Privacy Policy

1. Introduction

Eterna Insurance Solutions ("Eterna," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at goeterna.org, contact us, request a quote, book an appointment, or engage with our insurance services.

By using our Site or services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Site or services.

2. Information We Collect

We may collect the following categories of personal information:

Personal Identification Information:

• Full name
• Date of birth
• Email address
• Phone number
• Mailing address
• Social Security Number (only when required for insurance applications)

Health & Insurance Information:

• Health history and medical information (required for insurance underwriting)
• Existing insurance coverage details
• Beneficiary information
• Coverage preferences and financial goals

Financial Information:

• Income information (used for coverage recommendations)
• Payment information for premium processing (handled securely by carriers)

Technical & Usage Information:

• IP address and browser type
• Pages visited and time spent on the Site
• Referring website or source
• Device type and operating system
• Cookie data and similar tracking technologies

3. How We Collect Information

We collect information in the following ways:

• Directly from you — when you complete a contact form, quote request, booking form, or agent application on our Site
• From our agents — information gathered during consultations and the insurance application process
• From insurance carriers — underwriting decisions and policy information shared as part of the placement process
• Automatically — through cookies, web analytics tools, and similar technologies when you visit our Site
• From third parties — lead generation partners, referral sources, or publicly available sources, where permitted by law

4. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance consultation, quotes, and policy placement services
• To respond to your inquiries and communicate with you about your coverage
• To process insurance applications and facilitate carrier underwriting
• To schedule and confirm appointments with licensed agents
• To send service-related communications including appointment reminders and policy updates
• To send marketing communications about our products and services (with your consent)
• To improve our website, services, and customer experience
• To comply with legal and regulatory obligations
• To prevent fraud and protect the security of our services
• To recruit, onboard, and support insurance agents

5. Sharing of Information

We do not sell your personal information to third parties for their marketing purposes. We may share your information in the following circumstances:

• Insurance Carriers — we share your information with insurance carriers as necessary to obtain quotes, process applications, and place coverage on your behalf
• Service Providers — we may share information with trusted third-party vendors who assist us in operating our website and business (e.g., CRM providers, email platforms, scheduling tools), subject to confidentiality agreements
• Licensed Agents — your information may be shared with licensed Eterna agents to facilitate your consultation and coverage placement
• Legal Requirements — we may disclose information when required by law, regulation, court order, or government authority
• Business Transfers — in the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction
• With Your Consent — we may share information for any other purpose with your explicit consent

6. Insurance-Specific Disclosures

As an insurance agency, we are subject to additional privacy requirements under applicable state and federal insurance regulations, including the Gramm-Leach-Bliley Act (GLBA). In accordance with these requirements:

• We collect nonpublic personal information only as necessary to provide insurance products and services
• We implement reasonable safeguards to protect the confidentiality and security of your nonpublic personal information
• We limit sharing of your nonpublic personal information to what is permitted under applicable law and necessary for the provision of insurance services
• Health information collected for underwriting purposes is handled in accordance with applicable state insurance laws and HIPAA requirements where applicable

7. Cookies & Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience, analyze Site traffic, and support our marketing efforts. Cookies are small data files stored on your device when you visit our Site.

We use the following types of cookies:

• Essential cookies — necessary for the Site to function properly
• Analytics cookies — help us understand how visitors interact with our Site (e.g., Google Analytics)
• Marketing cookies — used to track visitors across websites for remarketing purposes

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our Site. For more information about cookies and how to manage them, visit allaboutcookies.org.

8. SMS & Email Communications

SMS Communications: By providing your phone number and opting in, you consent to receive SMS messages from Eterna including appointment reminders, policy updates, and occasional marketing communications.

• To opt out: Reply STOP to any SMS message at any time
• For help: Reply HELP or contact info@goeterna.com
• Message and data rates may apply. Message frequency varies.
• Carriers are not liable for delayed or undelivered messages.

Email Communications: By submitting your email address through our Site, you may receive service-related emails and, with your consent, marketing communications. You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in any email or contacting us directly.

9. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encrypted data transmission (SSL/TLS)
• Access controls limiting who can view sensitive information
• Secure storage of sensitive personal and financial data
• Regular review of our data collection and security practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately.

10. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your client relationship
• Comply with applicable legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Meet insurance recordkeeping requirements under state law

Insurance-related records are typically retained for a minimum of 5–7 years as required by state insurance regulations. When information is no longer needed, we securely dispose of it in accordance with our data retention policies.

11. Your Rights & Choices

You have the following rights with respect to your personal information:

• Access — request a copy of the personal information we hold about you
• Correction — request correction of inaccurate or incomplete information
• Deletion — request deletion of your personal information, subject to legal and regulatory retention requirements
• Opt-out of marketing — unsubscribe from marketing communications at any time
• Data portability — request a copy of your data in a portable format where technically feasible

To exercise any of these rights, please contact us at info@goeterna.com. We will respond to your request within 30 days.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know — the right to know what personal information we collect, use, disclose, and sell
• Right to Delete — the right to request deletion of your personal information
• Right to Opt-Out — the right to opt out of the sale of your personal information. We do not sell personal information.
• Right to Non-Discrimination — we will not discriminate against you for exercising your CCPA rights

To submit a California privacy request, contact us at info@goeterna.com or call (321) 578-3504.

13. Children's Privacy

Our Site and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately and we will take steps to delete that information.

14. Third-Party Links

Our Site may contain links to third-party websites including insurance carrier websites, partner services, and external resources. This Privacy Policy applies only to our Site and services. We are not responsible for the privacy practices of third-party websites and encourage you to review their privacy policies before providing any personal information.

15. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically. Your continued use of our Site or services following the posting of changes constitutes your acceptance of the updated Privacy Policy.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: