Privacy Policy

Last updated: June 18, 2026

Vivarium LLC ("Vivarium," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information through vivariumllc.com (the "Site") and the services we provide as an independent insurance agency.

1. Information we collect

We collect information you choose to provide and certain information collected automatically:

• Information you give us — your name, phone number, email address, and anything else you share when you request a quote, book an appointment, or contact us.
• Insurance and health information — when you apply for coverage, we and the insurance carriers we work with collect information needed to evaluate eligibility, such as your date of birth, general health information, and your Social Security number, which the insurance company uses to run a standard medical background check that is required for any life insurance application.
• Information collected automatically — basic usage data such as pages visited, device and browser type, and cookies that help us operate and improve the Site.

2. How we use your information

• Respond to your inquiries and prepare insurance quotes.
• Help you apply for, obtain, and service insurance coverage.
• Schedule and confirm appointments.
• Communicate with you by phone, text message, and email about your request and your coverage.
• Operate, maintain, and improve the Site, and comply with our legal and regulatory obligations.

We do not sell your personal information.

3. Text messages (SMS) and phone calls

If you provide your phone number and opt in, you consent to receive phone calls and text messages from Vivarium regarding your inquiry and coverage, which may be made using automated technology or a prerecorded voice. Consent is not a condition of purchasing any product. Message frequency varies, and message and data rates may apply. You can reply STOP to any text message to opt out at any time, or reply HELP for assistance.

4. Email communications

We send service-related emails and, with your consent, informational emails. You may unsubscribe from non-essential emails at any time using the link provided in each email.

5. How we share information

We share personal information only as needed to serve you and operate our business:

• With insurance carriers and their authorized representatives, to obtain quotes and process the applications you request.
• With trusted service providers who support our operations (for example, appointment scheduling, email delivery, and website hosting), under obligations of confidentiality.
• When required by law, regulation, subpoena, or other legal process, or to protect our rights and the safety of others.

We do not sell or rent your personal information to third parties for their own marketing purposes.

6. Data security and retention

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure. We retain personal information only for as long as necessary to fulfill the purposes described in this policy or as required by law.

Any health information you share in connection with an insurance application is treated as strictly confidential and handled in accordance with applicable privacy and health-information laws, including the protections of the Health Insurance Portability and Accountability Act (HIPAA). We never sell your personal or health information.

7. Your choices and rights

You may request to access, correct, or delete the personal information we hold about you, and you may opt out of marketing communications at any time. Depending on where you live, you may have additional rights under applicable state privacy laws (such as the California Consumer Privacy Act). To exercise any of these rights, contact us using the information below.

8. Children's privacy

The Site and our services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children.

9. Third-party links

The Site may link to third-party websites we do not control. We are not responsible for the privacy practices or content of those sites.

10. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be reflected by the "Last updated" date above. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.

11. Contact us

Vivarium LLC — Trenton, Illinois
Email: alex.elsing@vivariumllc.com
Phone: (618) 580-2581