Privacy Policy

Effective Date: April 29, 2026 Last Updated: April 29, 2026

This Privacy Policy describes how Gerard Muhammad Insurance ("we," "us," "our," or "Gerard Muhammad Insurance") collects, uses, and shares information about you when you visit our website, request a final expense insurance quote, submit a form, schedule a call, or otherwise interact with us.

By using this website or providing your information through any of our forms, you agree to this Privacy Policy.

1. Who We Are

Gerard Muhammad Insurance is the brand name under which Direct to You Services LLC, a California limited liability company, operates its insurance brokerage services. Gerard Muhammad is the principal agent — an independent licensed insurance agent in the State of California (License #4247744, NPN #20548486).

We are not an insurance carrier. We act as a licensed insurance agent who helps consumers compare and apply for insurance products issued by third-party insurance companies.

References to "Gerard Muhammad Insurance," "we," "us," or "our" in this Privacy Policy refer to Direct to You Services LLC and its insurance brokerage operations under the Gerard Muhammad Insurance brand.

Mailing Address: Direct to You Services LLC 12564 Central Ave, Unit A, #751 Chino, CA 91708

Contact:

2. Information We Collect

We collect information you voluntarily provide to us, as well as information collected automatically when you visit our website.

2.1 Information You Provide

When you submit a quote request, schedule a call, or contact us, we may collect:
  • Full name
  • Phone number
  • Email address
  • Postal code (ZIP code)
  • State of residence
  • Age range
  • Health-related information you choose to share during a call
  • Any other information you provide in messages, forms, or conversations

2.2 Information Collected Automatically

When you visit our website, we automatically collect:
  • IP address
  • Browser type and version
  • Device type (desktop, mobile, tablet)
  • Operating system
  • Referring URL
  • Pages viewed and time on site
  • Cookies and similar tracking technologies (see Section 7)

2.3 Information from Third Parties

We may receive information about you from advertising partners (e.g., Meta/Facebook, Google), insurance carriers we work with, and lead-generation partners.

3. How We Use Your Information

We use the information we collect to:

  • Provide insurance quotes and recommendations
  • Contact you by phone, SMS text message, or email about your inquiry
  • Schedule and confirm appointments
  • Submit insurance applications on your behalf, with your authorization
  • Comply with legal obligations and respond to lawful requests
  • Improve our website and marketing
  • Prevent fraud and protect against unauthorized access

4. SMS / Text Message Consent (TCPA)

By submitting a form on this website or providing your phone number, you expressly consent to receive calls, text messages (SMS/MMS), and emails from Gerard Muhammad Insurance and our authorized agents at the phone number(s) and email address(es) you provided. Consent is not a condition of purchase.

Message and data rates may apply. Message frequency varies. You can opt out at any time by replying STOP to any text message. For help, reply HELP. Carriers are not liable for delayed or undelivered messages.

For more information, contact [email protected].

5. Phone Calls (TCPA)

By providing your phone number, you also consent to receive autodialed and pre-recorded telephone calls from Gerard Muhammad Insurance regarding your insurance inquiry. You can revoke consent at any time by asking the agent on a call to remove you, or by emailing [email protected].

6. Email Marketing

If you provide your email address, you may receive emails from us about insurance products, quote follow-ups, educational content, and our services. You can unsubscribe at any time by clicking the "unsubscribe" link in any email or by emailing [email protected].

7. Cookies and Tracking Technologies

We use cookies, web beacons, pixel tags, and similar technologies to:

  • Remember your preferences
  • Understand how visitors use our website
  • Measure the effectiveness of advertising campaigns
  • Deliver targeted advertising on platforms like Facebook, Instagram, and Google

We use the Meta (Facebook) Pixel to track conversions and improve ad targeting. The Meta Pixel collects data such as page visits, form submissions, and appointment bookings. You can manage Meta ad preferences at https://www.facebook.com/adpreferences/.

You can disable cookies in your browser settings, but doing so may affect website functionality.

8. How We Share Your Information

We share your information only as described below. We do not sell your personal information.

8.1 With Insurance Carriers

With your authorization, we share your information with insurance carriers (such as Mutual of Omaha, Foresters, Fidelity & Guaranty, Banner Life, Transamerica, and others) to obtain quotes and submit applications.

8.2 With Service Providers

We use third-party service providers to operate our business, including:
  • Customer relationship management (CRM) software (HighLevel)
  • Email and SMS delivery providers
  • Web hosting providers
  • Analytics providers (e.g., Google Analytics, Meta Pixel)

These providers are contractually obligated to protect your information.

8.3 For Legal Reasons

We may disclose information if required by law, court order, or to protect our rights, your safety, or the safety of others.

8.4 Business Transfers

If Direct to You Services LLC is involved in a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

9. Data Security

We use commercially reasonable physical, technical, and administrative safeguards to protect your information. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

10. Data Retention

We retain your information for as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Insurance application records are typically retained for 7 years to comply with state insurance regulations.

11. Your Rights

11.1 California Residents (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

  • Right to Know: Request the categories and specific pieces of personal information we have collected about you.
  • Right to Delete: Request deletion of your personal information.
  • Right to Correct: Request correction of inaccurate personal information.
  • Right to Opt-Out: Opt out of the "sale" or "sharing" of your personal information. Note: We do not sell your personal information.
  • Right to Limit Use of Sensitive Personal Information: Limit our use of sensitive personal information to what is necessary to provide services.
  • Right to Non-Discrimination: Not be discriminated against for exercising these rights.

To exercise any of these rights, email [email protected] or call +1 (909) 325-7815. We will respond within 45 days as required by law.

11.2 All Users

You may also:
  • Update or correct your information by emailing us
  • Request a copy of your information
  • Withdraw consent for marketing communications

12. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, contact [email protected] and we will delete it.

13. Third-Party Links

Our website may contain links to third-party websites (e.g., insurance carriers, NIPR license verification). We are not responsible for the privacy practices of those websites. Please review their privacy policies separately.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. Material changes will be posted prominently on the website. Continued use of the website after changes constitutes acceptance of the updated policy.

15. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact:

Gerard Muhammad Insurance Direct to You Services LLC 12564 Central Ave, Unit A, #751 Chino, CA 91708 Email: [email protected] Phone: +1 (909) 325-7815

Insurance products offered through Gerard Muhammad Insurance, a brand of Direct to You Services LLC. Gerard Muhammad is an independent licensed insurance agent in the State of California (License #4247744, NPN #20548486). Policies issued by third-party insurance carriers. Coverage subject to underwriting approval.