Plain-English summary: We collect only the information you voluntarily submit through our forms. We use it to respond to you, provide insurance quotes, and send appointment confirmations. We also use Google Tag (Google Ads) to measure when form submissions and appointment bookings occur — this helps us understand which marketing efforts are working. We do not sell your personal information. You can ask us to delete your data at any time.
1. Who We Are
Angela Pacheco Insurance (“we,” “us,” or “our”) is an independent life insurance agency operated by Angela Pacheco. We are licensed to sell insurance products in multiple states and act as an independent broker — meaning we represent you, the client, not any single insurance carrier.
This Privacy Policy describes how we collect, use, store, and protect personal information gathered through our website at angelapachecoinsurance.com (the “Site”) and the services we provide.
Contact information:
Angela Pacheco Insurance
Phone: (720) 879-1296
Email: [email protected]
2. Information We Collect
We collect information you voluntarily provide through the following features of our Site:
Quote / Lead Request Form
When you request a quote we collect: first name, last name, email address, phone number, optional coverage amount, and insurance type (Life Insurance, Medicare, Final Expense, Mortgage Protection, Indexed Universal Life, Health Insurance, Annuities, Financial Planning, or Retirement Insurance).
Contact Form
When you send a message we collect: your name, email address, optional phone number, and the content of your message.
Appointment Booking
Our appointment scheduling is powered by Google Calendar Appointment Scheduling (a Google LLC service). When you click “Book a Free Consultation” and complete a booking, Google collects the information you enter — including your name, email address, and any notes you provide — directly through their platform. This information is subject to Google’s Privacy Policy. We receive a copy of your booking details (name, email, and selected time) via Google Calendar notifications.
Email Subscription / Free Guide Request
When you subscribe to our email list or request a free resource we collect your email address and record the source of your subscription (e.g., “exit popup” or “website”).
Coverage Calculator
When you use the coverage calculator we collect the inputs you enter — annual income, total debt, number of dependents, and years of income to replace — along with the recommended coverage result. This data is collected for aggregate analytics. If you optionally provide your email address to receive your results, we also collect that email address.
No account creation or login is required. Calculator usage is tracked anonymously unless you choose to provide your email.
Automatically Collected Information
Like most websites, our server may automatically log standard technical data including your IP address, browser type, operating system, referring URL, pages visited, and timestamps. This information is used for security monitoring and aggregate analytics only and is not linked to your identity.
| Data Collected | Source | Required? |
|---|---|---|
| First & last name | Quote form, Appointment form, Contact form | Yes (where applicable) |
| Email address | All forms | Yes |
| Phone number | Quote form, Appointment form; optional on Contact form | Varies |
| Coverage amount & type | Quote form | Yes |
| Appointment date, time & notes | Google Calendar booking widget | Yes (collected by Google) |
| Message text | Contact form | Yes |
| Calculator inputs (income, debt, dependents, years) | Calculator tool | Yes (to compute result) |
| IP address, browser/device info | Server logs | Automatic |
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- To respond to your inquiry — We use your name, email, and phone to follow up on quote requests, contact form messages, and appointment bookings, typically within 24 hours.
- To provide insurance services — Your coverage preferences and contact details allow us to shop rates with our carrier partners and present you with personalized options.
- To send transactional emails — We send automated confirmation emails when you submit a form or book an appointment. These are not marketing emails and cannot be opted out of while the transaction is pending.
- To send marketing communications — If you subscribe to our email list, we will send you educational content about life insurance, updates, and promotional offers. You may unsubscribe at any time.
- For analytics and improvement — Aggregated, anonymized data (e.g., calculator usage statistics) helps us understand how visitors use our Site and improve its content.
- For legal compliance — We may retain records as required by applicable insurance regulations, state licensing laws, or to respond to legal processes.
- To prevent fraud and ensure security — Server log data and rate-limiting information is used to detect and block abusive traffic.
We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects.
4. Sharing & Disclosure
We do not sell, rent, or trade your personal information.
We may share your information only in the following limited circumstances:
Insurance Carriers
To obtain quotes on your behalf, we may share relevant information (such as your age, health status, coverage needs, and contact details) with licensed insurance carriers and their representatives. This sharing is necessary to fulfill the service you requested and is governed by each carrier’s privacy practices.
Service Providers
We use a small number of trusted third-party services to operate our Site. These providers act as data processors and are contractually prohibited from using your data for any purpose other than providing services to us:
- Resend (resend.com) — transactional and marketing email delivery. Your email address is transmitted to Resend when we send you a confirmation or newsletter.
- Railway (railway.app) — cloud hosting and infrastructure for our website and database.
- PostgreSQL database — hosted on Railway; stores all form submissions securely.
- Google Tag / Google Ads (Google LLC) — conversion tracking script (
AW-922099691) loaded on every page. Fires a conversion event when a form is successfully submitted or the appointment button is clicked. Google processes this data under its own privacy policy. See Google’s Privacy Policy and Ad Settings. - Google Calendar Appointment Scheduling (Google LLC) — powers the appointment booking widget on our /appointment page. When you book a consultation, your scheduling information is processed directly by Google under their own privacy policy. Google may store this data on their servers. See Google’s Privacy Policy for details.
