Privacy Policy . Terms . Use Case & Opt-In Disclosures

Last Updated: November 2025

VDM Consultant (“we,” “us,” or “our”) is committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, how we safeguard it, and your rights regarding your information. This policy applies to all visitors, clients, and users of our website and services.

VDM Consulting is an independent insurance brokerage affiliated with Family First Life, offering Indexed Universal Life insurance (IULs), mortgage protection policies, and annuity solutions.

We may collect the following types of information when you submit a form, request a quote, book an appointment, or communicate with us:

Personal Information

• Full name

• Phone number

• Email address

• Date of birth

• Address or location information

• Household information

• Employer or income details (for life insurance suitability)

Insurance & Financial Information

• Beneficiary information

• Health-related details required for underwriting

• Financial suitability information for annuities and IUL products

Automatically Collected Information

• IP address

• Browser and device information

• Cookies and usage data

We use personal information to:

• Provide insurance quotes and product recommendations

• Process applications for insurance and annuity products

• Determine suitability for IULs, mortgage protection, and annuities

• Communicate with you about your policy, appointments, or follow-ups

• Comply with state and federal insurance regulations

• Improve our website, services, and customer experience

We do not sell your personal information.

We may share your information only with:

• Family First Life (our IMO)

• Insurance carriers for underwriting (e.g., AIG, Mutual of Omaha, Americo, etc.)

• Regulatory bodies when required by law

• Third-party service providers used for secure communications, scheduling, or document signing (e.g., CRM systems, e-signature tools)

We do not share or sell your information for marketing outside of insurance-related purposes.

We implement appropriate technical and administrative safeguards, including:

• Encrypted communication channels

• Password-protected systems

• Restricted access to client files

• Secure document storage

• Compliance with HIPAA-related standards where applicable

However, no electronic system is 100% secure. We take reasonable steps to protect your information.

Depending on your state of residence, you may have rights to:

• Request access to the information we hold about you

• Correct inaccurate information

• Request deletion of your personal information (unless needed for legal or insurance purposes)

• Opt out of marketing communications

• Request explanation of how your data is used

To exercise any of these rights, contact us at the information below.

Our website may use cookies or similar tracking tools to:

• Improve user experience

• Analyze traffic and website performance

• Support appointment scheduling or contact forms

You can modify cookie settings through your browser at any time.

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

Our site may contain links to external websites (insurance carriers, scheduling tools, forms, etc.).
We are not responsible for their privacy practices or content.

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated revision date.

For questions about this Privacy Policy or to request access to your data, contact:

Victor Moore

(919) 348-9234

Victormoore@vdmconsultant.com

2500 Regency Parkway, Cary, NC, USA

VDM Consultant

Last Updated: November 2025

Welcome to VDM Consultant. By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree, please discontinue use immediately.

VDM Consultant provides insurance-related information and services, including life insurance, mortgage protection, indexed universal life (IUL) products, and annuity solutions. All services are offered through licensed agents affiliated with Family First Life.

Information on this website is for educational purposes only and does not constitute financial, tax, or legal advice.

Submission of your information does not guarantee approval for any insurance product. All applications are subject to underwriting requirements from partnered carriers.

By using this website, you agree to:

• Provide accurate and truthful information.
• Use the site only for lawful purposes.
• Not attempt to disrupt or misuse any website features.

By submitting your contact information, you consent to be contacted by VDM Consultant via phone, email, or SMS for insurance-related communications.

You may opt out at any time by replying STOP

Your personal information is handled in accordance with our Privacy Policy.
VDM Consultant does not sell or share your information outside of necessary insurance-related activities with licensed agents or carriers.

All website content—including text, images, graphics, and branding—is the property of VDM Consultant unless otherwise noted. You may not copy, reproduce, or distribute any content without written permission.

This website may include links to external websites. VDM Consultant is not responsible for the content, accuracy, or policies of third-party sites.

All website content is provided “as is” without warranties of any kind. VDM Consultant does not guarantee:

• Accuracy or completeness of information
• Uninterrupted or error-free website performance
• Availability of any products or services

VDM Consultant is not liable for any damages arising from:

• Use of this website
• Inability to access the website
• Reliance on any information provided

To the fullest extent permitted by law, liability is limited to the maximum amount allowed.

VDM Consultant may update these Terms & Conditions at any time. Changes take effect immediately upon posting. Continued use of the site indicates acceptance of the updated terms.

For questions regarding these Terms & Conditions, contact:

VDM Consultant

Email: Victormoore@vdmconsultant.com

Phone: (919) 348-9234

Use Case Description

VDM Consultant will use SMS messaging strictly for appointment-based communication related to insurance consultation services. Messages may include:

• Scheduling consultation appointments
• Confirmations of upcoming consultations
• Appointment reminders
• Rescheduling notifications

No marketing, promotional, or non-appointment messages will be sent through this campaign.

Users provide consent by checking the opt-in box on the form. The checkbox text reads:

“I agree to receive appointment-related text messages from VDM Consultant.”

This opt-in authorizes VDM Consultant to send SMS messages specifically related to insurance consultation appointments.

By opting in, the user agrees to receive text messages from VDM Consultant for the purpose of scheduling, confirming, and reminding them of insurance consultation appointments. Message frequency may vary. Message and data rates may apply.