Privacy Policy

1. Introduction

Peak Life Coverage (the “Site”), accessible at peaklifecoverage.com, is operated by BlackShark Systems Inc. (“we,” “us,” or “our”). We are a lead generation service that connects consumers with licensed insurance professionals. We are not an insurance carrier, broker, or agent.

This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our Site or use our services. By using the Site, you agree to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide

When you complete forms on our Site to request insurance quotes or information, we may collect:

• Full name
• Date of birth
• Mailing address and ZIP code
• Phone number
• Email address
• Insurance coverage preferences (type of coverage, coverage amount, policy term)
• Health-related questions (tobacco use, general health status, pre-existing conditions)
• Social Security Number (collected via encrypted form fields, used solely for insurance quoting purposes)

2.2 Information Collected Automatically

When you visit our Site, we automatically collect certain technical information, including:

• Browser type and version
• Device type, operating system, and screen resolution
• IP address and approximate geographic location
• Browser-based geolocation (if you grant permission)
• Pages visited, time spent on pages, and navigation paths
• Referring URL and marketing parameters (UTM source, medium, campaign, term, and content)
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Connecting you with insurance professionals: We share your information with licensed insurance agents and carriers so they can provide you with quotes and coverage options.
• Communicating with you: We may contact you by phone, email, or SMS to follow up on your inquiry, provide requested information, or schedule appointments.
• Improving our services: We analyze usage patterns and Site performance to enhance the user experience.
• Analytics and reporting: We use aggregated and anonymized data to understand how our Site is used and to measure the effectiveness of our marketing efforts.
• Advertising optimization: We use tracking technologies to measure and optimize the performance of our advertising campaigns.
• Legal compliance: We may use your information as required to comply with applicable laws, regulations, or legal processes.

4. How We Share Your Information

We share your personal information with the following categories of third parties:

• Licensed insurance agents and carriers: We share your contact information and coverage preferences so they can provide you with insurance quotes. This is the core purpose of our service.
• Service providers: We work with third-party companies that help us operate our business, including:
  • Supabase (database hosting and storage)
  • Clerk (user authentication)
  • Twilio (SMS messaging)
  • Resend (email delivery)
  • Cal.com (appointment scheduling)
• Analytics and advertising partners: We share limited data with PostHog (analytics and session recording), Meta (Facebook/Instagram advertising), and Google (advertising) to measure and optimize our marketing campaigns.
• Legal obligations: We may disclose information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

We do not sell your personal information to third parties for unrelated marketing purposes.

5. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your experience and support our business operations:

• Essential cookies: Required for the Site to function properly, including session management and security.
• Analytics cookies: We use PostHog for website analytics and session recording to understand how visitors interact with our Site and identify areas for improvement.
• Advertising cookies: We use Meta Pixel and Google Ads conversion tracking to measure the effectiveness of our advertising campaigns and deliver relevant ads to you on other platforms.

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect Site functionality.

6. SMS/Text Messaging

By providing your phone number and consenting to receive text messages, you agree to receive SMS communications from us or our licensed insurance partners related to your insurance inquiry.

• Message frequency varies based on your inquiry and interactions.
• Message and data rates may apply depending on your mobile carrier and plan.
• To opt out of SMS messages at any time, reply STOP to any message you receive from us.
• For help, reply HELP or contact us at josh@blacksharksystems.com.
• Carriers are not liable for delayed or undelivered messages.

Your consent to receive SMS messages is not a condition of purchasing any goods or services.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to certain legal exceptions.
• Opt-out of marketing emails: Every marketing email we send includes an unsubscribe link. You may opt out at any time.
• Opt-out of SMS: Reply STOP to any text message to unsubscribe.
• Do Not Call: You may request to be placed on our internal do-not-call list.

To exercise any of these rights, please contact us at josh@blacksharksystems.com.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which it was collected, the business purpose for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You may request the deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out of Sale: We do not sell personal information as defined under the CCPA. However, if this practice changes, we will provide a “Do Not Sell My Personal Information” link on our Site.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at josh@blacksharksystems.com. We will verify your identity before processing your request and respond within 45 days.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including:

• Encryption of sensitive data (including Social Security Numbers) in transit and at rest
• Access controls that limit data access to authorized personnel only
• Secure hosting infrastructure with industry-standard protections
• Regular review of our data collection, storage, and processing practices

While we strive to protect your information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security.

10. Children’s Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe a child has provided us with personal information, please contact us at josh@blacksharksystems.com.

11. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

12. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. When your information is no longer needed, we will securely delete or anonymize it.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make material changes, we will update the “Effective Date” at the top of this page. We encourage you to review this policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: