American Family Advantage is a DBA (doing business as) of NEU Holdings Inc. American Family Advantage, NEU Holdings Inc., and our subsidiaries and affiliates ("American Family Advantage," "we," "our," or "us") provide life insurance information, financial education, and related products and services. Our customers, employees, and business partners provide personal information to American Family Advantage every day. They rely on us to protect that information, as well as to respect their privacy. As part of our commitment to meeting these expectations and to transparency, this Privacy Policy describes our collection and handling of personal information.

This Privacy Policy describes how American Family Advantage processes personal information that we collect through our digital or online properties or services that link to this Privacy Policy, including as applicable, our websites, landing pages hosted on the Tractionify platform, mobile applications, and social media pages (collectively, the "Service") as well as our marketing activities, live events, and other activities described in this Privacy Policy.

American Family Advantage may provide additional or supplemental privacy policies to individuals for specific products or services that we offer at the time we collect personal information. If there is any conflict or inconsistency between this Privacy Policy and any supplemental Consumer Privacy Notice, the Consumer Privacy Notice shall control to the extent of any such conflict.

1. Personal Information We Collect

Information you provide to us

Personal information you may provide to us through the Service or otherwise includes:

Contact data, such as your first and last name, salutation, email address, billing and mailing addresses, professional title and company name, and phone number.

Profile data, such as the username and password that you may set to establish an online account on the Service, biographical details, photograph or picture, links to your profiles on social networks, interests, preferences, information about your participation in our contests, promotions, or surveys, and any other information that you add to your account profile.

Communications data and related recordings based on our exchanges with you, including when you contact us through the Service, call us, communicate with us via chat, chatbot (including AI-powered chatbot assistants), video, social media, or otherwise. By communicating or otherwise interacting with us, you acknowledge your communication(s) or interaction(s) may be overheard, monitored, and/or recorded without further notice or warning by us or third parties.

Transactional data, such as information relating to or needed to complete your orders on or through the Service, including order numbers and transaction history.

Marketing data, such as your preferences for receiving our marketing communications and details about your engagement with them.

Personal history data, such as familial (including household) and other relationship information, date and place of birth, degrees and level of education, occupation, title, employer, employment history, marital status, sex, and veteran or military status.

Health data, including your general health status, medical history, family medical history, diagnosis, treatment, prescription and other medical information, information regarding alcohol use, drug use and/or nicotine use, height, weight, health insurance information, and other health data.

Financial data, including credit report information, credit-based insurance scores, bank account and routing numbers, transaction information, financial account information, payment card numbers, household income data, tax documents, insurance policy number(s), existing or past life insurance coverage, source of wealth information, net worth, and other financial information.

Government-issued identification data, including Social Security number, tax-identification number, passport number, state or local identification number, and copies of relevant government-issued identifications.

Inferential data, including inferences drawn regarding, or a profile reflecting, your preferences, characteristics, predispositions, behavior, attitudes, creditworthiness, and insurability profile.

Third-party sources

We may combine personal information we receive from you with personal information that we obtain from other sources, such as affiliates, publicly-available sources, consumer reporting agencies, healthcare services, data providers, service partners (such as insurance agents, brokerages, carriers, and referral partners), business and marketing providers, customers, service providers, business transaction partners, and third-party services that you use to log into or otherwise link to your Service account.

Platform data collection

Our website and landing pages are hosted on the Tractionify platform. When you interact with our Service through Tractionify, certain data may be collected by the platform on our behalf, including form submissions, contact information, scheduling data, chat and SMS interactions, and behavioral tracking data such as page views and click activity. This data is processed in accordance with this Privacy Policy and is used to deliver, personalize, and improve our Service.

Automatic data collection

We, our service providers, our platform provider (Tractionify), and our business partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, including:

Device data, such as your operating system type and version, browser type, screen resolution, IP address, unique identifiers, language settings, mobile device carrier, and general location information.

Online activity data, such as pages or screens you viewed, how long you spent on a page, the website you visited before browsing to the Service, navigation paths, access times, and whether you have opened our emails or clicked links within them.

Location data, including your zip code and other information about your location.

Communication interaction data, such as your interactions with our email, text, SMS, or other communications sent through the Tractionify platform or other communication tools.

2. Tracking Technologies

Some of our automatic data collection is facilitated by cookies and other technologies. We and our platform provider (Tractionify) use cookies, pixels, and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

3. How We Use Your Personal Information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery and operations. We may use your personal information to provide the Service, including establishing and maintaining your user profile, facilitating your life insurance inquiry or application, connecting you with licensed insurance carriers, administering communications through the Tractionify platform, and responding to your requests, questions, and feedback.

Service personalization. We may use your personal information to understand your needs and interests, personalize your experience with the Service and our communications, and remember your selections and preferences.

Analytics and improvement. We may use your personal information to analyze and improve the Service and to develop new products and services. We may process your personal information through our own or third-party artificial intelligence ("AI") tools, including AI-powered chatbots and lead qualification systems, and may use your personal information to improve automated communication workflows.

Marketing and advertising. We, our service providers, insurance agents with whom we partner, and our third-party advertising partners may collect, receive, and use your personal information for marketing and advertising purposes, including to send you marketing communications via email, SMS, phone, and social media. You may opt out of our marketing communications as described in the Opt-out of marketing section below.

