Privacy Policy
Last updated: October 13, 2026
This policy covers the Family Protection Gap calculator website and distinguishes private calculator use from optional contact requests.
Calculator entries
Your detailed financial entries are processed locally in your browser tab and are not transmitted to a server or included automatically in contact requests. After you calculate, the estimated family-need total is temporarily placed in session storage so the Employer Life Insurance Gap Checker can import it if you choose. That limited total clears when the tab session ends. No detailed inputs are saved in browser storage. Printed or downloaded summaries remain on the devices or services you select.
Information you choose to share
The optional coverage-review form sends your name, email, phone if provided, state, contact preference, message, and consent to Netlify Forms for storage and the site operator's follow-up. Calculator financial entries are not included. Terence S. Phillips uses the details to respond to your request. Submissions may remain in the site's Netlify account and in email notifications if enabled; no automatic deletion schedule is implemented. Contact freequote@smarterhealthinsuranceoptions.com to request access, correction, deletion, or an end to follow-up communications. No mailing-list subscription is created. Please do not include sensitive account, medical, or identity information.
Hosting and technical information
The hosting provider may process technical information such as IP addresses, request times, browser details, and security or access logs to serve and protect the website. The calculator can be used without creating an account or signing in. Calculator use itself does not request your name or email.
Cookies, analytics, and advertising
This site has no Google Analytics measurement ID and does not send calculator inputs to an analytics service. Google AdSense code is loaded on eligible educational pages in preparation for advertising. When Google ad tags make requests or ads are served, Google and other third-party vendors may use cookies, web beacons, IP addresses, or similar identifiers to deliver, measure, and, depending on settings and applicable consent, personalize advertising. These technologies may be used even if an ad is not visibly rendered. Google explains its use of data on partner sites at How Google uses data when you use our partners’ sites or apps. You can manage Google personalized advertising in Google Ads Settings; some third-party advertising choices are available at aboutads.info. Google and other websites have their own privacy practices. This site also displays separately labeled promotional links; campaign labels identify their source and placement, and do not include calculator values or contact entries. Before serving ads in regions that require consent, the site operator must configure and verify an appropriate consent-management experience in the AdSense account.
Third-party services
Hosting, email providers, and any external sites you choose to visit have their own privacy practices. No calculator data is automatically shared with an insurer or used to determine eligibility or pricing.
Your choices and security
You may use the calculator without contacting anyone, reset or close the tab, and choose whether to save a summary or submit a contact request. Contact Terence to request access, correction, deletion, or an end to follow-up communications concerning information you sent. No method of transmission or storage is completely secure; limit the personal details you share.
Contact and updates
For privacy questions, email freequote@smarterhealthinsuranceoptions.com. Future changes will appear on this page with an updated date.