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1. Information We Collect

We collect the following categories:

A. Contact Information

• Name

• Email

• Phone number

• Mailing address

B. Professional Information

• Licensing status

• Business affiliation

• Production data

C. Financial Application Information

When submitted through applications:

• Social Security numbers

• Beneficiary information

• Financial details

• Insurance application data

This data may be processed via Azure-hosted systems and industry-specific platforms such as OneHQ and SuranceBay.

D. Technical Information

• IP address

• Browser type

• Device type

• Pages visited

• Referring URLs

E. Marketing and Engagement Data

• Click behavior

• Email opens

• SMS engagement

• Call recordings

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2. Cookies and Tracking

We use:

• Cookies

• Pixels (including Meta/Facebook Pixel)

• Analytics tools

• Custom audience tools

• Lookalike modeling

We may use IP-based geolocation for regional targeting.

We do not use device fingerprinting.

California residents may opt out of sharing for cross-context behavioral advertising.

 

3. Automated Processing and Profiling

We use AI and automated systems to:

• Score leads

• Analyze engagement

• Prioritize outreach

• Evaluate call performance

• Improve marketing strategies

No solely automated decision results in denial of service without human review.

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4. How We Use Information

We use data to:

• Provide services

• Communicate with advisors and consumers

• Distribute leads

• Contract with carriers

• Comply with legal obligations

• Improve marketing effectiveness

• Prevent fraud

• Train staff

 

5. Financial Information Privacy (GLBA Notice)

Financial information collected in connection with insurance applications is:

• Shared with insurance carriers as required

• Protected through administrative, technical, and physical safeguards

• Retained as necessary for legal and compliance obligations

We do not sell financial information.

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6. Data Retention

We retain personal information as long as reasonably necessary to fulfill business, legal, regulatory, fraud prevention, compliance, and contractual obligations.

 

7. Data Sharing

We may share information with:

• Licensed financial professionals

• Insurance carriers

• CRM providers

• Cloud hosting providers

• Marketing platforms

• Compliance vendors

We do not sell personal information for monetary compensation.

We may share information for advertising purposes under applicable law.

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8. California Privacy Rights (CPRA)

California residents have the right to:

• Know what categories of data we collect

• Request deletion

• Correct inaccurate information

• Opt out of sharing for cross-context behavioral advertising

We honor Global Privacy Control signals where technically feasible.

A “Do Not Sell or Share My Personal Information” link must appear in the website footer.

 

9. Security

We implement reasonable administrative, technical, and physical safeguards to protect data.

No system is completely secure.

 

10. Call Recording and AI Review

Recorded calls may be:

• Stored

• Reviewed by staff

• Processed using AI tools

• Used for compliance and training

 

11. Children’s Privacy

We do not knowingly collect data from individuals under 18, except as required in insurance applications with proper authorization.