At TLIC, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website or use our services. By accessing or using our website, you consent to the practices described in this Privacy Policy.

“Personal Information”: Refers to information that can be used to identify an individual, such as name, email address, phone number, or payment details.
“Non-Personal Information”: Refers to data that does not directly identify you, such as browser type, IP address, and aggregated website usage data.
“Cookies”: Small data files stored on your device that help websites remember your preferences and activities.
“Website”: Refers to the TLIC online platform, including but not limited to www.mytlic.com and all related subdomains.

a. Personal Information
We may collect the following types of personal information:
Contact Information: Name, email address, postal address, phone number.
Account Information: Username, password, and other login credentials.
Payment Information: Credit card number, billing address, and transaction details.
Communications: Any information you provide when you communicate with us via email, chat, or other channels.

b. Non-Personal Information
We may collect the following non-personal information:
Device Information: Information about your device, including IP address, browser type, operating system, and device identifiers.
Usage Data: Information about your interactions with our website, including pages viewed, links clicked, and time spent on the site.
Location Data: Information about your geographic location, may be collected via IP address or other location-based services.

c. Automated Data Collection
We use cookies, web beacons, and similar tracking technologies to automatically collect information about your activities on our website. This helps us understand user behavior and improve our services.

We may use the information we collect for the following purposes:
Service Provision: To provide and manage our services, including account management, customer support, and transaction processing.
Personalization: To personalize your experience on our website by displaying content tailored to your interests.
Marketing: To send you promotional materials, newsletters, and other communications about our products and services.
Analytics: To analyze website usage, user behavior, and trends to improve our website and services.
Security: To protect the security of our website, detect and prevent fraud, and enforce our terms and conditions.
Legal Compliance: To comply with legal obligations, such as responding to subpoenas or court orders.

We may share your information with the following parties:
Service Providers: Third-party companies that provide services on our behalf, such as payment processing, data analysis, and marketing assistance.
Business Partners: Companies with whom we collaborate or partner to provide joint products or services.
Affiliates: Subsidiaries and affiliates of TLIC for purposes consistent with this Privacy Policy.
Legal Authorities: Government agencies, regulators, or other entities when required by law or to protect our rights.

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. Once your information is no longer needed, we will securely delete or anonymize it.

You have the following rights regarding your personal information:
Access and Correction: You may request access to your personal information and request corrections to any inaccuracies.
Data Portability: You may request a copy of your personal information in a structured, commonly used, and machine-readable format.
Deletion: You may request the deletion of your personal information, subject to certain legal exceptions.
Opt-Out: You may opt out of receiving marketing communications from us by following the unsubscribe instructions in our emails.
Restriction of Processing: You may request that we restrict the processing of your personal information under certain circumstances.
Objection: You may object to the processing of your personal information based on our legitimate interests.

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings or other tools. Please note that disabling cookies may affect your ability to use certain features of our website.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Your personal information may be transferred to, and processed in, countries other than the country in which you reside. These countries may have data protection laws that are different from those in your country. By using our website, you consent to the transfer of your information to countries outside your country of residence.

We implement various security measures to protect your personal information, including encryption, access controls, and secure servers. However, please note that no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Our website is not intended for children under the age of [insert age, e.g., 13 or 18]. We do not knowingly collect personal information from children under this age. If we become aware that we have inadvertently collected such information, we will take steps to delete it as soon as possible.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make significant changes, we will notify you by email or through a notice on our website. Your continued use of our website after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at [insert contact details].

This Privacy Policy is governed by the laws of the State of Maryland, without regard to its conflict of law principles. Any disputes arising out of or related to this Privacy Policy shall be subject to the exclusive jurisdiction of the state and federal courts located in Maryland.

Any disputes arising from this Privacy Policy will be resolved through binding arbitration in accordance with the rules of [insert arbitration body, e.g., the American Arbitration Association]. The arbitration shall take place in Maryland, and the arbitrator’s decision shall be final and binding. You waive any right to a jury trial or to participate in a class action lawsuit.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to:
Request Information: Request details about the personal information we collect, use, and share.
Access Information: Access the personal information we hold about you.
Deletion Request: Request that we delete your personal information.
Non-Discrimination: You have the right not to be discriminated against for exercising any of your CCPA rights.To exercise your California privacy rights, please contact us at [insert contact details].

If you are a resident of the European Union (EU) or the European Economic Area (EEA), you have specific rights under the General Data Protection Regulation (GDPR), including:
Right to Access: Request access to your personal data and obtain information about how it is processed.
Right to Rectification: Request correction of inaccurate or incomplete personal data.
Right to Erasure: Request the deletion of your personal data under certain circumstances.
Right to Restriction: Request the restriction of processing of your personal data.
Right to Data Portability: Request a copy of your personal data in a machine-readable format and have it transferred to another controller.
Right to Object: Object to the processing of your personal data based on legitimate interests or for direct marketing purposes.
Right to Withdraw Consent: Withdraw your consent to the processing of your personal data at any time.
To exercise your GDPR rights, please contact us at [insert contact details].