website
• Cookie and tracking data as further described in the Cookies section below

Information from Third Parties

We may receive information about you from trusted third-party sources, including marketing partners, lead-generation services, insurance carriers, public records, and identity-verification providers. We use this information to verify your identity, evaluate your eligibility for insurance products, and improve our services.

iii.How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide the consultations, quotes, and services you request
• To match you with insurance products and planning solutions appropriate to your needs
• To communicate with you about your account, applications, policies, and services
• To send marketing communications about our services and related offerings, where you have consented to receive them
• To verify your identity and protect against fraud, unauthorized access, and other illegal activity
• To comply with applicable legal obligations, including insurance regulations and tax requirements
• To analyze and improve our website, services, and customer experience
• To enforce our terms of service and protect the rights, property, and safety of Touchstone, our clients, and others

iv.How We Share Information

We do not sell your personal information in the traditional sense. However, we may share your information in the following circumstances:

Insurance Carriers and Service Providers

To deliver insurance products and planning services, we share information with the insurance carriers, underwriters, funeral planning partners, monument providers, and digital legacy platform operators who help fulfill your requests.

Affiliates and Marketing Partners

We work with a network of affiliates, including Final Wish Secure, that provide complementary services. We may share your contact information with these partners so they can contact you about products and services that may interest you, consistent with the consent you have provided.

Service Vendors

We share information with vendors who provide services on our behalf, such as website hosting, email delivery, customer relationship management, analytics, lead-tracking technology (including LeadID and TrustedForm), and appointment scheduling. These vendors are contractually obligated to use your information only for the services they provide to us.

Legal and Compliance Disclosures

We may disclose your information when required by law, court order, or government request; to enforce our agreements; to protect the rights, property, or safety of Touchstone, our clients, or others; or in connection with a merger, acquisition, or sale of business assets.

v.TCPA & Marketing Communications

When you submit your contact information through our website, contact form, or partner channels, you may be providing express written consent for us and our affiliates to contact you by telephone, text message, and email — including through automated dialing technology — for marketing purposes.

Withdrawing Your Consent

You may withdraw your consent at any time. To stop marketing calls or texts, reply STOP to any text message or ask the caller to add you to our internal do-not-call list. To unsubscribe from marketing emails, click the unsubscribe link at the bottom of any marketing email or contact us directly. Please note that even after withdrawing consent, we may still contact you about active services or transactions you have requested.

vi.Cookies & Tracking Technologies

Our website uses cookies, web beacons, pixel tags, and similar tracking technologies to recognize your device, remember your preferences, analyze website traffic, and support marketing efforts. We use both first-party cookies (set by Touchstone) and third-party cookies (set by our analytics and advertising partners).

Types of Cookies We Use

• Essential cookies — required for the website to function, such as those that maintain your session
• Analytics cookies — help us understand how visitors interact with our site so we can improve it
• Marketing cookies — used to deliver advertising relevant to you and measure campaign effectiveness
• Lead-verification cookies — including those used by LeadID and TrustedForm to verify the authenticity and consent of inquiries submitted through our forms

Managing Cookies

Most web browsers allow you to control cookies through your browser settings. You can choose to block cookies, delete existing cookies, or be notified before a cookie is set. Disabling cookies may affect the functionality of our website. To opt out of interest-based advertising, visit the Digital Advertising Alliance or the Network Advertising Initiative.

vii.Your Privacy Rights

You have the following rights regarding your personal information, subject to applicable law:

• Right to access — request a copy of the personal information we hold about you
• Right to correct — request that we correct inaccurate or incomplete information
• Right to delete — request that we delete your personal information, subject to certain legal exceptions
• Right to opt out — opt out of marketing communications and certain types of information sharing
• Right to portability — request a copy of your data in a portable format where applicable
• Right to non-discrimination — exercise these rights without facing discrimination from us

To exercise any of these rights, please contact us using the information at the bottom of this policy. We will respond to verified requests within the timeframes required by applicable law.

viii.State-Specific Rights

California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete, the right to correct, the right to opt out of the sale or sharing of personal information, and the right to limit the use of sensitive personal information. You may also designate an authorized agent to make a request on your behalf.

Other State Privacy Laws

If you are a resident of Colorado, Connecticut, Virginia, Utah, Texas, or another state with comprehensive privacy legislation, you may have similar rights regarding your personal information. To exercise any state-specific rights, please contact us using the information below and identify your state of residence.

Insurance-Specific Privacy Rights

As an insurance services provider, we are also subject to state insurance privacy laws and the federal Gramm-Leach-Bliley Act (GLBA). These laws provide additional protections for nonpublic personal financial information.

ix.Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. Insurance and financial records are typically retained for the periods required by applicable insurance regulations and tax law, which may extend several years beyond the end of our relationship.

Once retention is no longer required, we securely delete or anonymize your information.

x.Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These safeguards include encrypted data transmission, access controls, secure storage, and regular security reviews.

However, no method of transmission or storage is completely secure. While we work to protect your information, we cannot guarantee absolute security. You play an important role in keeping your information secure by maintaining the confidentiality of any passwords or access credentials.

xi.Third-Party Links

Our website may contain links to third-party websites, services, or applications that are not operated by Touchstone. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party services you visit through our website.

xii.Children’s Privacy

Our services are not directed to children under the age of 18, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can promptly delete it.

xiii.Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will revise the “Last Updated” date at the top of this policy and, where appropriate, notify you by email or through a notice on our website. Your continued use of our services after the effective date of an updated policy constitutes your acceptance of the changes.

xiv.Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or wish to make a complaint about our privacy practices, please contact us: