HIPAA & GLBA Privacy Acknowledgement

Effective Date: January 1st, 2025

Variation Visions ("Company," "we," "our," or "us") is committed to protecting the privacy and security of sensitive personal and financial information. This HIPAA & GLBA Privacy Acknowledgement explains how we handle protected information collected in connection with life insurance inquiries, applications, and services provided through ourvariation.com (the "Website").

1. Scope of This Acknowledgement

This Acknowledgement applies to individuals who submit personal, financial, or health-related information to Variation Visions in connection with:

• Life insurance quotes and applications
• Underwriting inquiries
• Policy servicing and support

2. HIPAA – Health Information Privacy

In the course of providing life insurance services, Variation Visions may collect protected health information (PHI) as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

Our HIPAA Commitments

We acknowledge and affirm that:

• PHI is collected solely for insurance-related purposes, including underwriting and policy issuance
• PHI is accessed only by authorized personnel and licensed insurance partners
• PHI is not sold, rented, or disclosed for marketing purposes
• PHI is safeguarded using administrative, technical, and physical security measures

We only disclose PHI when:

• Authorized by you in writing
• Required to process an insurance application or policy
• Required by law or regulatory authorities

3. GLBA – Financial Information Privacy

Under the Gramm-Leach-Bliley Act (GLBA), we are required to protect nonpublic personal financial information (NPI) obtained from consumers.

Our GLBA Commitments

Variation Visions:

• Collects only information necessary to provide life insurance services
• Maintains safeguards to protect financial and personally identifiable information
• Does not share, sell, or disclose NPI to non-affiliated third parties except as permitted or required by law
• Requires third-party service providers and insurance carriers to maintain confidentiality and data security

4. Information We Protect

Sensitive information protected under this Acknowledgement may include:

• Social Security numbers
• Dates of birth
• Medical history and health disclosures
• Financial information
• Contact information
• Insurance application data

This information cannot and will not be shared except as expressly permitted by law or authorized by you.

5. Data Security Measures

We implement reasonable and appropriate safeguards, including:

• Secure data storage and encrypted transmission
• Restricted system access
• Ongoing monitoring and compliance practices
• Vendor and partner confidentiality requirements

Despite our efforts, no data transmission system can be guaranteed to be 100% secure.

6. Your Acknowledgement and Consent

By submitting information through our Website or engaging our services, you:

• Acknowledge that Variation Visions collects and processes sensitive health and financial information for life insurance purposes
• Consent to the use and disclosure of such information as described in this Acknowledgement
• Understand that your information will not be shared beyond what is legally required or necessary to provide insurance services

7. Retention of Information

We retain sensitive information only for as long as necessary to fulfill insurance, legal, and regulatory obligations, after which it is securely destroyed or anonymized.

8. Changes to This Acknowledgement

We may update this HIPAA & GLBA Privacy Acknowledgement periodically. Updates will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of any changes.

9. Contact Information

If you have questions about this Acknowledgement or our privacy practices, please contact:

Variation Visions
Website: https://ourvariation.com
Email: info@ourvariation.com
Phone: 1 (800) 470-6730

This Acknowledgement is provided for informational purposes and does not constitute legal advice. You should consult legal counsel to ensure full compliance with HIPAA, GLBA, and applicable state insurance regulations.

E-Sign & Electronic Consent Disclosure

Effective Date: January 1st, 2025

This E-Sign & Electronic Consent Disclosure ("Disclosure") explains how Variation Visions ("Company," "we," "our," or "us") uses electronic records, signatures, and communications in connection with life insurance products and services offered through ourvariation.com (the "Website"). By using our Website or submitting information electronically, you consent to the use of electronic records and signatures as described below.

1. Consent to Electronic Transactions

You agree that all agreements, disclosures, notices, applications, authorizations, acknowledgements, and records (collectively, "Records") that we provide to you electronically satisfy any legal requirement that such Records be in writing.

This consent applies to, but is not limited to:

• Life insurance quotes and applications
• Authorizations to obtain medical or consumer reports
• Policy documents and disclosures
• Privacy notices (including HIPAA & GLBA)
• Communications related to underwriting, servicing, or policy updates

2. Electronic Signatures

You agree that your electronic signature, including but not limited to checking a box, typing your name, clicking an acceptance button, or other electronic actions, constitutes a legally binding signature with the same force and effect as a handwritten signature.

3. Method of Electronic Delivery

Records may be delivered to you electronically via:

• Website pages or secure portals
• Email
• Text message links
• Electronic document platforms

You agree that electronic delivery is reasonable and acceptable.

4. Hardware and Software Requirements

To access and retain electronic Records, you must have:

• A device with internet access (computer, tablet, or smartphone)
• A valid email address
• A web browser capable of viewing PDF or HTML documents
• Sufficient storage or printing capability to retain Records

5. Paper Copies

You may request a paper copy of any Record at no charge by contacting us using the information below. Requesting a paper copy will not affect the validity of any electronic Record.

6. Withdrawal of Consent

You may withdraw your consent to receive Records electronically at any time by providing written notice to Variation Visions. Withdrawal of consent may delay or prevent our ability to provide insurance services electronically and may require alternative methods to complete transactions.

7. Updating Contact Information

You agree to keep your contact information, including your email address and phone number, accurate and up to date. Failure to do so may result in missed communications or delays in service.

8. Scope and Duration of Consent

Your consent applies to the duration of your relationship with Variation Visions and remains in effect unless withdrawn in accordance with this Disclosure.

9. Legal Authority

This Disclosure is provided in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.

10. Acknowledgement and Acceptance

By clicking "I Agree," submitting an electronic form, or otherwise proceeding electronically, you:

• Acknowledge receipt of this E-Sign & Electronic Consent Disclosure
• Consent to the use of electronic records and signatures
• Agree to conduct transactions with Variation Visions electronically

11. Contact Information

If you have questions regarding this Disclosure or wish to request paper copies or withdraw consent, please contact:

Variation Visions
Website: https://ourvariation.com
Email: info@ourvariation.com
Phone: 1 (800) 470-6730

This Disclosure is provided for informational purposes and does not constitute legal advice. You should consult legal counsel to ensure compliance with the E-SIGN Act and applicable insurance regulations.