Privacy Policy

1. Who we are

Turtelle Insurance ("Turtelle," "we," "us") is a brand name used by its individual owner. It is not an incorporated company and is not an insurance carrier. This policy explains what personal information we collect through turtelle.com and its portals, how we use and share it, and the choices you have. Questions and privacy requests: support@turtelle.com.

2. Information we collect

Family Protection Check: the answers you give (such as age, household, income to replace, debts, existing coverage and state or ZIP code), your first name and email address to deliver your report, and — only if you provide it and agree — your phone number.

"Talk to a Licensed Agent" requests: your name, email address, phone number (confirmed with a one-time text code), ZIP code and state, and whether you agreed to be contacted by phone or text.

Policy X-Ray: the policy file you upload (PDF or photo), the policy details you enter or confirm, your protection-need answers, your report, and any quotes you request. For a quote request you also give your name, date of birth, sex used for pricing and a general health rating; these are used for that request and are not stored with your X-Ray.

Agents: account details, National Producer Number, license information and documents you submit for verification, and the client and activity records you create.

Employers and associations: organization and contact details, and the employee or member lists you upload. Employee lists may include names, email addresses and, if you provide them, date of birth and annual salary; association member lists are limited to names and email addresses.

Website use: the page visited, the referring site (without query strings), time on page and a rough location (city, region, country) derived by our hosting provider. We do not store your IP address with visit records. IP addresses are used briefly for security and to limit repeated form submissions.

Chat assistant: the messages you type are sent to our AI provider to generate a reply; we do not keep the conversation. If you choose to leave your contact details in the chat, we store those details so someone can follow up.

3. How we use information

To calculate your Protection Score and Protection Gap and send your report; to run Policy X-Ray and prepare its report; to fetch quotes you ask for; to route your request for help to a licensed agent chosen by Turtelle; to operate the employer, association and agent portals; to send the invitations and messages described below; to verify agents' licenses; and to secure the platform, prevent abuse and keep required records. Calculations and reports are educational estimates, not insurance advice or an offer of coverage.

4. Policy X-Ray and AI processing

Uploaded policy files are stored in private storage that is not publicly accessible. Text is read from PDF files on our servers; photos and scanned pages are not read automatically.

Before any text is sent outside our servers, we automatically remove items such as names found next to labels like "Insured" or "Owner", policy and account numbers, dates of birth, street addresses, phone numbers, email addresses and e-signature identifiers, and we exclude pages identified as banking, medical, signature, application or administrative pages. This removal is automated and may not catch every detail. The remaining contract text — not the file or page images — is sent to OpenAI to identify policy facts such as coverage amount, premiums and dates. Each fact is shown to you with its page so you can correct it.

You can ask us to delete an uploaded file by emailing support@turtelle.com. Uploaded files are flagged for a deletion review about 90 days after upload; nothing is deleted automatically. The policy details you confirmed, your report and consent and activity records may be kept as described in section 8.

5. Sharing with licensed agents

We share your information with an agent only when you ask for agent help, and only with the licensed agent a Turtelle administrator assigns to your request after checking the agent's license for your state. Agents do not receive your information just because they helped you before.

Protection Check and "Talk to a Licensed Agent": your contact details, your phone number only if you agreed to phone contact, and your Protection Check results.

Policy X-Ray: only if you agree, the policy details you confirmed, your protection-need answers, the report and any quotes shown; for a quote review, also the quote you selected and your answer about your current policy. Your uploaded policy document is shared only if you separately allow the assigned agent to view it. That permission is for that agent only; if a different agent is assigned, you are asked again. You can withdraw sharing at any time. Withdrawing stops further access, but cannot recall information or a copy the agent has already viewed or downloaded.

6. Other sharing

Employers and associations never see an individual's Protection Check answers, scores, coverage gaps, policy details, uploaded documents or reports. They see whether invitations were sent and group participation totals, with small groups hidden.

Service providers that process information for us: Supabase (database and file storage), Vercel (website hosting), Resend (email delivery), Twilio (text-message verification codes), Cloudflare Turnstile (bot protection), OpenAI (Policy X-Ray fact extraction and the chat assistant) and BackNine (insurance quotes and online applications, only when you request them). Quotes are estimates, not offers or binding rates.

We may disclose information when required by law or legal process, or to protect the rights and safety of users and the platform. We do not sell personal information and do not share it for cross-context behavioral advertising.

7. Emails, texts and calls

We send messages you ask for or that are needed for the service, such as your report, verification codes and account notices. Invitations sent on behalf of an employer or association include a link to stop further invitations and reminders.

We, or a licensed agent working with Turtelle, contact you by phone or text only if you agreed with this statement: "I agree that Turtelle Insurance and licensed agents working with Turtelle Insurance may contact me at this number by phone or text about my Protection Report™ and life insurance options. Consent is not a condition of purchase. Message and data rates may apply." You can withdraw at any time by replying STOP to a text or by emailing support@turtelle.com. An employer or association cannot agree to calls or texts on your behalf.

8. Retention

We keep information for as long as needed to provide the service, meet legal and record-keeping obligations, resolve disputes and keep the platform secure. Consent records, agent-review history and audit logs are kept as evidence of what was agreed and who accessed what, and are not edited after they are written.

9. Security

We use reasonable safeguards, including encrypted connections, sign-in checks on every server request, private file storage, access limited by role and assignment, and audit logs of sensitive access. No system is completely secure, and we cannot guarantee the security of information.

10. Your choices and requests

You can ask to access, correct or delete your personal information by emailing support@turtelle.com. We will verify your identity before acting. Some information may be kept where the law requires it or for the records described in section 8. You can stop Policy X-Ray sharing from your X-Ray at any time, and manage invitation emails with the link in each invitation.

California residents: the categories of information we collect are listed in section 2, and the purposes in sections 3 to 7. We do not sell or share personal information as those terms are defined by California law, and we do not use sensitive personal information to infer characteristics about you. You will not be treated differently for making a privacy request.

11. Children

Turtelle is intended for adults aged 18 and over. We do not knowingly collect information from children. If you believe a child has given us information, contact support@turtelle.com and we will delete it.

12. Changes and contact

We will post changes on this page and update the date above. Contact: Turtelle Insurance, support@turtelle.com.