How your information is collected, used, and protected.
Last updated: June 23, 2026
This website is operated by Bernz Bayabo, a licensed Financial Professional (NPN # 22079584, with additional state insurance licenses) based in Concord, California ("we," "us," "our"). This policy explains what personal information we collect through affordableburialandfinalexpense.com, how we use and share it, and the privacy rights available to residents of California and other U.S. states. By using this site or submitting our quote request form, you agree to this Privacy Policy.
When you complete our quote request form, we collect: your name, phone number, email address, ZIP code, age, gender, the coverage amount you are seeking, whether you use tobacco or nicotine, and your answers to a small number of general health questions used to identify which insurance product may fit you. We also record your consent to be contacted, including the text of the consent you agreed to and the date and time you submitted it.
When you visit the site, we and our service providers may automatically collect your IP address, browser and device type, the page you submitted from, the date and time of your visit, and similar technical data. We use cookies and tracking technologies (described in Section 6) to operate the site and measure advertising.
Some of the information above — such as tobacco use and your general health answers — may be considered sensitive personal information under California and other state laws. We collect it only to help match you with appropriate insurance products and to prepare your quote. You have the right to limit our use of this information, as described in Section 7.
By submitting the quote form and checking the consent box, you authorize Bernz Bayabo and his representatives to contact you at the phone number and email you provide — including by phone call, text message, and email, and including the use of automated dialing or texting technology and prerecorded or artificial voice messages — even if your number is on a state or federal Do Not Call list. Your consent is not a condition of purchasing any product. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, opt out of emails using the unsubscribe link, or ask us to add you to our internal Do Not Call list using the contact details in Section 11.
We do not sell your personal information for money. We share it only as follows:
We keep your information for as long as needed to provide you with quotes and services, to maintain our business and client relationship, and to meet legal, regulatory, and insurance recordkeeping requirements — including retaining consent records for as long as required to document your authorization. When information is no longer needed, we take reasonable steps to delete or de-identify it.
We use cookies and similar technologies to run the site and to measure the performance of our advertising. These may include the Meta (Facebook) Pixel, Google Analytics, and Google Ads tags. These tools may set cookies that help us understand how visitors use the site and whether our ads led to a form submission. You can control cookies through your browser settings, and you can opt out of interest-based advertising through the Digital Advertising Alliance (optout.aboutads.info), the Network Advertising Initiative (optout.networkadvertising.org), and your Google Ads settings.
If you are a California resident, you have the following rights regarding your personal information under the CCPA/CPRA:
Residents of other states with comprehensive privacy laws — including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others — may have similar rights to access, correct, delete, and opt out of targeted advertising or the sale of personal information. To exercise any privacy right, regardless of your state, contact us using the details in Section 11, or use our Do Not Sell or Share My Personal Information page. We will verify your request and honor the rights available to you under applicable law. You may also designate an authorized agent to make a request on your behalf.
We use reasonable administrative and technical measures to protect the information we collect. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
This site is intended for adults and is not directed to children. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, please contact us and we will delete it.
Our site may link to third-party websites or scheduling tools that we do not control and whose privacy practices are governed by their own policies. We may update this Privacy Policy from time to time; when we do, we will revise the "Last updated" date above. Your continued use of the site after changes are posted constitutes acceptance of the updated policy.
For any privacy question or to exercise your rights, contact:
Bernz Bayabo — Licensed Insurance Professional
NPN # 22079584 · Licensed in multiple states (list available upon request)
California
Email: bernz@bernzbayabo.com
Phone: (925) 979-5770