Privacy Policy

Last updated: September 29, 2026

This website and text messaging program are operated by Kevin Gaviria, a sole proprietor doing business as Gaviria Life Insurance Solutions ("we," "us"), a Licensed Life Insurance Producer in New Jersey and Georgia. This policy explains what information we collect through gavirialifeinsurance.com, start.gavirialifeinsurance.com and our related pages, calls and messages, and how we use it.

Text messaging (SMS)

Text messaging (SMS). If you check the text-message consent box on our website, we collect your mobile number and a record of your consent and use them only to send texts about your life insurance inquiry, appointment confirmations and reminders, and related follow-ups. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information we collect

• What you tell us: your name, phone number, email, state, and the answers you give on our quote forms, in our chat, or on a call (for example, coverage goals, age range, budget, and tobacco use).
• Consent records: if you check our consent box, we store the wording you agreed to, the date and time, your IP address, and your browser type, so we can show when and how you gave consent.
• Calls and messages: our calls, including calls with our AI voice assistant, may be recorded and transcribed. We keep records of texts and emails we exchange with you.
• Website usage: pages visited, device and browser information, and similar data collected through cookies and analytics tools (see below).

How we use it

• To respond to your request, prepare quotes, and schedule and hold calls with Kevin
• To send appointment confirmations, reminders, and educational emails you can unsubscribe from at any time
• To help you apply for coverage with an insurance carrier, if you choose to
• To keep records required for compliance and to improve our service

AI assistants

Some of our chat and phone conversations are handled by AI assistants working on Kevin's behalf. They always identify themselves as AI assistants when asked. They use your information only to answer your questions and set up your conversation with Kevin.

Who we share information with

We do not sell your personal information. We share it only:

• Service providers who help us run our business (website hosting, phone and text delivery, email, scheduling, and our customer records system), under obligations to protect it
• the insurance company you choose to apply with, only to process your application (never for marketing).
• When required by law or to protect our rights

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Cookies, analytics and advertising

Cookies. We use tools such as Google Analytics, Google Ads, Google Tag Manager, Hotjar, the Meta Pixel, and the X (Twitter) pixel. These tools may set cookies. You can limit cookies in your browser settings.

All of the above excludes text messaging originator opt-in data and consent, which is never shared with any third party.

Analytics. We use Google Analytics, Google Tag Manager, and Hotjar to understand how our site is used. They collect usage data such as pages visited and device and browser information.

All of the above excludes text messaging originator opt-in data and consent, which is never shared with any third party.

Advertising. We use Google Ads, the Meta Pixel, and the X (Twitter) pixel to measure our advertising. We send hashed email and name (never phone numbers) to Meta to measure our ads. We never share mobile phone numbers or text messaging opt-in data with advertising platforms or any other third party. We never send your phone number, or your form answers about health, age, budget or coverage, to advertising partners. You can manage ad preferences in your Meta and Google account settings.

All of the above excludes text messaging originator opt-in data and consent, which is never shared with any third party.

Your choices

• Reply STOP to any text to stop texts
• Use the unsubscribe link in any email to stop marketing emails
• Tell us on a call, or email us, to stop calls
• Email us to request a copy of your information or ask us to delete it, subject to records we must keep by law

How long we keep information

We keep information as long as needed to serve you and to meet legal and insurance record-keeping requirements, then delete or anonymize it.

Security

We use reasonable safeguards to protect your information. No method of transmission or storage is completely secure.

Children

Our site is intended for adults. We do not knowingly collect personal information from anyone under 18.

Changes

We may update this policy. The date at the top shows the latest version.

Contact

Kevin Gaviria, Gaviria Life Insurance Solutions · Rahway, NJ
Email: hello@gavirialifeinsurance.com · Phone: (908) 560-6700