Section 1

Who We Are

Pax Orbis LLC is a personal business entity operated by Ryan Dunner, a licensed independent life insurance producer (NPN: 22082095), licensed in AZ, NJ, SC, TX, VA, PA, CO, FL, and NC.

This Privacy Policy applies to information collected through paxorbisfinancial.com and in connection with the services we provide.

Section 2

Information We Collect

We collect only what we need to serve you. This may include:

Section 3

How We Use Your Information

Section 4

Text Message (SMS) Communications

By providing your phone number and engaging via this site, you may consent to receive text messages from Pax Orbis LLC regarding life insurance products, appointment reminders, and follow-up communications.

Message frequency varies. Message and data rates may apply.
To opt out: Reply STOP to any text message.
For help: Reply HELP or email ryan@paxorbis.io.

Consent is not a condition of purchasing any insurance product. We do not sell your phone number.

Section 5

How We Share Your Information

We do not sell your personal information.

Section 6

GLBA Notice

As a licensed insurance producer, we are subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal information only as needed to provide insurance services and do not share it with nonaffiliated third parties except as permitted by law.

Section 7

Data Security

We use industry-standard security measures, including encryption in transit, to protect your information. No method of data transmission or storage is 100% secure, and we cannot guarantee absolute security. If we ever learn of a breach affecting your personal information, we will notify you and any applicable regulator within the timeframe required by law.

Section 8

Cookies & Tracking

This site uses standard website analytics and functionality cookies to understand traffic and improve the site. We do not use this data to make eligibility or pricing decisions about you, and we do not run third-party ad-retargeting pixels. You can block or delete cookies in your browser settings; doing so may affect some site functionality but will not prevent you from contacting us.

Section 9

Your Rights

You may request access to, correction of, or deletion of your personal information at any time by contacting ryan@paxorbis.io. Retention periods of up to 7 years may apply to insurance-related records as required by state regulations; we delete or de-identify information once no longer needed for that purpose.

Residents of states with comprehensive consumer privacy laws, including California, Colorado, Virginia, and Texas, have the right to access, correct, delete, or obtain a copy of their personal information, and to opt out of its sale or use for targeted advertising. We do not sell personal information and do not use it for cross-context behavioral advertising, so there is nothing to opt out of today; we honor access, correction, and deletion requests from anyone, resident or not, at the contact below. We will not deny you service, charge you a different price, or provide a different level of service for exercising any of these rights.

Section 10

Children

This site and our services are not directed at, and are not intended for use by, anyone under 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information to us, contact us and it will be deleted.

Section 11

The Pax Orbis Platform

Paxorbisfinancial.com is a separate site and business from paxorbis.io, the pre-launch Pax Orbis software platform. If you follow a link to paxorbis.io, your information there is governed by that site's own, separate privacy policy, not this one.

Section 12

Changes to This Policy

If this policy changes, the date at the top changes with it. Material changes affecting how we handle information you've already given us will be communicated directly, not just posted silently.

Contact & Questions

Pax Orbis LLC

Licensed producer NPN: 22082095

Email: ryan@paxorbis.io

Website: paxorbisfinancial.com