Privacy Policy

Last updated: October 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)

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 the texts you agreed to: about your life insurance or retirement inquiry, appointment confirmations and reminders, and related follow-ups, and, if you agreed, about your policy (such as payment reminders, reviews and claims), occasional greetings and referral invitations. 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 Isabel, our AI phone assistant, may be recorded and transcribed. We keep records of the texts, chats 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
• To train and improve our AI assistants (Maria and Isabel), using recordings, transcripts and chat records of our conversations

AI assistants (Maria and Isabel)

Maria, the chat assistant on our websites, and Isabel, who answers and makes calls and texts for our office, are AI assistants, not people: automated Super Intelligence (SI) assistants. They say they are automated assistants at the start of each conversation and whenever you ask, and they work on Kevin's behalf to answer your questions and set up your conversation with Kevin. You can ask for Kevin at any time.

Recordings and training. Recordings, transcripts and chat records of your conversations may be used to train and improve our assistants and to coach our team, so they answer more accurately and more kindly. We use them only inside our business, never to advertise to you, and we never sell them.

Who powers them. Our assistants run on trusted technology providers that process your conversation for us only to produce the assistant's replies, carry our calls and text messages, and transcribe recorded calls. They work for us as service providers and must protect your information.

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, the AI services behind our assistants named above, 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.

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.

Page recordings and maps. Hotjar may record how visitors move through and tap on our pages. On our quote pages, your answers and anything you type are hidden from those recordings. We also measure taps, scrolling and time on our quote pages with our own tool, kept on our own server. The tool itself never records your answers, anything you type, or your name, phone number or email, and it is never shared with advertising partners. If you send us a quote form, a summary of that visit (time on each question, how far you scrolled, and which kinds of buttons you tapped) is kept with your request so Kevin can serve you better.

Visits after you reach out. After you send us a quote form, or open a link we sent you, our own cookie holds a random code (never your name, phone number or email) so we can see which of our pages you visit later, when, and for how long. This helps Kevin follow up at the right time. It covers only our own websites, is never shared with advertising partners, and never records anything you type. Ask us and we will delete this history and stop recording it.

Security. When you arrive at our quote page from one of our ads, our own server sets a short-lived security cookie. It holds a random code and timing information (never your name, phone number or email) and lasts up to 24 hours. To prevent fake requests, we also keep limited, scrambled technical information about the visit, such as a scrambled version of your network address (never the address itself) and the general type of device. None of this is shared with advertising partners.

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. When you send a quote form, we tell Meta the ad campaign code that brought you (it names who the ad was written for, such as seniors or people of faith) and the kind of coverage you picked (family protection, final expenses or savings). 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 or budget, 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

• Turn off advertising pixels (Meta, X) and Google's advertising tags on this browser with the button below. If your browser sends a Global Privacy Control signal, we treat it as this same opt-out automatically. Analytics still count visits.
• 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 (see our do-not-call policy)
• Email us to request a copy of your information or ask us to delete it, subject to records we must keep by law

Opt out of advertising pixels

Our do-not-call policy

We keep an internal do-not-call list and a written do-not-call policy that we follow on every call and text. If you ask us to stop, in any words, by phone, by text (STOP), by email or in our chat, we add your number to our list right away, cancel every call and text we had scheduled, and keep your request for at least 5 years. Kevin and our assistants never argue or ask why. We call only between 9 AM and 8 PM Monday to Saturday and 3 to 6 PM on Sunday, Eastern time, and only people who agreed or asked us to call. We don't make sales calls to numbers on the National Do Not Call Registry unless you gave us written consent or asked us to call. For a copy of our full do-not-call policy, email hello@gavirialifeinsurance.com or call (848) 212-8787.

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: (848) 212-8787