Privacy Policy
Last Updated: October 1, 2025
Introduction
Disability.insure (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, interact with our Facebook Messenger chatbot, or communicate with us.
Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agreed to be bound by all the terms outlined in this policy. If you do not agree with our policies and practices, please do not use our services.
Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Complete forms or create accounts on our website
- Request insurance quotes or information
- Submit an application for insurance
- Contact our customer service
- Subscribe to our newsletter
- Participate in surveys or promotions
- Interact with our Facebook Messenger chatbot
This information may include:
- Contact information (name, email address, phone number, mailing address)
- Professional information (occupation, employer, income)
- Demographic information (age, gender, marital status)
- Health information (when applying for disability insurance)
- Financial information (income details, existing coverage)
Automatically Collected Information
When you visit our website or use our Messenger chatbot, we may automatically collect certain information about your device, browsing actions, and patterns. This information may include:
- IP address
- Browser type and version
- Operating system
- Referring website
- Pages visited and time spent
- Click patterns and interactions
- Device type and settings
- Facebook User ID (when using Messenger)
- Message timestamps and conversation metadata
We collect this data using cookies, web beacons, and similar tracking technologies. For more information about our use of cookies, please see the “Cookies and Similar Technologies” section below.
How We Use Your Information
We may use the information we collect for various purposes, including to:
- Provide, maintain, and improve our services
- Process insurance applications and quotes
- Respond to your inquiries and fulfill your requests
- Send administrative information, such as policy updates
- Send marketing communications (with your consent)
- Personalize your experience on our website and chatbot
- Conduct research and analysis to improve our services
- Protect against, identify, and prevent fraud and other illegal activities
- Comply with legal obligations
How We Share Your Information
We may share your personal information with:
Insurance Carriers: To obtain quotes and process applications for coverage
Service Providers: Third parties that perform services on our behalf, such as website hosting, data analysis, payment processing, customer service, and AI-powered chatbot functionality (including OpenAI)
Business Partners: With your consent, we may share your information with business partners to offer certain products or services
Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities
Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset
We do not sell your personal information to third parties for their marketing purposes without your explicit consent.
Cookies and Similar Technologies
We and our service providers use cookies, web beacons, and similar technologies to track information about your use of our website. This helps us understand how you use our services and improves your browsing experience.
Types of cookies we use:
- Essential cookies: Required for the operation of our website
- Analytical/performance cookies: Help us count visits and traffic sources
- Functionality cookies: Enable enhanced functionality and personalization
- Targeting cookies: Record your visits to our website and the pages you’ve visited
You can set your browser to refuse all or some browser cookies or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our website may become inaccessible or not function properly.
Facebook Messenger Chatbot
Information Collection and Use
When you interact with our Facebook Messenger chatbot assistant (the “Bot”), we collect and process:
- Facebook User ID: A unique identifier assigned by Facebook to your account
- Message Content: The text messages you send to our Bot
- Conversation History: Your message exchanges with the Bot during your session
- Timestamp: Date and time of your interactions
How We Use Messenger Data
We use information collected through the Messenger Bot to:
- Provide Customer Service: Respond to your inquiries about our insurance and financial services
- Improve Our Service: Analyze conversation patterns to enhance Bot responses
- Connect You with Advisors: Facilitate contact between you and our licensed advisors when requested
- Maintain Conversation Context: Remember your conversation history during your session for more natural interactions
OpenAI Integration
Our Messenger Bot uses OpenAI’s GPT-4o-mini artificial intelligence model to process and respond to your messages. When you send a message:
- Your message content is transmitted to OpenAI’s servers for processing
- OpenAI processes your message according to their privacy policy
- OpenAI may use anonymized data to improve their services
- We recommend reviewing OpenAI’s Privacy Policy at: https://openai.com/privacy
Facebook Platform Integration
Our Bot operates on Facebook’s Messenger platform. Your interactions are subject to:
- Facebook’s Data Policy: https://www.facebook.com/privacy/policy
- Facebook’s Messenger Terms: https://www.facebook.com/legal/terms/plain_text_terms
Messenger Data Storage and Retention
- Conversation Memory: We temporarily store your conversation history during your active session to provide context-aware responses
- Session Duration: Conversation data is retained only for the duration of your active conversation session
- Log Data: We may retain minimal log data (timestamps, user IDs) for security and service improvement purposes for up to 90 days
- No Long-Term Storage: We do not permanently store your message content after your session ends
Opting Out of Messenger Bot
You can stop using the Messenger Bot at any time by:
- Simply stopping your interaction with the Bot
- Blocking or unfollowing our Facebook Page
- Requesting deletion of your conversation data by contacting us
Text Messaging and Communications
By providing your phone number and consenting to receive text messages from us, you acknowledge and agree to the following:
Text Message Communications
We may send you text messages for various purposes, including:
- Appointment reminders and scheduling
- Application and policy status updates
- Claim processing information
- Service notifications and alerts
- Marketing messages (with your specific consent)
Frequency of Messages
The frequency of text messages will vary based on your interactions with us and your specific preferences. Standard message and data rates may apply based on your cellular service plan.
