Privacy Policy

Last updated: October 8, 2026

This Privacy Policy describes how Javier Ramirez Bermejo, doing business as Caber Life ("we," "us," or "our"), operating the Caber Drive and Caber Life Insurance brands, collects, uses, and shares information about you when you visit our websites (cars.caberlife.com, caberlife.com, planning.caberlife.com) or contact us.

1. Information We Collect

We may collect the following information when you fill out a form, call us, or interact with our websites:

• Full name
• Email address
• Phone number
• General location (city/state)
• Information about the vehicle or service you are interested in
• Credit profile information (only when voluntarily provided for financing inquiries)

We also automatically collect standard web data such as IP address, browser type, and pages visited through cookies and analytics tools.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries about vehicles, insurance, or financial services
• Reply to you by WhatsApp, phone, or email about your inquiry
• Connect you with partner dealerships, lenders, or licensed insurance professionals
• Improve our websites and services
• Comply with applicable laws and regulations

3. WhatsApp Messaging

The contact buttons and forms on our websites open a WhatsApp chat with Caber Life at (954) 805-2340, with your message pre-filled. Nothing is sent to us until you tap Send in WhatsApp. By sending us a message, you agree that we may reply to you on WhatsApp about your inquiry.

WhatsApp is a service operated by WhatsApp LLC (Meta), and your use of it is also subject to WhatsApp's own Terms of Service and Privacy Policy. Standard data rates from your mobile carrier may apply.

If you no longer want to hear from us, just reply STOP in the chat or tell us, and we will stop messaging you.

4. Sharing Your Information

We do not sell your personal information. We may share your information with:

• Partner dealerships in South Florida (for vehicle inquiries)
• Licensed insurance professionals and carriers (for insurance inquiries)
• Lending partners (for financing inquiries)
• Service providers who help us operate our business (e.g., WhatsApp, email providers)

All partners are required to handle your information in accordance with applicable privacy laws.

5. Cookies & Analytics

Our websites use cookies and analytics tools, including the Meta Pixel, to understand how visitors interact with our sites and to improve our advertising. You can disable cookies in your browser settings, though some features may not function properly.

6. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. You may request deletion of your data at any time by contacting us.

7. Your Rights

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

• Access the personal information we hold about you
• Request correction or deletion of your information
• Opt out of marketing communications

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

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Business: Caber Life (Javier Ramirez Bermejo, Sole Proprietor)
• Address: 1527 Tamarind Ct, Weston, Florida 33327
• Phone: (954) 805-2340