Consumer Privacy Notice
Rev. September 2026
This notice is given under the federal Gramm-Leach-Bliley Act, which applies to us because an insurance producer is a financial institution under that law. It is delivered when you first become a customer and annually afterwards where required. It sits alongside our general Privacy Notice, and it governs where the two differ about information collected in connection with an insurance transaction.
- FACTS
- What does Thalos LifeDirect 130 do with your personal information?
- Why?
- Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
- What?
- The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and date of birth
- medical information and medical history
- insurance claim history and policy information
- payment card or account information and transaction history
- name, contact details, address, and citizenship or residency status
- How?
- All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons we choose to share, and whether you can limit that sharing.
| Reason | Do we share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
To limit our sharing
Because we do not share your personal information in any of the ways that federal law lets you limit, no opt-out is required and none is offered. If that changes, we will send you a revised notice and a way to opt out before the new sharing begins.
You may still ask us questions about this notice, or exercise the state insurance rights described in our Privacy Notice, at any time.
Questions?
Email privacy@thaloslife.com or write to the privacy address in our Privacy Notice.
Who we are
Who is providing this notice? Thalos Life.Direct 130. The operating legal entity and any affiliates it shares information with are identified in our Privacy Notice.
What we do
How do we protect my personal information?
To protect your personal information from unauthorised access and use, we use security measures that comply with federal law. These include computer safeguards, secured files and buildings, access restricted to people who need the information to do their work, encryption of information in transit and at rest, and separate protected storage for the most sensitive items such as a Social Security number. No set of measures eliminates every risk, and we do not claim a certification or audit result.
How do we collect my personal information?
We collect your personal information, for example, when you
- apply for insurance or request a quote
- give us your contact information or income information
- provide your medical or health information
- pay a premium or give us your payment information
- seek advice about your insurance needs
We also collect your personal information from others, such as insurers, consumer reporting agencies, medical information exchanges, licensing authorities, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes — information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See the state sections in our Privacy Notice.
Definitions
Affiliates. Companies related by common ownership or control. They can be financial and nonfinancial companies. Any affiliates we share with are identified in our Privacy Notice.
Nonaffiliates. Companies not related by common ownership or control. They can be financial and nonfinancial companies. We do not share your personal information with nonaffiliates so they can market to you. Sharing with a nonaffiliate to carry out our everyday business (for example an insurer considering your application, a payment processor, or a licensing source) is not marketing.
Joint marketing. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not jointly market.
Other important information
Where a state's insurance privacy law gives you greater protection than this notice, that law applies. See State insurance rights, including the provisions for Nevada, Vermont, and California residents and the states that have adopted the NAIC insurance information and privacy protection act.
An insurer that issues a policy to you provides its own privacy notice and is responsible for the information it holds.