Privacy Policy

Effective date: 2026-05-06

This Privacy Policy explains how LAD Financial, LLC (“LAD,” “we,” “us”) collects, uses, stores, and shares information when you visit our marketing site (ladfinancial.com), use our broker platform (app.ladfinancial.com), or submit one of our forms.

We’re a brokerage general agency. Two audiences interact with us: licensed insurance agents who want to contract through LAD, and retail consumers who want to be connected with a licensed agent for an annuity or life insurance quote. This policy covers both.

What we collect

Information you provide to us

• Broker apply form (/apply): name, email, phone, resident state, NPN (National Producer Number), lines of business you write, approximate annual production, optional notes.
• Consumer quote form (/quote): name, email, phone, resident state, ZIP, age, product interest, premium estimate, timeframe, optional notes, and your TCPA consent.
• Account registration (broker platform): email, password, broker profile fields you choose to enter (licensing, E&O, contact info).
• Direct outreach: information you send us by email, phone, or form messages.

Information we collect automatically

• Attribution data: when you arrive at our site we capture URL query parameters (UTM tags, gclid, fbclid), the referring page (e.g., a Google search result page), and the first page you land on. This is stored in your browser’s local storage and attached to any form you submit.
• Server logs: IP address, user agent, timestamps, request paths, error events.
• Analytics: aggregate page views, form completions, and conversion events. We do not use behavioral re-targeting.

Information from third parties

• NIPR / PDB lookups (for brokers only): we may use the National Insurance Producer Registry to verify your license and resident state once you contract with us through SureLC.
• Carrier appointments: once you’re contracted, the carriers you’re appointed with will share appointment status with us.

How we use information

For broker leads

• Reach out within one business day to discuss contracting.
• Verify your license through NIPR.
• Begin contracting through SureLC if both sides agree to move forward.
• Send periodic updates about LAD products, rates, and platform changes (you can unsubscribe at any time).

For consumer leads

• Route your information to a LAD-licensed agent for follow-up.
• The licensed agent contacts you to discuss your needs and provide a quote.
• We retain your information so that, if you ask later, we can match you back to the agent who handled your inquiry.

For all visitors

• Operate, secure, and improve the website and platform.
• Comply with legal, regulatory, and tax obligations.
• Detect and prevent fraud, abuse, and spam (including the rate-limit and honeypot mechanisms on our forms).

How we share information

• LAD-licensed agents: consumer leads are shared with the LAD-affiliated agent assigned to your inquiry.
• Service providers: hosting (Vercel), database (Supabase), email delivery (Resend), authentication, and similar infrastructure providers, under contract.
• Carriers: only when you authorize an appointment with a specific carrier (broker users) or apply for a specific policy (consumer users).
• Government and law enforcement: when required by law, subpoena, or to protect rights and safety.
• In a business transaction: in the event of a sale, merger, or restructuring, your information may transfer to the successor entity, subject to this policy.

We do not sell your personal information. We do not share with advertisers for retargeting.

Cookies and tracking

We use a small number of cookies and localStorage entries:

• Session and authentication cookies for the broker platform.
• Attribution localStorage entry (lad_attribution_v1) to remember the marketing source of your visit so we can route leads correctly. Expires after 30 days.

We do not use third-party advertising cookies.

Data security

We use TLS in transit, encrypted-at-rest databases, role-based access controls, and audit logging. No system is perfect; you use the site at your own risk.

Your choices

• Access / correction: ask us at the email below to see or correct what we have about you.
• Deletion: ask us to delete your data, subject to legal retention requirements (insurance regulators may require certain records retention).
• Marketing opt-out: every email we send has an unsubscribe link. You can also reply STOP to any text message.
• Do-not-call: ask us in writing to add your number to our internal do-not-call list.

Children

The site is intended for licensed agents (18+) and adult consumers (18+). We do not knowingly collect information from anyone under 18.

State-specific rights

Residents of California, Colorado, Connecticut, Virginia, Utah, Texas, and other states with consumer-privacy laws may have additional rights to access, correct, delete, or port their information, and to opt out of “sale” or “sharing” of personal data. We do not engage in either; if you’d like to exercise other rights, contact us.

Changes

We’ll update this page when our practices change. The “Effective date” at the top reflects the current version. Material changes get an email notice to anyone we have a contact address for.

Contact

LAD Financial, LLC contact@ladfinancial.com

See our TCPA disclosure for specifics on phone and SMS consent.