Privacy Policy

1. Who We Are

Hyeock is an independent advertising and lead generation website that helps Canadian residents request information about life insurance and related coverage options.

Hyeock is not a life insurance company, insurer, broker, underwriter, financial advisor, or insurance advisor. We do not issue insurance policies, underwrite coverage, approve applications, provide binding quotes, or make coverage decisions.

2. Information We Collect

We may collect information that you voluntarily provide through forms, quote request pages, contact pages, opt-out pages, or other interactions with this website.

• Contact information, such as your name, email address, phone number, and province or location;
• Quote request information, such as age range, coverage interest, preferred contact time, and related details;
• Insurance-related screening information that you choose to provide, such as smoking status, health or lifestyle details, or coverage needs;
• Message details submitted through contact forms or support requests;
• Opt-out request details, such as email address, phone number, and communication preferences;
• Technical information, such as IP address, browser type, device type, page URL, referrer, cookies, click identifiers, and UTM parameters.

3. Sensitive Information

Some insurance-related questions may involve health, lifestyle, or other sensitive information. We only collect this information when you choose to submit it through a form or quote request flow.

Please do not submit information that is not requested or not necessary for your inquiry.

4. How We Use Your Information

We may use collected information for the following purposes:

• To receive, validate, process, and respond to your quote request or contact request;
• To share your request with a licensed insurance advisor, insurance agency, call center, CRM provider, service provider, or insurance partner;
• To contact you by phone, email, SMS/text message, or other communication method about your request;
• To manage opt-out, suppression, and do-not-contact requests;
• To improve website performance, user experience, form functionality, and advertising attribution;
• To detect, prevent, or investigate fraud, abuse, technical issues, or unauthorized activity;
• To comply with legal, regulatory, contractual, or recordkeeping obligations.

5. Consent

By submitting information through this website, you acknowledge and agree that Hyeock may collect, use, and share your information for the purposes described in this Privacy Policy.

You also agree that Hyeock and/or its partners may contact you regarding your request using the contact information you provide. You may withdraw consent or request not to be contacted where applicable by using our opt-out page or contacting us directly.

6. Information Sharing and Disclosure

We may share your information with:

• Licensed insurance advisors or insurance agencies who may respond to your request;
• Insurance partners or providers involved in discussing available coverage options;
• Call centers, CRM platforms, lead management systems, and technology providers;
• Advertising, analytics, tracking, and attribution service providers;
• Professional advisors, contractors, and service providers who support our business operations;
• Legal, regulatory, or government authorities when required or permitted by law.

We do not sell insurance products directly and do not make underwriting or approval decisions. We may receive compensation for submitted or referred leads.

7. Third-Party Partners

When your information is shared with a third-party advisor, agency, call center, insurer, or partner, that third party may process your information according to its own privacy policy, terms, licensing obligations, and business practices.

We are not responsible for the privacy practices, underwriting decisions, product terms, or services of third-party websites, advisors, agencies, insurers, or partners.

8. Cookies, Tracking, and Advertising Data

We may use cookies, pixels, scripts, local storage, and similar technologies to operate the website, remember preferences, measure performance, detect fraud, and understand how users interact with our pages.

We may also collect advertising and attribution data, including UTM parameters, click IDs, campaign IDs, source IDs, publisher IDs, referrer URLs, landing page URLs, and similar tracking information.

You can control cookies through your browser settings. Blocking cookies may affect website functionality or attribution tracking.

9. Marketing Communications and Opt-Out

If you submit a form or request information, you may be contacted about your inquiry by phone, email, SMS/text message, or other communication methods.

You may opt out of marketing communications by using our opt-out page, following unsubscribe instructions where available, or contacting us directly. Please allow a reasonable processing period for your request to be applied across relevant systems and partners.

10. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including responding to requests, managing consent and opt-out records, preventing fraud, resolving disputes, enforcing terms, and satisfying legal or business recordkeeping requirements.

Retention periods may vary depending on the type of information, the purpose for which it was collected, and applicable legal or operational requirements.

11. Data Security

We use reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

However, no website, online form, email transmission, CRM system, or internet-based service can be guaranteed to be completely secure.

12. International or Cross-Border Processing

Some service providers, technology platforms, CRM systems, analytics providers, or advertising partners may process or store information in Canada, the United States, or other jurisdictions.

Information processed in another jurisdiction may be subject to the laws of that jurisdiction, including lawful access by courts, law enforcement, regulators, or government authorities.

13. Your Privacy Rights

Subject to applicable law, you may have the right to request access to personal information we hold about you, request correction of inaccurate information, withdraw consent where applicable, request deletion where legally available, or opt out of certain communications.

• Request access to your personal information;
• Request correction of inaccurate or incomplete information;
• Withdraw consent where applicable;
• Submit an opt-out or do-not-contact request;
• Ask questions about how your information is collected, used, or shared.

14. Children and Minors

This website is intended for Canadian residents who are at least 18 years of age. We do not knowingly collect personal information from children or minors.

If you believe a minor has submitted information through this website, please contact us so we can review the request.

15. Accuracy of Information

You are responsible for providing accurate, current, and complete information when submitting a form or quote request. Inaccurate information may affect whether a partner can respond to your inquiry.

16. External Links

This website may link to third-party websites or services. We are not responsible for the privacy policies, content, security, or practices of third-party websites.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we may update the "Last Updated" date at the top of this page. Your continued use of the website after changes are posted means you acknowledge the updated policy.