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Privacy Policy

Last updated: July 13, 2026

Notice: This template is provided for general informational purposes and is not legal advice. Please have a licensed attorney review this policy before publishing, especially regarding TCPA, GLBA, HIPAA-adjacent health data, and state privacy laws.

1. Who We Are

APL & SR, LLC (“APL & SR,” “we,” “us,” or “our”) is a Florida limited liability company operating as an independent life insurance agency. This Privacy Policy describes how we collect, use, share, and safeguard information when you visit our website, call us at (844) 736-5225, or request a policy review or quote.

2. Information We Collect

We collect information in the following categories:

  • Contact information you provide: name, phone number, email address, mailing address, ZIP code.
  • Insurance-related information you provide: date of birth, gender, height and weight, tobacco use, general health information, existing coverage, coverage amount desired, and beneficiary information.
  • Communications with us: call recordings (where permitted by law and disclosed at the time of the call), text messages, emails, and form submissions.
  • Automatically collected data: IP address, browser type, device identifiers, referring URL, pages viewed, and interaction data gathered via cookies and similar technologies.

3. How We Use Your Information

We use your information to:

  • respond to quote requests and policy-review inquiries;
  • match you with appropriate life insurance products and licensed agents;
  • submit applications to insurance carriers on your behalf;
  • contact you by phone, text, and email about your inquiry (see Section 5);
  • operate, secure, and improve the Site;
  • comply with legal, regulatory, and licensing obligations.

4. How We Share Your Information

We may share your information with:

  • Insurance carriers and their underwriters to obtain quotes, submit applications, and issue policies;
  • Licensed agents and brokers we work with to service your inquiry;
  • Service providers that support our business (hosting, analytics, CRM, telephony, email/SMS delivery, e-signature, identity verification) under confidentiality obligations;
  • Legal or regulatory authorities when required by law, subpoena, or to protect our rights, users, or the public;
  • Successors in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information for money. We do not share personal information with unaffiliated third parties for their own marketing purposes without your consent.

5. Telephone & Text Message Communications (TCPA)

By submitting your phone number, you expressly consent to receive calls and text messages from APL & SR and its licensed agents at that number, including calls made using automated technology and prerecorded or artificial voices, for purposes related to life insurance quotes and services. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to any text to opt out, or contact us at service@standardresearcher.com.

6. Cookies & Analytics

We use cookies and similar technologies to operate the Site, remember your preferences, measure traffic, and understand how visitors use our pages. You can control cookies through your browser settings; disabling cookies may affect Site functionality.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, to comply with our legal, tax, and regulatory obligations (including insurance recordkeeping requirements), and to resolve disputes and enforce agreements.

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage, however, is completely secure, and we cannot guarantee absolute security.

9. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us and we will delete it.

10. Your Rights

Depending on where you live, you may have rights to (a) access the personal information we hold about you, (b) correct inaccurate information, (c) request deletion, (d) opt out of certain uses or sharing, and (e) not be discriminated against for exercising these rights. To make a request, email service@standardresearcher.com with the subject line “Privacy Request.” We may need to verify your identity before responding.

11. Florida & Other State Residents

APL & SR is based in Florida and operates under Florida law. Residents of California, Colorado, Connecticut, Virginia, Utah, Texas, and other states with comprehensive privacy statutes may have additional rights under state law; we honor those rights to the extent they apply.

12. Third-Party Websites

The Site may link to third-party websites, including insurance carriers. This Policy does not apply to those sites, and we are not responsible for their privacy practices.

13. Changes to This Policy

We may update this Policy from time to time. The “Last updated” date above reflects the most recent revision. Material changes will be highlighted on the Site.

14. Contact Us

APL & SR, LLC
Florida, United States
Phone: (844) 736-5225
Email: service@standardresearcher.com