Last updated November 02, 2026

Online Privacy Statement

This Online Privacy Statement is for Blue Oak International (U.S.) Consultant Inc. and its relevant subsidiaries, hereafter referred to as "Blue Oak," "the Firm," "we," "us," or "our."

1. Scope and Applicability
This Online Privacy Statement ("Statement") governs the data practices for this website and any digital platforms operated by Blue Oak International (U.S.) Consultant Inc. that link directly to this document (collectively, the "Online Services"). We recognize that maintaining the confidentiality and security of your personal information is a cornerstone of our relationship. This Statement outlines our protocols for the collection, utilization, and distribution of your data. Please be advised of the following exclusions and additions:
- This Statement does not extend to information gathered through offline channels or third-party applications and websites that may be linked via our Online Services.
- It does not apply to data that has been de-identified or rendered anonymous.
- Depending on the specific insurance products or consulting services you engage with, supplemental privacy policies—including those from third-party carriers—may take precedence.

Policy Revisions
We reserve the right to clarify or update this Statement periodically to reflect changes in our data maintenance and storage practices. Any modifications will be signaled by an updated "Effective Date" at the top of this document and shall become enforceable immediately upon posting.
2. Categories of Information Collected
Blue Oak gathers various data types for core business operations from the following primary channels:
A. Information Provided Voluntarily
We collect information you submit directly through our Online Services, including surveys, contact forms, and digital tools. This also includes data from entities you have authorized to share information with us to facilitate the acquisition or servicing of a Product. Specific instances of collection occur when you:
- Utilize financial calculators, retirement assessments, or resource tools.
- Submit applications for employment or use agent-locator functions.
- Register for newsletters or corporate communications.
- Engage with us via social media platforms (e.g., LinkedIn, Facebook) or public forums.
- Participate in promotional events, sweepstakes, or consumer surveys.
- Perform searches or otherwise submit feedback via our platforms.
Data points collected may include:
- Identifiers: Legal name, physical address, telephone number, email address, and other contact markers.
- Government Documents: Social Security numbers, tax IDs, driver’s licenses, or passport details.
- Professional/Financial: Employment history, educational background, banking details, credit card numbers, and account balances.
- Health/Demographic: Medical information, age, race, gender, marital status, and disability status.
- Security: Passwords, voiceprints, or other security credentials.
B. Automated Data Acquisition
We utilize "Data Technology"—including cookies, web beacons, and pixel tags—to automatically gather information as you navigate our services. This technology allows us to access data across our sites and those of our Advertising Partners.
Automated data may include:
- IP addresses and associated activity logs.
- Browser specifications, operating systems, and Internet Service Provider (ISP) details.
- Date and time of access, and the URLs of websites visited immediately before or after our services.
- Interaction data, such as page views, features used, and responses to advertisements.
- Mobile-specific data, including unique device identifiers, settings, and geolocation (if authorized).
- Analytical inferences regarding your behavioral characteristics and preferences.
C. Monitoring and Interaction
Blue Oak and its third-party vendors may monitor and log user sessions on our websites and applications. This logging captures clicks, text entry, time spent on specific pages, and submitted communications to enhance security and user experience. If you utilize our chat functionalities, those conversations and any data entered therein are retained for business and marketing purposes.
D. Third-Party Sources
We may obtain data from external entities, including:
- Independent brokers and insurance agents representing the companies we work with.
- Credit reporting agencies to assist in fraud detection.
- Data brokers who provide demographic information to help us understand consumer trends.
3. Utilization of Information
We use the data we collect to drive our business operations through the following methods:
- Administration: Establishing Products, providing customer support, and evaluating eligibility for insurance or consulting services.
- Communication: Facilitating dialogue with the insurance companies we represent on your behalf.
- Marketing: Tailoring advertisements and content based on your browsing history across various platforms.
- Development: Researching and pricing new Products and testing the efficacy of our technological infrastructure.
- Legal & Security: Verifying identities, preventing fraudulent activity, and complying with all regulatory obligations.
- Reporting: Auditing transactions and interactions performed on our behalf.
4. Information Sharing and Disclosure
We may share your information with selected parties to support our business functions:
- Service Providers & Affiliates: We share data with corporate affiliates, payment processors, and contractors who perform essential services like reinsurance or medical underwriting.
- Transaction Entities: If you apply for a Product, information is shared with the specific insurers, reinsurers, and health professionals authorized in your application.
- Regulatory & Legal Authorities: We disclose data to law enforcement, government officials, or insurance regulators in response to legal processes (e.g., subpoenas) or to prevent harm and fraud.
- Social Media: Widgets on our site may allow social media providers to track your browsing activity even if you do not click the icons.
- Corporate Transitions: Data may be transferred during a merger, acquisition, or sale of business assets.
5. Consumer Rights and Choices
You have several avenues for managing your privacy:
- Opting Out: You may decline to provide information, though this may limit your access to certain Products or website features.
- Technical Controls: You can adjust browser or device settings to disable cookies, location services, or advertising identifiers.
- Marketing Emails: You may opt out of promotional emails via the "unsubscribe" link. Administrative or transactional messages will still be sent.
- Account Access: Users with online accounts can typically log in to review or correct their information.
- Do Not Track: We currently do not respond to "Do Not Track" signals.
Jurisdictional Notices
- California Residents: Under the CCPA, you may request access to, or deletion of, your personal information. You may also opt out of the "sale" or "sharing" of your data for behavioral marketing via our "Do Not Sell or Share My PI" link. Note that data regulated by GLBA, HIPAA, or FCRA is exempt from CCPA.
- Canadian Residents: You may have rights to request data correction or opt out of the sale of your personal information.
- Children: Our Online Services are not intended for individuals under the age of 13.
 
6. Security and Global Processing
Blue Oak employs administrative, physical, and technical safeguards to protect your data from unauthorized access or theft. Data is stored on our servers or those of our service providers and is restricted to authorized personnel. We and our partners may process or store your data outside of your country of residence.
7. Contact Information
For inquiries regarding this Statement or to file a Consumer Request, please contact our Privacy Officer by email at Privacy@blueoak.com.