Effective Date: June 5, 2026
Company: Bering Harbor LLC
Website: https://beringharbor.com
Bering Harbor LLC (“Bering Harbor,” “we,” “us,” or “our”) operates a performance marketing and lead generation business focused on life insurance and related insurance lead generation. This Privacy Policy explains how we collect, use, disclose, and protect information through our websites, lead generation forms, advertising campaigns, and related services.
By using our website, submitting information through our forms, or interacting with our services, you agree to the practices described in this Privacy Policy.
1. Information We Collect
Information You Provide to Us
We collect information you provide directly to us, including:
Contact Information: Name, email address, phone number, company name, mailing address, and related contact details.
Business Information: Business type, agency name, licensing status, target states, lead types requested, expected lead volume, monthly budget, delivery preferences, CRM or integration preferences, and other business-related details.
Lead Buyer Information: Information submitted by insurance agents, agencies, brokers, IMOs, FMOs, call centers, or other prospective lead buyers when requesting lead availability, pricing, or a test batch.
Communication Data: Information you provide when you contact us, request information, submit a form, reply to our communications, or communicate with us by email, phone, SMS, or other channels.
Payment and Billing Information: Billing details and payment-related information, if applicable. Payment information may be processed by third-party payment processors and is subject to their own privacy and security practices.
Information We Collect Automatically
When you access or use our website or services, we may automatically collect certain information, including:
Usage Data: Pages viewed, links clicked, forms started or submitted, time spent on pages, referring URLs, and other website interaction data.
Device Information: IP address, browser type, operating system, device identifiers, screen size, general location information, and mobile network information.
Cookies and Tracking Technologies: We may use cookies, pixels, web beacons, analytics tags, advertising pixels, and similar technologies to collect information about browsing activity, ad performance, and website usage. You can control cookies through your browser settings.
Information from Third Parties
We may receive information from third-party sources, including:
Lead Data: Information submitted by consumers through Bering Harbor-owned or operated lead generation campaigns, including contact details, insurance interest, coverage preferences, state, age range, household or family-related information, and other qualification data.
Advertising and Analytics Platforms: Information from platforms such as Google, Meta, analytics providers, tracking platforms, and other marketing technology providers.
Service Providers and Business Partners: Information from CRM platforms, form providers, verification vendors, consent documentation vendors, call tracking providers, automation platforms, data validation providers, and related service providers.
Public Sources: Publicly available business, licensing, or company information where relevant to evaluating buyer fit, compliance, or service delivery.
2. How We Use Your Information
We use the information we collect for the following purposes:
Provide and Improve Services: To operate our website, respond to inquiries, evaluate buyer fit, deliver leads, manage customer relationships, and improve our services.
Lead Generation and Delivery: To generate, qualify, document, route, and deliver life insurance and related insurance leads to approved lead buyers in accordance with our agreements.
Buyer Qualification: To evaluate whether a prospective lead buyer’s target states, licensing, volume requirements, budget, product focus, delivery method, and follow-up process are a fit for Bering Harbor’s lead generation capabilities.
Communication: To respond to inquiries, send updates, provide support, discuss lead availability, coordinate test batches, and communicate about services.
Marketing: To send service-related updates, promotional materials, newsletters, or other marketing communications. You may opt out of marketing communications at any time.
Analytics and Optimization: To analyze website performance, measure advertising effectiveness, improve lead generation funnels, optimize user experience, and evaluate campaign performance.
Consent and Compliance Documentation: To maintain records related to consumer consent, timestamps, source data, form submissions, lead delivery, and related compliance documentation.
Fraud Prevention and Security: To detect, prevent, and address fraud, abuse, security issues, invalid submissions, duplicate leads, and other harmful activity.
Legal Compliance: To comply with applicable laws, regulations, legal obligations, contractual obligations, and to protect our rights, our customers, and others.
3. Lead Generation, Lead Distribution, and Disclosure
Lead Generation Business
Bering Harbor operates as a lead generation and performance marketing company. We generate first-party consumer inquiries through owned or operated campaigns, websites, forms, and advertising funnels.
When a consumer submits information through a lead generation form, that information may be used to evaluate the consumer’s interest in life insurance, final expense insurance, mortgage protection, term life insurance, family protection coverage, or related insurance products.
Lead Distribution to Business Clients
We may share qualified lead information with approved business clients, including licensed insurance agents, agencies, brokers, IMOs, FMOs, call centers, or other insurance-related businesses that have contracted with us to receive leads.
Lead information may include contact details, state, product interest, qualification responses, consent information, source data, timestamps, and other information submitted through the relevant form.
Exclusivity Commitment
Unless otherwise stated in a specific agreement or campaign setup, Bering Harbor is designed around exclusive lead delivery. This means a lead is routed to one approved buyer based on agreed criteria.
We do not represent that all leads are suitable for every buyer, nor do we guarantee contact, appointment, quote, sale, policy issuance, or revenue outcome.
Consumer Consent
By submitting information through our consumer-facing lead generation forms, consumers consent to having their information shared with an approved insurance agent, agency, broker, or related insurance provider for the purpose of receiving information, quotes, or communications related to their insurance inquiry.
4. TCPA Consent and Communications
When a person submits contact information through our website, lead forms, or lead generation campaigns, that person may be asked to provide express written consent to receive communications from Bering Harbor and/or our approved business clients, including licensed insurance agents, agencies, brokers, or related insurance providers.
These communications may be made by phone, email, SMS/text message, or other communication methods, and may include use of automated dialing systems, artificial or prerecorded voice messages, or text messages where permitted by law and where consent has been provided.
Consent may apply even if the phone number provided is listed on a federal, state, or internal Do Not Call list, to the extent permitted by applicable law and the consent language presented at the time of submission.
