Privacy
Policy

ABNORMAL RESERVE respects the privacy of everyone who visits this website. This policy explains what information we collect, how we use it, and the choices available to you.

Information we collect

This is a marketing website. We collect information in two ways:

• Information you provide directly. When you submit a form on this site, for example, to request a consultation, we collect the details you enter, which may include your name, email address, telephone number, and the content of your message.
• Information collected automatically. Like most websites, this site and the services that host it may record standard technical information such as your IP address, browser type, device type, and the pages you visit. This is used to keep the site working and secure, and to understand how it is used in aggregate.

We do not ask for, and you should not submit, sensitive information through this website, including Social Security numbers, financial account numbers, or detailed medical records. Please do not include such information in a form submission. We will collect what is needed for an application through secure channels once you and we decide to move forward.

How we use your information

• To respond to your inquiry and arrange a consultation.
• To communicate with you about products, services, or information you have asked about.
• To operate, maintain, and secure this website, including protecting it against spam and abuse.
• To comply with legal and regulatory obligations.

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

Sharing

We may share information with service providers who help us operate this website and our business, for example, the platform that hosts this site and delivers form submissions, and the insurance carriers and agencies involved in servicing a policy you apply for. Those providers are expected to handle your information in accordance with applicable law.

We may also disclose information where required by law, regulation, legal process, or a regulatory or licensing authority.

Cookies and similar technologies

This site may use cookies and similar technologies to keep the site functioning properly and to understand aggregate usage. You can control cookies through your browser settings. Disabling cookies may affect how parts of the site work.

Security

We take reasonable measures to protect the information you provide through this site. No method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security. Please use caution when submitting information online.

Your choices

You may contact us at any time to ask what information we hold about you, to request that we correct it, or to ask that we stop contacting you. Depending on where you live, you may have additional rights under applicable privacy law, including rights of access, correction, deletion, or restriction.

Children

This website is not directed to children, and we do not knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. When we do, we will revise the date at the top of this page. Continued use of the site after an update means you accept the revised policy.

Contact

Questions about this policy or about your information can be sent through our contact page. We are based in Sacramento, California, and serve clients with virtual consultations across the United States, subject to applicable licensing and product availability.

Not tax, legal, or investment advice

Nothing on this website constitutes tax, legal, or investment advice. ABNORMAL RESERVE and its founders are licensed life insurance professionals. We are not tax advisors, investment advisors, or fiduciaries, and we do not hold ourselves out as such. Please consult a qualified professional for advice specific to your situation.