Privacy Policy

Effective Date: April 11, 2026 | Last Updated: April 11, 2026

1. Introduction

PolicyGuard Pro ("we," "us," or "our"), operated by Carlos A Zambrano (DBA TD AO Globe Life), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at getpolicyguardpro.com or contact us for our services.

By using our website or services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

• Contact Information: Name, email address, phone number, business address
• Business Information: Agency type, number of policies in force, business role
• Communications: Messages you send us via forms, email, or phone
• Technical Data: IP address, browser type, pages visited, referring URLs (via cookies/analytics)
• SMS Consent: Records of your consent to receive text messages from us

3. SMS / Text Message Communications

PolicyGuard Pro and TD AO Globe Life may send text messages (SMS) to you at the phone number you provide, but only if you have given us your explicit written consent to do so. By opting in to SMS communications, you agree to the following terms:

• Who sends the messages: SMS messages are sent by PolicyGuard Pro / TD AO Globe Life, operated by Carlos A Zambrano. Our SMS sender number is (254) 765-0038.
• Types of messages: Appointment reminders, follow-up communications, service information, and retention-related updates.
• Message frequency: Message frequency will vary based on your engagement with our services.
• Message and data rates: Standard message and data rates may apply depending on your mobile carrier and plan.
• How to opt out: Reply STOP to any text message to unsubscribe at any time. You will receive one confirmation message and no further texts.
• How to get help: Reply HELP to any text message, or contact us at (254) 765-0038 or tdqualitymanager@tdaoglobelife.com.
• No purchase required: Consent to receive SMS messages is not a condition of purchasing any product or service.
• Sharing of your number: We do not share, sell, or transfer your mobile phone number to third parties for their marketing purposes.

4. How We Use Your Information

We use your information to:

• Respond to your inquiries and schedule strategy calls
• Provide and improve our policy retention services
• Send transactional and service-related communications (email and SMS, with consent)
• Comply with legal obligations
• Analyze website usage to improve our site

5. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service providers: Third-party vendors who help us operate our website and deliver services (e.g., CRM platforms, email providers, SMS platforms), bound by confidentiality agreements.
• Legal requirements: If required by law, court order, or government authority.
• Business transfers: In connection with any merger, acquisition, or sale of assets, subject to the same privacy commitments.

6. Cookies and Tracking

Our website may use cookies and similar tracking technologies to analyze website traffic and improve your experience. You may control cookie settings through your browser. We use Google Analytics or similar services to understand how visitors interact with our site.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, and resolve disputes. SMS opt-out records are retained indefinitely to honor your preferences.

8. Your Rights (California Residents)

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), including the right to:

• Know what personal information we collect about you
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at tdqualitymanager@tdaoglobelife.com or (254) 765-0038.

9. Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last Updated" date above. Your continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

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