Legal & Privacy Policy

Effective date: August 29, 2026

Manges Financial respects your privacy. This page explains how information may be collected, used, shared, and protected when someone visits this website, submits a quote request, calls, or interacts with this site.

Information We Collect

When someone uses this website or submits a quote request, Manges Financial may collect:

  • Name
  • Phone number
  • Email address
  • State
  • Age
  • Mortgage balance range
  • Quote request details
  • Information submitted through forms on this website
  • IP address, browser information, device information, referral source, website activity, and advertising or analytics data

How Information Is Used

Manges Financial may use submitted information to:

  • Respond to quote requests and questions
  • Help review mortgage protection and life insurance options
  • Connect the visitor with a licensed insurance professional
  • Follow up by phone, text message, or email
  • Improve the website, quote process, reporting, and user experience
  • Measure advertising performance
  • Prevent fraud, spam, and misuse
  • Maintain records and comply with legal or regulatory obligations

How Information May Be Shared

Information may be shared with licensed insurance agents, insurance partners, carriers, CRM providers, call and text providers, website hosting providers, analytics tools, advertising platforms, Zapier or similar automation tools, and other service providers that help operate the lead-generation and follow-up process.

Manges Financial does not sell personal information.

Calls, Texts, and Email Follow-Up

By submitting a form on this website, the visitor authorizes Manges Financial and/or licensed insurance professionals working with Manges Financial to contact them about mortgage protection and life insurance options by phone, text message, and email.

Consent is not a condition of purchase. Message and data rates may apply. The visitor may opt out of text messages by replying STOP and may request no further contact.

Cookies, Pixels, and Tracking

This website may use cookies, pixels, Google Ads conversion tracking, analytics tools, and similar technologies to measure traffic, understand advertising performance, improve the site, and support lead follow-up.

Data Security

Manges Financial uses reasonable administrative, technical, and organizational safeguards designed to help protect collected information. No website, transmission method, or storage system can be guaranteed to be completely secure.

Data Retention

Information may be kept for as long as reasonably needed to respond to quote requests, provide follow-up, operate the business, comply with legal or regulatory requirements, prevent fraud, and maintain appropriate records.

Insurance Product Disclosure

Manges Financial may help visitors review mortgage protection and life insurance options from licensed insurance carriers. Insurance products are issued by licensed insurance carriers.

Coverage options, premiums, approval, coverage amounts, riders, policy terms, no-medical-exam eligibility, same-day approval, and product availability depend on carrier underwriting, state availability, application answers, age, health, and policy terms.

Submitting a form does not guarantee approval, a specific premium, a specific coverage amount, same-day approval, no-medical-exam eligibility, or availability of any specific product.

Mortgage Protection Disclosure

Mortgage protection is generally life insurance used to help beneficiaries protect or pay for the home if the insured person passes away. The death benefit may be used by the beneficiary for the mortgage, bills, debts, income replacement, final expenses, or other needs.

Mortgage protection is not the same as PMI. PMI, or private mortgage insurance, generally protects the lender if a borrower stops making mortgage payments. Mortgage protection is intended to help the insured person's beneficiaries.

No-Medical-Exam Disclosure

No-medical-exam options may be available for some applicants. Even when no exam is required, carriers may still review application answers, prescription history, medical records, consumer reports, databases, and other underwriting information.

Same-Day Approval Disclosure

Same-day approval may be available for some applicants and some products. Approval timing depends on the carrier, product, application information, and underwriting review.

Third-Party Services

This website may use third-party tools and services for forms, calls, texting, CRM delivery, Zapier workflows, hosting, analytics, advertising, and reporting. Third-party services may have their own terms and privacy practices.

No Financial, Tax, Legal, or Investment Advice

Content on this website is for general informational purposes. It is not legal, tax, investment, financial, or insurance advice for any specific person or situation.

Children and Minors

This website is intended for adults. It is not directed to children under 18, and Manges Financial does not knowingly collect personal information from children under 18.

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