Fex.Life Privacy Policy and Security Statement

At Fex.Life, your trust is our most valuable asset. We are committed to maintaining the confidentiality, integrity, and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our website (https://fex.life), use our mobile applications, or otherwise interact with our Services. Our Services include our life insurance CRM system and Dialer functionality, collectively referred to as the “Platform.”

In providing our Services, Fex.Life partners with the following entities:

• ● FEX Life LLC (Indiana): Owner and provider of the CRM software.
• ● AI PowerDialer LLC (Wyoming): Owner and provider of the Dialer system (integrated as a third‑party service).
• ● Insurtech Data Solutions LLC (Wyoming): Responsible for managing all cloud data hosted on our Platform—including data provided by you and data downloaded from the FEX Life CRM.

By accessing or using our Services, you agree to the practices described in this Privacy Policy.

1. Our Privacy Commitment

Fex.Life is dedicated to protecting your personal information. We have implemented a variety of administrative, technical, and physical safeguards designed to protect your data from unauthorized access, use, or disclosure. We continuously review and update our privacy practices to address new challenges and comply with evolving legal requirements.

2. Information We Collect

We collect information from you in various ways, both directly and automatically, as you interact with our Platform.

2.1. Information You Provide Directly

• Registration and Account Information: When you register for an account, we collect information such as your full name, email address, phone number, mailing address, zip code, and, if applicable, business details (including your company name and other identifying information). For paid services, financial details (e.g., credit card numbers, billing addresses) are also collected solely for billing purposes.
• User-Provided Data: You may provide additional information by uploading data to our Platform (for example, client or lead data) or through forms, surveys, or communications with our support team. You represent that you have all necessary rights and consents to provide this data.
• Communications: Any correspondence you have with our customer support, sales, or other departments (via email, phone, chat, etc.)

2.2. Information We Collect Automatically

• Technical Information: When you visit our website or use our Services, we collect data such as your IP address, device type, operating system, browser type, and other technical details.
• Usage Data: We record information about your interactions with our Platform, such as pages visited, time spent on pages, features used (including dialer sessions, call recordings, SMS, and email communications), and navigation paths
• Log Files: Our servers maintain log files that record details like access times,referring/exit pages, and click counts.
• Cookies and Similar Technologies: We use cookies, web beacons, and tracking pixels to track your preferences, improve your experience, and analyze overall usage trends. For example, persistent cookies help us recognize you on subsequent visits, while session cookies improve the functionality of our Services.

3. How We Use Your Information

We use your Personal Information to provide and improve our Services, communicate with you, and comply with legal requirements. Our uses include, but are not limited to:

3.1. Service Delivery and Enhancement

• Providing Services: To operate, maintain, and enhance our CRM and Dialer platform.
• Personalization: To customize your experience based on your preferences and usage history
• Product Development: To analyze usage trends and feedback to improve our Services.

3.2. Communications

• Administrative and Service Notifications: To send you important updates, account alerts, maintenance notices, and security alerts.
• Marketing and Promotions: With your consent, to send promotional materials, newsletters, and information about new products or services. You may opt out of marketing communications at any time
• Customer Support: To respond to inquiries, provide technical support, and resolve issues.

3.3. Security and Compliance

• Fraud Prevention and Security: To detect, prevent, and investigate unauthorized or fraudulent activities.
• Legal and Regulatory Compliance: To comply with applicable laws, respond to legal requests (such as subpoenas), and enforce our Terms of Service.
• Internal Auditing and Analysis: To conduct research, analytics, and product development.

3.4. Third-Party Integrations

• Integrated Services: To provide and support features delivered by our partners (e.g.,the dialer functionality from AI PowerDialer LLC and cloud data management from Insurtech Data Solutions LLC). Any use of your data by these third parties is governed by our contractual arrangements and their respective privacy policies, where applicable.

4. Cookies and Tracking Technologies

4.1. Cookies

Cookies are small data files stored on your device. We use cookies to

• Recognize you on subsequent visits.
• Track your preferences and usage patterns.
• Enhance your user experience and deliver personalized content. You can control or disable cookies through your browser settings; however, this may affect the functionality of our Services.

4.2. Web Beacons and Tracking Pixels

We may use web beacons and tracking pixels in our emails and on our website to monitor the effectiveness of our communications and to analyze user behavior. These tools help us improve our marketing efforts without revealing your Personal Information.

4.3. Log Files

Log files collect technical details about your visit, including IP address, browser type, and access times, which help us monitor and improve the performance of our Site.

