Privacy Policy

Information We Collect

Personal Information You Provide

We collect information that you voluntarily provide to us, including:

• Name, email address, phone number, and mailing address
• Financial information relevant to insurance planning
• Information about your insurance needs and goals
• Company name and business information (if applicable)

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and geographic location
• Browser type and version
• Pages visited and time spent on site
• Referring website addresses

How We Use Your Information

We use your information to:

• Provide insurance advisory services and consultations
• Respond to your inquiries and communicate with you
• Develop and recommend insurance strategies
• Process applications and maintain client relationships
• Comply with legal and regulatory requirements
• Improve our website and services

Information Sharing and Disclosure

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

• Insurance carriers and underwriters when necessary to obtain coverage
• Professional advisors (attorneys, accountants) with your consent
• Service providers who assist in our operations (subject to confidentiality agreements)
• Regulatory authorities when required by law

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes encryption, secure servers, and restricted access to sensitive data. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

You have the right to:

• Access and review the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt-out of marketing communications
• Object to certain processing of your information

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand user preferences. You can control cookie settings through your browser, though disabling cookies may affect website functionality.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to deletion, and the right to opt-out of the sale of personal information (which we do not engage in).

Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date.