Who we are
Our website address is: https://richeyinsurancesolutions.com
Effective Date: 10/1/2024
Introduction
At Richey Insurance Solutions, we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines the types of data we collect, how we use it, and how we safeguard it in accordance with applicable privacy laws and regulations, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
1. Information We Collect
We may collect personal information from you in various ways, including when you visit our website, sign up for a consultation, or use our services. The types of information we collect include:
A. Personal Information You Provide
- Contact Information: Name, email address, phone number, mailing address
- Financial Information: Data necessary for financial assessments and cash flow optimization (only if explicitly provided by you)
- Account Information: Username and password for logging into your account (if applicable)
B. Automatically Collected Information
Analytics Data: We use third-party analytics tools, such as Google Analytics, to understand website traffic and usage.
2. How We Use Your Information
We use the information we collect for the following purposes:
To Comply with Legal Obligations: We may process your information to comply with applicable laws and regulations or respond to lawful requests.
To Provide Services: To schedule consultations, manage your account, and offer personalized financial coaching and strategies (including Infinite Banking and cash flow optimization using Currence).
To Communicate with You: To respond to your inquiries, send newsletters (if subscribed), and notify you about updates or changes to our services.
To Improve Our Website: We use cookies and analytics tools to monitor website performance, enhance user experience, and optimize our content and services.
3. Sharing Your Information
We respect your privacy and do not sell or rent your personal information to third parties. However, we may share your information with:
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.
Service Providers: We may work with third-party service providers, such as website hosting services, email platforms, or analytics providers, to support our operations. These service providers are only allowed to use your data to provide the specific services we’ve requested.
Legal Compliance: If required by law or in response to a valid request from law enforcement or a government agency, we may disclose your personal information.
4. Data Retention
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. If you wish to delete or update your information, you can contact us directly at RicheyInsuranceSolutions@gmail.com
5. Your Privacy Rights
Depending on your location and the applicable privacy laws, you may have the following rights regarding your personal data:
A. GDPR (General Data Protection Regulation) Rights (For EU Residents)
- Right to Access: You have the right to request a copy of the personal data we hold about you.
- Right to Rectification: You can request that we correct any inaccurate or incomplete information.
- Right to Erasure (“Right to be Forgotten”): You can ask us to delete your personal data under certain circumstances.
- Right to Data Portability: You have the right to request that we transfer your personal data to another controller.
- Right to Object/Restrict Processing: You can request that we stop processing or restrict the processing of your personal data in certain cases.
B. CCPA (California Consumer Privacy Act) Rights (For California Residents)
- Right to Know: You have the right to know what personal information we collect and how it is used.
- Right to Delete: You can request that we delete any personal information we’ve collected (subject to certain exceptions).
- Right to Opt-Out of Sale: Though we do not sell your personal information, you can request to opt-out of any future data sharing if applicable.
To exercise any of these rights, please contact us at RicheyInsuranceSolutions@gmail.com.
6. Data Security
We take data security seriously and implement a variety of security measures to protect your personal information. This includes encryption, secure access controls, and regular security audits. However, please note that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee its absolute security.
7. Cookies and Tracking Technologies
Our website uses cookies to enhance your browsing experience and provide personalized content. Cookies are small files stored on your device that help us remember certain information. You can choose to disable cookies through your browser settings, but this may limit your ability to use some features of our website.
8. Third-Party Links
Our website may contain links to third-party websites, such as Currence or financial tools. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party websites you visit.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Any updates will be posted on this page, and the effective date will be revised accordingly. We encourage you to review this Privacy Policy periodically.
10. Contact Us
If you have any questions about this Privacy Policy or your personal data, please contact us at:
Richey Insurance Solutions
RicheyInsuranceSolutions@gmail.com
1196 Rothwell lane, Roseville CA 95747
11. Consent
By using our website and services, you consent to the terms of this Privacy Policy.