Last Updated: [Month 2026]
1. Introduction
Pine Lake Life Solutions (“Pine Lake,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy describes how we collect, use, disclose, safeguard, and manage information obtained through:
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Online educational review forms
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Email, SMS, and phone communications
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Interactions relating to life insurance policy education and review
By accessing our website or submitting information to us, you acknowledge that you have read and understood this Privacy Policy.
2. Who We Are
Pine Lake Life Solutions LLC is a Delaware limited liability company with its principal place of business located at:
525 East County Line Rd, Suite 14
Lakewood, New Jersey 08701
United States
Pine Lake Life Solutions provides educational information regarding life insurance policy options and facilitates introductions to licensed professionals when appropriate.
We do not purchase life insurance policies and do not act as investors or funds.
We provide educational services nationwide. Licensed professionals involved in any transaction are responsible for maintaining appropriate licensing in the applicable jurisdiction.
3. Information We Collect
We may collect the following categories of information:
A. Personal Information
We do not request or collect bank account numbers, credit card numbers, or full Social Security numbers through our public website forms.
B. Life Insurance Information
If you proceed beyond an initial inquiry, we may collect:
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Policy type (term, whole, universal, variable, etc.)
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Carrier name
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Policy illustration
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Premium obligations
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Policy issue date
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Ownership structure
C. Health Information (When Authorized)
If you voluntarily proceed to a detailed review, licensed professionals may require:
Such information is collected only with written authorization and handled through secure processes.
Important: Pine Lake Life Solutions is not a healthcare provider or covered entity under HIPAA. Health information, when authorized, is handled in coordination with licensed professionals in accordance with applicable privacy regulations.
D. Technical & Usage Data
When you visit our website, we may collect:
This data helps improve website performance and user experience.
4. How We Collect Information
We collect information:
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Directly from you (forms, calls, SMS, email)
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Automatically through cookies and analytics tools
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From licensed professionals, carriers, or service providers when authorized
If you submit information about another individual, you represent that you have proper authorization to do so.
5. How We Use Information
We use collected information to:
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Provide educational review services
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Determine whether a policy may qualify for further evaluation
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Facilitate introductions to licensed professionals
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Communicate with you
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Improve website functionality
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Conduct analytics and research
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Detect fraud or misuse
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Comply with legal obligations
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Protect our legal rights
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Respond to regulatory inquiries
We process personal information based on consent, contractual necessity, legitimate business interests, and compliance with legal obligations, as applicable.
We do not use personal information for unrelated purposes without consent.
6. How We Share Information
We do not sell personal information for monetary value.
We may share information with:
A. Licensed Professionals
When you request further evaluation, we may share information with licensed brokers, providers, or regulated professionals involved in policy review.
B. Service Providers
Including:
All service providers are contractually obligated to safeguard information.
C. Legal & Regulatory Authorities
We may disclose information when required by:
D. Business Transfers
In the event of a merger, restructuring, or asset sale, personal information may be transferred in accordance with law.
7. Cookies & Online Tracking
We use:
These tools may collect:
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IP address
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Browser characteristics
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Device identifiers
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Usage patterns
You may disable cookies in your browser settings, though some features may be limited.
For more information:
We do not respond to “Do Not Track” browser signals.
8. Confidentiality & Data Security
We implement administrative, physical, and technical safeguards designed to protect personal information, including:
No system can guarantee absolute security. Transmission of information over the internet occurs at your own risk.
9. Data Retention
We retain personal information only as long as necessary to:
10. Your Rights & Choices
Depending on your state of residence, you may have additional rights under applicable state privacy laws, including but not limited to California, Colorado, Virginia, Connecticut, Utah, and other states that enact similar privacy legislation.
11. State Privacy Rights
Residents of certain states, including but not limited to California and other states that have enacted comprehensive consumer privacy laws, may have additional rights under applicable law, including the right to:
• Request categories of personal information collected
• Request categories of personal information disclosed
• Request deletion of personal information
Pine Lake Life Solutions does not sell personal information for monetary value.
12. Children’s Privacy
Our website and services are intended for individuals eighteen (18) years or older.
We do not knowingly collect information from minors. If we discover that a minor has submitted information, we will delete it promptly.
13. Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices of third-party sites.
14. SMS Privacy & Communications
If you consent to receive SMS communications, you may receive:
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Educational updates
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Appointment confirmations
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Policy review notifications
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Marketing communications (if consented)
Message frequency may vary.
Message and data rates may apply.
You may opt out at any time by replying STOP.
For assistance, reply HELP.
Consent to SMS is not required to receive services.
We do not sell SMS opt-in data.
15. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date.
Continued use of the website constitutes acceptance of the revised policy.
16. Contact Information
If you have questions regarding this Privacy Policy:
Pine Lake Life Solutions525 East County Line Rd, Suite 14
Lakewood, New Jersey 08701
United States
info@pinelakelegacy.com