Opting Out of Text Messages
You may opt out of receiving text messages at any time by:
- Replying “STOP” to any text message you receive from us
- Contacting our customer service at the phone number or email provided in the “Contact Us” section
- Updating your communication preferences in your account settings (if applicable)
After opting out, you will receive one final confirmation message and then no further text messages unless you opt back in.
Zoom Communications Partnership Disclosure
We may use Zoom Communications as a third-party service provider to deliver some of our text messages. By consenting to receive text messages from us, you also consent to the use of Zoom Communications for this purpose. Your information will be processed in accordance with Zoom Communications’ privacy policy, which can be found on their website.
Please note that message and data rates may apply for any messages sent to you or that you send to us. If you have any questions about your text plan or data plan, please contact your wireless provider.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information from accidental loss, unauthorized access, use, alteration, or disclosure. However, please note that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
We regularly review and update our security practices to enhance protection. We limit access to your personal information to those employees, agents, contractors, and other third parties who have a business need to know.
Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
- Access and obtain a copy of your personal information
- Correct inaccurate personal information
- Request deletion of your personal information (including Messenger conversation data)
- Object to or restrict the processing of your personal information
- Data portability (receiving your data in a structured, commonly used format)
- Withdraw consent at any time (where processing is based on consent)
To exercise any of these rights, please contact us using the information provided in the “Contact Us” section below. We will respond to your request within the timeframe required by applicable law.
SMS & Communication Privacy Notice
By providing your phone number and submitting this form, you consent to receive text messages from disability.insure for the purposes of scheduling appointments, providing service updates, and sharing relevant insurance information. Message frequency may vary. Message and data rates may apply.
Zoom Communications Partnership
We partner with Zoom Communications to deliver some of our text messaging services. Your phone number and related information may be processed by Zoom Communications in accordance with their privacy policy and our service agreement.
10DLC Compliance
Our text messaging campaigns are registered and compliant with 10DLC (10-Digit Long Code) requirements to ensure reliable message delivery and protect against spam.
Opt-Out Instructions
You can opt out of receiving text messages at any time by replying “STOP” to any message. For help, reply “HELP”. You may also contact us directly at (800) 757-5005 or info@disability.insure.
Opt-Out & Help Handling
- STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT → We stop messaging that campaign and return a one-time confirmation: “You’re opted out.”
- HELP → We respond with support contact and links.
- Users can also opt out via email/phone listed below
Customer Support Contact
info@disability.insure | 732-427-8118
Privacy Protection
We never sell your personal information to third parties. Your phone number and personal data are used solely for providing our insurance services and related communications. For complete details on how we handle your information, please review this Privacy Policy.
California Residents
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) regarding your personal information. For more information about these rights and how to exercise them, please review our California Privacy Notice, which is incorporated into this Privacy Policy.
Children’s Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information as soon as possible.
If you believe we might have any information from or about a child under 18, please contact us using the information provided in the “Contact Us” section below.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page with a revised “Last Updated” date.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the revised policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:
Kandelaki Solutions, LLC
Email: info@disability.insure
Phone: 800-757-5005 or 732-427-8118
We will respond to your inquiry as soon as possible and within the timeframe required by applicable law.