Effective Date: May 13, 2025

PBDC LLC
520 SE 5TH AVE STE 1613
FT LAUDERDALE, FL 33301
Phone: +1 954-816-1746
Email: [email protected]
Website: https://www.pbdcllc.com

1. Introduction

PBDC LLC is a life insurance services provider committed to protecting your privacy.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services (collectively, the “Services”).

This policy applies to individuals located in the United States.

By using our Services, you agree to the terms of this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

We may collect personal information that you voluntarily provide, including:

- Full name

- Email address

- Mobile phone number

- Mailing address and location details

- Insurance inquiries and coverage interests

- Appointment reminders, customer support, account notifications, and policy updates

- Any information submitted through forms, chat, or surveys

2.2 Automatically Collected Information

We may automatically collect:

- IP address

- Browser type

- Device type and operating system

- Pages visited and time spent

- Referring and exit pages

- Approximate geographic location

2.3 Cookies and Tracking Technologies

We use cookies and similar technologies to:

- Operate and improve our website

- Analyze user behavior

- Support website analytics and service improvements

You may disable cookies through your browser settings.

3. How We Use Your Information

We use your information to:

- Provide insurance-related services and quotes

- Respond to inquiries and customer support requests

- Schedule and manage appointments

- Send transactional communications

- Send service-related updates and communications (only with user consent)

- Send SMS/text messages (only with opt-in consent)

- Improve our services and user experience

- Comply with legal obligations

We do not sell your personal information.

4. Email Communications

We may send:

- Transactional emails (service-related updates)

- Service-related emails and updates (only with your consent)

You may unsubscribe from optional email communications at any time using the link provided.

5. SMS / TEXT MESSAGING TERMS & CONDITIONS

5.1 Program Description

By opting in, you may receive SMS messages from PBDC LLC related to:

- Appointment reminders and confirmations

- Customer inquiries and follow-up communications

- Customer support communications

- Account-related notifications

- Policy updates

Message frequency may vary. Message and data rates may apply.

5.2 Opt-In Consent

You will only receive SMS messages after providing prior express written consent through a clear and unchecked checkbox on our website forms.

SMS consent is collected separately from other communications and is not a condition of purchase.

Users may see language similar to:

By checking this box, you agree to receive SMS messages from PBDC LLC related to appointment reminders, customer support, account notifications, policy updates, and other service-related communications. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out at any time or HELP for assistance. Consent is not a condition of purchase.

Users are also provided access to our Privacy Policy and Terms of Service before submitting their information.

5.3 Consent Requirements

- Consent is obtained via a clear, unchecked checkbox

- Consent is not a condition of purchase

- Consent is not pre-selected

5.4 Message Frequency

Message frequency varies based on your interactions with us.

5.5 Message & Data Rates

Message and data rates may apply depending on your mobile carrier.

5.6 Opt-Out Instructions

You may opt out at any time by replying:

STOP

You may also request to opt out by contacting us at:

Phone: +1 954-816-1746
Email: [email protected]

After opting out, you may receive one final confirmation message.

5.7 Help Instructions

Reply HELP for assistance or contact us using the information above.

5.8 SMS Data Use and Sharing

We do not sell, rent, or share SMS opt-in data or mobile numbers for marketing purposes.

We may share information only with trusted service providers (such as CRM systems and messaging platforms) solely to operate our services. These providers are contractually required to protect your information.

5.9 Double Opt-In (When Applicable)

In some cases, we may send a confirmation message to verify your consent before sending additional SMS messages.

5.10 Compliance

All messaging practices comply with applicable laws and industry standards, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.

6. How We Share Information

We may share your information with trusted third parties that help us operate our business, including:

- CRM platforms

- SMS delivery providers

- Email service providers

- Website hosting services

- Analytics providers

These parties are required to safeguard your data and use it only for authorized purposes.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information.

However, no method of transmission over the internet is 100% secure.

9. Data Retention

We retain personal information only as long as necessary to:

- Provide services

- Comply with legal obligations

- Resolve disputes

- Enforce agreements

10. Children’s Privacy

Our services are not intended for individuals under 13 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted with a revised effective date.

12. Contact Information

PBDC LLC
520 SE 5TH AVE STE 1613
FT LAUDERDALE, FL 33301

Phone: +1 954-816-1746
Email: [email protected]
Website: https://www.pbdcllc.com