Legal Requirements
We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe in good faith that disclosure is necessary to protect our legal rights, the safety of any person, or to investigate fraud.
Business Transfers
In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site if such a transfer occurs.
5. Email Communications (CAN-SPAM Act)
We comply with the federal CAN-SPAM Act. Our commercial email practices are as follows:
- We will not use false or misleading subject lines or sender names.
- Every marketing email we send will identify itself as an advertisement where required.
- Our physical mailing address will be included in every commercial email.
- Every marketing email will include a clear, working “unsubscribe” mechanism.
- Opt-out requests will be honored within 10 business days.
Transactional emails (appointment confirmations, quote acknowledgments) are not subject to opt-out under CAN-SPAM because they are triggered by your own actions and contain information necessary to fulfill your request. You may still contact us to request that we not send you any further emails.
To unsubscribe from marketing emails, click the “unsubscribe” link in any email we send you, or email us at [email protected] with “Unsubscribe” in the subject line.
6. Phone & Text Communications (TCPA)
By providing your phone number and submitting a form on our Site, you consent to be contacted by Angela Pacheco Insurance at the number provided. We may contact you by:
- Direct phone call (manual dialing)
- Text/SMS message, if you have expressly opted in
We comply with the federal Telephone Consumer Protection Act (TCPA). We do not use automated telephone dialing systems (auto-dialers) or pre-recorded voice messages without your prior express written consent.
Message and data rates may apply for SMS communications. You may opt out of text messages at any time by replying STOP to any message we send. To opt out of phone calls, contact us at [email protected] or call (720) 879-1296.
Do Not Call Registry: We respect the National Do Not Call Registry. If your number is registered, we will not call you for marketing purposes unless you have provided prior express written consent.
7. Financial Privacy (Gramm-Leach-Bliley Act)
As an insurance agency, we are subject to the Gramm-Leach-Bliley Act (GLBA), which governs how financial institutions handle consumers’ nonpublic personal information (NPI).
The types of nonpublic personal information we may collect include:
- Information you provide on applications or other forms (income, coverage needs, health information submitted to carriers)
- Information about your transactions with us or our carrier partners (policies purchased, premiums, claims history)
We limit the disclosure of this information to what is necessary to provide you with insurance products and services, and we maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your NPI.
You have the right to opt out of certain disclosures of your NPI to non-affiliated third parties. To exercise this right, contact us using the information in Section 17.
8. Cookies & Tracking Technologies
Our Site uses minimal tracking technologies:
Strictly Necessary
Our server may set session-related cookies required for the Site to function (e.g., CSRF tokens for form security). These cannot be disabled.
Google Tag / Google Ads Conversion Tracking
Our Site uses Google Tag (gtag.js, Tag ID: AW-922099691) provided by Google LLC. This script loads on every page and fires a conversion event when you successfully submit a quote request, send a contact message, or click the appointment booking button. Google uses this data to report conversion activity back to us so we can measure the effectiveness of our advertising campaigns.
Google Tag may set cookies (such as _gcl_au) and collect information including your IP address, browser type, pages visited, and whether a conversion action occurred. This data is sent to and processed by Google. We do not receive personally identifiable information from Google through this tag — we only receive aggregate conversion counts. Google may use this data in accordance with its own policies.
For more information or to opt out of Google’s advertising features, visit adssettings.google.com or install the Google Analytics Opt-out Browser Add-on.
Google Calendar Widget
Our appointment booking page embeds a Google Calendar scheduling button. When this widget loads, Google may set cookies or use similar tracking technologies in accordance with Google’s Privacy Policy. These cookies are set by Google, not by us, and we have no control over them. If you prefer not to interact with Google’s tracking, you may contact us to book an appointment by phone or email instead.
Advertising Cookies
Google Tag may set cookies associated with Google Ads in order to measure conversions as described above. We do not use any other advertising networks or allow other ad networks to track you through our Site. You may opt out of Google’s ad personalization at adssettings.google.com.
Most browsers allow you to refuse or delete cookies through their settings. Disabling cookies may affect the functionality of certain features on our Site (such as form submissions).
9. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
| Data Type | Retention Period |
|---|---|
| Quote / lead submissions | 5 years from submission, or as required by state insurance regulations |
| Contact form messages | 3 years from submission |
| Appointment records | 3 years from the appointment date |
| Email subscriber list | Until you unsubscribe; inactive subscribers purged after 3 years |
| Calculator sessions (anonymous) | 2 years for aggregate analytics |
| Server logs (IP addresses) | 90 days, then automatically purged |
You may request deletion of your personal information at any time (see Section 11).
