Privacy Policy

Pax Orbis LLC is a personal business entity through which individually licensed life insurance producers offer educational content and services. Producer names, license numbers, and licensed states are listed in our Disclaimer, Section 3. This Privacy Policy applies to information collected through paxorbisfinancial.com and in connection with the services we provide.

• Contact information: name, phone number, email address
• Demographic information: date of birth, state of residence, veteran/military status
• Health-related information: only as necessary to obtain life insurance quotes
• Financial information: income range, existing coverage, only as needed for suitability
• Usage data: pages visited, time on site, referral source

• To respond to inquiries and schedule consultations
• To obtain life insurance quotes from carriers on your behalf
• To send educational content about life insurance products
• To send appointment reminders and follow-up communications
• To comply with legal and regulatory obligations
• To measure and improve the performance of our advertising, using the tools and limits described in Section 8

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.

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

• Insurance carriers: to obtain quotes or process applications, with your consent
• Service providers: CRM, scheduling, and email tools under confidentiality agreements
• Legal authorities: when required by law or regulation

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.

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.

This site uses cookies and similar technologies for three purposes: core site functionality, analytics to understand traffic and improve the site, and online advertising, which may include remarketing/retargeting pixels operated by third-party ad platforms such as Meta (Facebook/Instagram) and Google Ads. When an advertising pixel is active, it may collect pages visited, general on-site activity, and, if you submit a form, a one-way hashed (encrypted, non-readable) version of the email or phone number you provided, used only to match you for ad delivery and to measure campaign performance. That hashed matching data is handled by the ad platform under its own separate privacy policy, which we do not control.

We do not use tracking or advertising data to make eligibility or pricing decisions about you.

Your choices: You can block or delete cookies in your browser settings, use your browser's or device's ad-tracking controls, and, where you have one enabled, we honor a Global Privacy Control (GPC) signal as an opt-out request for targeted advertising. You can also opt out directly at any time by emailing ryan@paxorbis.io with "Opt-Out" in the subject line. Blocking cookies may affect some site functionality but will not prevent you from contacting us directly.

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, Texas, and others, 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 or cross-context behavioral advertising. We do not sell personal information for money. To the extent the advertising cookies and pixels described in Section 8 are considered "sharing" for targeted advertising under applicable state law, you can opt out at any time using the methods in Section 8, including an enabled Global Privacy Control signal or a direct email request. We honor access, correction, deletion, and opt-out 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.

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.

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.

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.