5. Sharing and Disclosure of Your Information

Fex.Life does not sell your Personal Information. We may share your data only in the following circumstances:

5.1. With Service Providers and Business Partners

• Third-Party Vendors: We share information with trusted third-party service providers (such as payment processors, analytics providers, and email service providers) who perform services on our behalf. These providers are contractually obligated to maintain the confidentiality and security of your data.
• Integrated Services: Information is shared with our technology partners (e.g., AI PowerDialer LLC and Insurtech Data Solutions LLC) solely for the purpose of providing and managing the integrated components of our Platform.

5.2. For Legal and Security Purposes

• Legal Requirements: We may disclose your information if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Security and Fraud Prevention: To investigate, prevent, or address fraud, security breaches, or other illegal activities.

5.3. In Business Transactions

• Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the successor entity, provided that appropriate safeguards are maintained.

5.4. With Your Consent

• Consent-Based Sharing: We may share your information with third parties when you have explicitly consented to such disclosures for specific purposes (e.g., participating in promotions or surveys).

6. Data Security Measures

We employ a variety of security measures to protect your Personal Information, including:

6.1. Encryption and Secure Transmission

• SSL/TLS Protocols: Data transmitted between your device and our servers is encrypted using industry-standard SSL/TLS technology.
• Data Encryption: Sensitive data, including payment information and passwords, is stored using robust encryption algorithms.

6.2. Access Controls

• Role-Based Access: Access to your data is restricted to employees and contractors who need it to perform their job functions, and all such personnel are subject to confidentiality obligations.
• Authentication: We implement strong authentication methods, including multi-factor authentication where applicable, to secure your account.

6.3. Physical Security and Infrastructure

• Secure Data Centers: Our servers and data storage facilities are housed in secure, monitored data centers with controlled physical access.
• Regular Audits: We perform regular security audits and continuously monitor our systems to identify and mitigate potential vulnerabilities.

6.4. Incident Response

In the event of a security breach, we have established procedures to promptly investigate, contain, and remediate the incident, and we will notify affected users as required by applicable law.

7. Data Retention

We retain your Personal Information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Once the data is no longer needed, we will securely dispose of it in a manner that protects your privacy.

8. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your Personal Information. These rights include, but are not limited to:

8.1. Access and Correction

• Access: You have the right to request access to the Personal Information we hold about you.
• Correction: You can request that we update or correct any inaccuracies in your data.

8.1. Access and Correction

• Access: You have the right to request access to the Personal Information we hold about you.
• Correction: You can request that we update or correct any inaccuracies in your data.

8.2. Data Portability and Deletion

• Data Portability: Where applicable, you may request a copy of your data in a structured, machine-readable format.
• Deletion: Subject to legal obligations, you can request the deletion of your Personal Information.

8.3. Opt-Out of Communications

You may opt out of receiving promotional or marketing communications by following the unsubscribe instructions provided in our emails or by contacting us directly. Opting out of marketing communications does not affect your receipt of essential service-related notifications.

8.4. Exercising Your Rights

To exercise any of these rights, please contact our Data Protection Officer a

• Email: support@fex.life
• Mail: 8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA

We will verify your identity and respond to your request in accordance with applicable law.

9. International Data Transfers

Your Personal Information may be transferred to and maintained on servers located outside your country of residence. By using our Services, you consent to the transfer of your data to countries that may have different data protection laws than your jurisdiction. We take appropriate measures to ensure that your information is protected in accordance with this Privacy Policy.

10. Special Categories of Data and Industry-Specific Considerations

10.1. Communication and Call Data

Because our Platform includes a Dialer system and CRM for life insurance services, we may collect and process information related to your communications, such as call recordings, call logs, text messages, and other communication data. This information is used to:

• Monitor and enhance the performance and reliability of our dialer and CRM features
• Ensure compliance with telemarketing, data protection, and insurance industry regulations.
• Support quality assurance and troubleshooting efforts.

10.2. Sensitive Information

Fex.Life is not designed for the processing of Protected Health Information (PHI) or other sensitive health-related data unless a separate, compliant arrangement is in place. You should not upload or transmit such data unless expressly authorized.

11. Children’s Privacy

Our Services are not directed toward individuals under the age of 18. We do not knowingly collect Personal Information from minors. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to promptly delete the information from our systems.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When material changes occur, we will update the “Last Revised” date at the top of this policy and notify you via our website or email if required. Your continued use of our Services after any changes constitutes your acceptance of the updated policy

13. Third-Party Links and Services

Our Site may contain links to third-party websites or services that are not operated by Fex.Life. This Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any external sites you visit, as we are not responsible for their practices

14. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at

FEX.Life

8520 Allison Pointe Boulevard, Suite 220 #122, Indianapolis, IN, 46250, USA

Email: support@fex.life

Website: https://fex.life