Consent is not required as a condition of purchasing goods or services.
Individuals may revoke consent at any time by following opt-out instructions in communications, replying “STOP” to applicable SMS messages, or contacting us at:
ivan@beringharbor.com
5. How We Share Information
We may share information in the following circumstances:
Approved Business Clients: We share lead information with approved insurance agents, agencies, brokers, IMOs, FMOs, call centers, or related insurance businesses that have contracted with us to receive qualified leads.
Service Providers: We share information with third-party vendors that help us operate our business, including hosting providers, analytics platforms, advertising platforms, CRM systems, form providers, email providers, SMS providers, call tracking providers, payment processors, automation tools, data validation providers, and consent documentation providers.
Consent and Compliance Vendors: We may use third-party tools to document consent, source data, timestamps, form submissions, and lead delivery records, including tools such as TrustedForm or similar consent documentation services where configured.
Advertising and Analytics Partners: We may share website and campaign activity data with advertising platforms and analytics providers to measure performance, optimize campaigns, and improve services.
Legal Compliance: We may disclose information to comply with applicable laws, regulations, legal process, subpoenas, court orders, government requests, or to enforce our agreements and protect our rights, customers, or others.
Business Transfers: If Bering Harbor is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction.
With Consent: We may share information with third parties when consent has been provided or when directed to do so.
We do not sell or rent personal information for unrelated third-party marketing purposes without appropriate consent. However, because Bering Harbor operates as a lead generation company, the sharing of lead information with approved business clients may be considered a “sale,” “sharing,” or similar disclosure under certain state privacy laws.
6. Cookies and Tracking Technologies
We use cookies, pixels, web beacons, scripts, and similar technologies to collect information about website usage, campaign performance, and user interactions.
Types of technologies we may use include:
Essential Cookies: Necessary for basic website functionality and form operation.
Analytics Cookies: Help us understand how users interact with our website and improve performance.
Advertising Cookies and Pixels: Help us measure advertising campaigns, attribute conversions, retarget users, and deliver relevant advertising.
Preference Cookies: Remember settings, preferences, or user interactions.
You can control cookies through your browser settings. Disabling cookies may affect website functionality, form performance, tracking, or user experience.
7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction.
However, no method of transmission over the internet, electronic storage, or digital processing is completely secure. We cannot guarantee absolute security.
8. Data Retention
We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including service delivery, lead documentation, compliance, dispute resolution, fraud prevention, accounting, and legal obligations.
Lead records, consent documentation, source data, and related delivery records may be retained for a period reasonably necessary to support compliance, contractual, and business requirements.
When information is no longer needed, we may delete, anonymize, or archive it in accordance with our data retention practices.
9. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information, including:
Access: Request access to personal information we maintain about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of personal information, subject to legal, contractual, compliance, and operational exceptions.
Opt Out of Marketing: Opt out of receiving promotional communications.
Opt Out of Sale or Sharing: Opt out of certain disclosures that may be considered a sale or sharing under applicable state privacy laws.
Portability: Request a copy of certain personal information in a portable format, where required by law.
To exercise these rights, contact us at:
ivan@beringharbor.com
We may need to verify your identity before processing your request.
10. California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”).
These rights may include:
Right to Know: Request information about the categories and specific pieces of personal information we collect, use, disclose, sell, or share.
Right to Delete: Request deletion of personal information, subject to applicable exceptions.
Right to Correct: Request correction of inaccurate personal information.
Right to Opt Out: Opt out of certain sales or sharing of personal information.
Right to Limit Use of Sensitive Personal Information: Where applicable, request limitation of certain uses of sensitive personal information.
Right to Non-Discrimination: You will not be discriminated against for exercising your privacy rights.
Categories of Personal Information We May Collect
We may collect the following categories of personal information:
Identifiers: Name, email address, phone number, IP address, company name, and related contact details.
Commercial Information: Lead purchase inquiries, service requests, transaction history, billing-related information, and customer relationship data.
Internet or Network Activity: Browsing activity, pages viewed, form interactions, advertising interactions, and analytics data.
Professional or Business Information: Agency type, licensing status, target states, lead buying criteria, budget, delivery preferences, company information, and role.
Geolocation Data: General location information derived from IP address or submitted state/ZIP information.
Inferences: Preferences, buyer fit indicators, lead type interests, and related business qualification information.
Business Purposes for Collection
We collect and use personal information for:
- Providing and improving services
- Lead generation and delivery
- Buyer qualification
- Marketing and advertising
- Analytics and performance measurement
- Consent and compliance documentation
- Security and fraud prevention
- Legal and contractual compliance
To submit a California privacy request, contact us at:
ivan@beringharbor.com
11. Other U.S. State Privacy Rights
Residents of certain U.S. states may have privacy rights under applicable state privacy laws. These may include the right to access, correct, delete, or obtain a copy of personal information, and the right to opt out of certain targeted advertising, sale, or profiling activities.
To exercise applicable rights, contact us at:
ivan@beringharbor.com
We will process requests as required by applicable law and may verify your identity before responding.
12. Children’s Privacy
Our 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 collected personal information from a child under 18, we will take reasonable steps to delete it.
13. International Users
Bering Harbor operates in the United States. If you access our website or services from outside the United States, your information may be transferred to, stored in, and processed in the United States.
By using our website or services, you understand that your information may be processed in the United States, where data protection laws may differ from those in your jurisdiction.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will update the Effective Date at the top of this page.
Your continued use of our website or services after changes are posted means you accept the updated Privacy Policy.
15. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, contact us at:
Bering Harbor LLC
Email: ivan@beringharbor.com
Website: https://beringharbor.com