10. Security
We implement industry-standard security measures to protect your personal information, including:
- TLS/HTTPS encryption for all data transmitted between your browser and our server
- Encrypted database connections with SSL required in production
- Rate limiting on all form submission endpoints to prevent abuse
- Input validation and sanitization on all submitted data
- Access controls restricting database access to authorized systems only
However, no method of transmission over the Internet or electronic storage is 100% secure. While we use commercially reasonable means to protect your information, we cannot guarantee absolute security. If you believe your information may have been compromised, please contact us immediately at [email protected].
11. Your Rights
Regardless of your location, you have the following rights with respect to your personal information:
- Right to access — You may request a copy of the personal information we hold about you.
- Right to correction — You may request that we correct inaccurate or incomplete information.
- Right to deletion — You may request that we delete your personal information. We will honor such requests unless retention is required by law or necessary to complete a transaction you requested.
- Right to opt out of marketing — You may opt out of marketing emails and SMS messages at any time (see Sections 5 and 6).
- Right to data portability — You may request a copy of your data in a machine-readable format.
- Right to non-discrimination — We will not discriminate against you for exercising any of the rights described in this policy.
To exercise any of these rights, please contact us at [email protected] or by mail at the address in Section 1. We will respond within 45 days of receiving a verifiable request.
12. Colorado Residents — Colorado Privacy Act (CPA)
If you are a Colorado resident, you have additional rights under the Colorado Privacy Act (C.R.S. § 6-1-1301 et seq.), effective July 1, 2023:
- Right to opt out of the sale of personal data — We do not sell personal data.
- Right to opt out of targeted advertising — We do not conduct targeted advertising using your personal data.
- Right to opt out of profiling — We do not use your data for profiling that produces legal or similarly significant effects.
- Right to access — You may request confirmation of whether we process your personal data and a copy of such data.
- Right to correction — You may request correction of inaccurate personal data.
- Right to deletion — You may request deletion of personal data you have provided to us.
- Right to data portability — You may request your data in a portable, readily usable format.
- Right to appeal — If we decline to take action on your request, you may appeal our decision by contacting us and we will respond within 45 days.
To submit a Colorado CPA rights request, email [email protected] with “Colorado Privacy Request” in the subject line. We will verify your identity before processing the request.
13. California Residents — CCPA / CPRA
If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):
- Right to know — You may request information about the categories of personal information we collect, the purposes for which it is used, and the categories of third parties with whom it is shared.
- Right to delete — You may request deletion of your personal information subject to certain exceptions.
- Right to correct — You may request correction of inaccurate personal information.
- Right to opt out of sale or sharing — We do not sell or share personal information for cross-context behavioral advertising.
- Right to limit use of sensitive personal information — We use sensitive personal information only as necessary to provide the services you request.
- Right to non-discrimination — We will not discriminate against you for exercising your CCPA rights.
California residents may submit a rights request by emailing [email protected] with “California Privacy Request” in the subject line, or by calling (720) 879-1296.
California Insurance Code: The collection and use of your personal information in connection with insurance transactions is also governed by the California Insurance Information and Privacy Protection Act (Cal. Ins. Code § 791 et seq.). You have the right to access and correct recorded personal information and to know the reasons for any adverse underwriting decision.
14. Children’s Privacy (COPPA)
Our Site is not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If you are under 13 years of age, please do not use this Site or submit any personal information.
If we become aware that we have inadvertently collected personal information from a child under 13 without verifiable parental consent, we will take steps to delete that information as quickly as possible. If you believe we may have collected information from or about a child under 13, please contact us immediately at [email protected].
This Site is intended for adults who are considering purchasing life insurance or seeking financial planning guidance. Insurance products discussed on this Site are available only to adults.
15. Third-Party Services & Links
Our Site may contain links to external websites or resources. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policy of any site you visit.
The following third-party services process data on our behalf:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Resend | Email delivery | resend.com/legal/privacy-policy |
| Railway | Hosting & database infrastructure | railway.app/legal/privacy |
| Google Fonts | Web font delivery | policies.google.com/privacy |
| Google Tag / Google Ads | Conversion tracking — measures form submissions and appointment button clicks | policies.google.com/privacy |
| Google Calendar Appointment Scheduling | Appointment booking widget — collects scheduling data directly | policies.google.com/privacy |
Each of these providers is bound by their own privacy policies and, where applicable, data processing agreements with us. We do not authorize these providers to use your data for any purpose other than providing their services to us.
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the features of our Site. When we make material changes, we will:
- Update the “Effective Date” and “Last updated” date at the top of this page
- Post the revised policy on this page
- For significant changes, send an email notification to subscribers if we have your email address
Your continued use of our Site after the effective date of a revised policy constitutes your acceptance of the changes. We encourage you to review this policy periodically.
17. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Angela Pacheco Insurance
Email: [email protected]
Phone: (720) 879-1296
Hours: Monday–Friday, 9 AM–6 PM MDT
We aim to respond to all privacy-related inquiries within 5 business days, and to resolve requests within 45 days as required by applicable law.
This privacy policy was prepared for informational purposes. It does not constitute legal advice. If you have specific legal concerns about your privacy rights, consult a licensed attorney in your jurisdiction.