Compliance and protection. We may use your personal information to comply with applicable laws, lawful requests, and legal process; protect our, your, or others' rights, privacy, safety, or property; audit our internal processes; enforce the terms and conditions that govern the Service; and prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity.

Aggregated and anonymized data. We may create aggregated, de-identified, and/or anonymized data from your personal information. We may use this data and share it with third parties for our lawful business purposes.

We may choose to disclose nonpublic personal information about you, the consumer, to a third party for compensation.

4. Retention

We generally retain personal information to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes. Data collected through the Tractionify platform is retained in accordance with our data management practices and applicable law. When we no longer require the personal information we have collected about you, we may either delete it, anonymize it, or isolate it from further processing.

5. How We Share Your Personal Information

We may share your personal information with the following parties and as otherwise described in this Privacy Policy:

Affiliates. We may share personal information with NEU Holdings Inc. and other members of the American Family Advantage family of companies and DBAs.

Platform provider. Personal information collected through our website and landing pages may be processed by Tractionify, our platform provider, in order to deliver and operate the Service.

Service providers. Third parties that provide services on our behalf or help us operate the Service or our business, including hosting, analytics, communication, and customer relationship management providers.

Payment processors. Any payment card information you use to make a purchase on the Service is collected and processed directly by our payment processors.

Consumer reporting agencies. We may share personal information with consumer reporting agencies.

Healthcare services, such as healthcare providers and medical institutions as needed to analyze and/or verify insurance coverage or benefits.

Service and marketing partners, such as insurance agents, brokerages, carriers (including Mutual of Omaha, Americo, F&G, Ethos, and others), insurance producers, referral partners, and marketing partners.

Advertising partners. Third-party advertising companies for interest-based advertising purposes, including on platforms such as Facebook, Instagram, Google, and TikTok.

Third parties designated by you. We may share your personal information with third parties where you have instructed us or provided your consent to do so.

Analytics and machine learning providers. We may share certain personal information with third-party analytics and AI/machine learning platforms.

Professional advisors. Professional advisors, such as lawyers, auditors, bankers, and insurers.

Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate.

Business transferees. We may disclose personal information in the context of actual or prospective business transactions, including mergers, acquisitions, or asset sales involving NEU Holdings Inc. or its DBAs.

6. Your Choices

Access or update your information. If you have registered for an account with us, you may review and update certain account information by logging into the account or contacting us directly.

Opt-out of marketing communications. You may opt out of marketing-related emails by following the unsubscribe instructions at the bottom of the email. You may opt out of SMS messages by replying "STOP" to any text message. You may request removal from phone contact by notifying our customer service team. You may continue to receive service-related and other non-marketing messages.

Cookies and other technologies. Most browsers allow you to refuse or delete cookies.

Declining to provide information. We need to collect personal information to provide certain services. If you do not provide required information, we may not be able to provide those services.

Delete your content or close your account. You can choose to delete certain content through your account. If you wish to request to close your account or have your data removed from the Tractionify platform, please contact us.

7. Confidentiality Practices for Victims of Domestic Abuse

Where an individual has been a victim of domestic violence or abuse, American Family Advantage understands that their confidential information may require additional sensitivity. If you are an applicant, policyowner, insured, or beneficiary who has been a victim of domestic violence or other abuse, and would like us to take steps to further safeguard your information, please contact us at [email protected], and we will assist you.

8. Other Sites and Services

The Service may contain links to websites, mobile applications, and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. We do not control third-party websites and are not responsible for their actions. We encourage you to read the privacy policies of the other websites and online services you use.

9. Security

We employ reasonable technical, organizational, and physical safeguards designed to protect the personal information we collect. Our platform provider, Tractionify, also maintains security measures to protect data processed through their systems. However, security risk is inherent in all internet and information technologies. We cannot guarantee the security of your personal information.

10. International Data Transfer

We are headquartered in the United States and may use service providers that operate in other countries. Your personal information may be transferred to the United States or other locations where privacy laws may not be as protective as those in your state, province, or country.

11. Children

The Service is not intended for use by anyone under 18 years of age. If you are a parent or guardian of a child from whom you believe we have collected personal information in a manner prohibited by law, please contact us. We will comply with applicable legal requirements to delete the information.

12. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes, we will notify you by updating the date of this Privacy Policy and posting it on the Service. Any modifications will be effective upon our posting the modified version.

13. California Privacy

Because American Family Advantage is a "financial institution" as defined by the Gramm-Leach-Bliley Act ("GLBA"), American Family Advantage data is generally covered by the GLBA exemption to the California Consumer Privacy Act ("CCPA"). Independent of the application of the CCPA, where consistent with law, American Family Advantage may offer California residents the following rights:

Information. You may request information about how we have collected and used your personal information during the past 12 months.

Access. You may request a copy of the specific pieces of personal information we have collected about you.

Deletion. You may ask us to delete certain personal information we have collected from you.

Correction. You may ask us to correct inaccurate personal information we have collected about you.

Opt-out of sales. You may ask us not to "sell" or "share" personal information to or with third parties.

Nondiscrimination. You may exercise the rights described above free from discrimination as prohibited by the CCPA.

Exercising your rights. You may submit requests by emailing us at [email protected]. We will need to verify your identity and may confirm your California residency.

14. Governing Law

This Privacy Policy and any disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You irrevocably submit to the exclusive jurisdiction of the courts located in the State of Florida for the resolution of any such disputes.

15. How to Contact Us

Email: [email protected]