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Privacy Policy

Effective Date

December 1, 2025

Overview

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, submit information through our forms, communicate with us, or participate in our recruiting and onboarding evaluation process. It also describes your privacy rights and choices, including rights available to California residents and residents of other U.S. states.

This Policy applies to information collected through:

  • Our website and landing pages

  • Online forms and applications

  • Text messages, phone calls, email, and chat features

  • Advertising, analytics, and similar technologies

If you do not agree with this Policy, do not use the website or submit personal information.

1. Definitions

Personal information means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual or household.

Sensitive personal information may include certain identifiers or information that requires heightened protection under some laws. We do not intentionally request sensitive personal information through our recruiting intake process unless explicitly needed for a legitimate business purpose and disclosed at the time of collection.

2. Information We Collect

A. Information You Provide Directly

Depending on how you interact with us, you may provide:

  • Identifiers such as name, phone number, and email address

  • Professional information including licensing status, states licensed, carrier contracting status, production history, lead-buying experience, and work preferences

  • Communications and responses submitted through forms, text messages, calls, interviews, or live sessions

  • Scheduling and availability information

B. Information Collected Automatically

When you visit our website, we may automatically collect:

  • IP address and approximate location (city/state-level)

  • Device, browser, and operating system information

  • Pages viewed, actions taken, timestamps, and interaction data

  • Referral sources, advertising attribution data, and conversion events

  • Cookie and similar technology data

C. Information From Third Parties

We may receive information from:

  • Advertising platforms and analytics providers

  • Scheduling, messaging, and CRM service providers

  • Public or regulatory sources used to validate professional credentials where permitted by law

3. How We Use Information

We use personal information for legitimate business purposes, including:

  • Evaluating recruiting inquiries and applications

  • Scheduling and facilitating informational sessions and interviews

  • Communicating regarding the recruiting and onboarding process

  • Providing access to systems, training, and resources for selected candidates

  • Improving website performance, intake processes, and communications

  • Preventing fraud, misuse, and unauthorized access

  • Complying with legal obligations and enforcing policies

  • Measuring advertising performance and attribution

We do not make decisions that produce legal or similarly significant effects solely through automated processing where prohibited by law.

4. Text Messages, Calls, and Automated Communications

If you provide your phone number, we may contact you by call or text message for recruiting, scheduling, and informational purposes.

Some communications may involve automated or AI-assisted tools to facilitate timely responses, pre-qualification, routing, and recordkeeping. Consent to receive messages is not a condition of purchase. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP.

Please do not submit highly sensitive personal information through SMS or chat features.

5. Cookies, Analytics, and Advertising

A. Cookies and Similar Technologies

We use cookies, pixels, and similar technologies to operate the website, understand usage, improve performance, and measure advertising effectiveness.

B. Analytics

Analytics tools help us understand how visitors interact with the site so we can improve content and functionality.

C. Advertising and Conversion Tracking

We may use advertising and conversion tracking tools (such as pixels or APIs) to measure ad performance, attribute conversions, and improve targeting efficiency. These tools may allow advertising partners to receive information about interactions with our site.

D. Your Choices

You can manage cookies and tracking through browser settings, device-level controls, or advertising preference tools. Blocking certain technologies may affect site functionality.

6. How We Disclose Information

A. Service Providers

We share personal information with service providers that assist with website hosting, CRM systems, scheduling, messaging, analytics, advertising, security, and operational support. These providers are authorized to use information only to perform services on our behalf.

B. Legal and Protective Disclosures

We may disclose information if required to comply with law, legal process, or governmental request, or to protect rights, safety, and security.

C. Business Transfers

Information may be transferred as part of a merger, acquisition, financing, or sale of assets, subject to appropriate safeguards.

D. No Sale of Personal Information

We do not sell personal information for monetary consideration. Where laws define “sale” or “sharing” broadly (such as for targeted advertising), applicable opt-out rights are provided.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce agreements. Information may be de-identified or aggregated and retained in that form.

8. Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure.

9. Children’s Privacy

This website is not intended for individuals under 16 years of age. We do not knowingly collect personal information from children under 16.

10. International Visitors

Our services are intended for use within the United States. If you access the site from outside the U.S., you consent to processing and storage of information in the United States.

11. Your Privacy Rights

A. California Residents (CCPA/CPRA)

California residents may have the right to:

  • Know what personal information is collected, used, disclosed, or shared

  • Access, correct, or delete personal information

  • Opt out of sale or sharing of personal information, where applicable

  • Limit the use of sensitive personal information, where applicable

  • Not be discriminated against for exercising privacy rights

B. Other U.S. State Rights

Residents of certain states may have rights to access, delete, correct, or opt out of targeted advertising or certain profiling activities.

C. Exercising Rights

To exercise your privacy rights, use the form below. We may verify your identity before processing certain requests.

12. Do Not Track

Some browsers transmit Do Not Track signals. Because no uniform standard exists, we do not respond to all such signals.

13. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

14. Contact Information

Business Address:
3131 Camino del Rio North
San Diego, CA 92108

To contact us regarding privacy matters, use the form below.


Policy Ocean operates a selective onboarding program and does not accept all applicants. Participation is limited, and submission of information through this website does not guarantee contact, interview, or acceptance into the program. We reserve the right to review, approve, or decline any applicant at our sole discretion.

All candidates must hold an active life insurance license in their state of residence, or be willing and eligible to obtain one prior to onboarding. Licensing requirements, compensation structures, and program availability may vary by state.

Any earnings figures, screenshots, or performance data displayed on this site are provided for illustrative purposes only and represent individual outcomes. Results are not typical, are not guaranteed, and depend on multiple factors including effort, experience, market conditions, and adherence to training and systems.

By using this website, you acknowledge and agree that Policy Ocean does not provide employment guarantees, income guarantees, or investment advice. This site is intended for informational and evaluation purposes only. Use of this website constitutes acceptance of our terms, conditions, and review process.

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