Privacy Policy

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Privacy Policy for Dividend Financial

Effective Date: 07/23/2023

At Dividend Financial, we value the privacy of our customers and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data when you interact with our website, products, and services. By using our services, you consent to the practices described in this policy.

1. Information We Collect:

We may collect the following types of personal information:

a. Personal Identification Information: Name, address, phone number, email address, date of birth, social security number, and other relevant identification data.

b. Financial Information: Bank account details, credit card information, income, and other financial details necessary for insurance applications and payment processing.

c. Health Information: Medical history, health condition, lifestyle habits, and other health-related information required for underwriting life insurance policies.

d. Website Usage Information: IP address, browser type, operating system, referral URLs, and other data collected through cookies and similar technologies when you visit our website.

2. How We Use Your Information:

a. Providing Services: We use your information to process life insurance applications, communicate with you, and deliver the insurance policies and services you request.

b. Personalization: We may use your information to personalize your experience with our services, offer relevant insurance products, and provide tailored recommendations.

c. Customer Support: Your information enables us to respond to your inquiries, provide customer support, and address any concerns you may have.

d. Marketing: With your consent, we may use your information to send promotional materials, newsletters, and updates about our products and services.

e. Legal Obligations: We may process your data to comply with applicable laws, regulations, and legal requirements.

f. Research and Analytics: We may use your data for research, analysis, and business intelligence to improve our services and operations.

3. How We Share Your Information:

a. Service Providers: We may share your information with trusted third-party service providers who assist us in delivering our services, such as underwriters, insurance carriers, payment processors, and IT support.

b. Legal Requirements: We may disclose your information in response to a valid legal request or when required by law, including to comply with court orders, government regulations, or to protect our rights or the safety of others.

c. Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity or owner as part of the transaction.

d. Aggregated and Anonymized Data: We may share aggregated and anonymized data for statistical analysis, research, or marketing purposes.

4. Your Choices and Rights:

a. Opt-Out: You can opt-out of receiving marketing communications from us by following the instructions in the emails we send or by contacting us directly.

b. Access and Correction: You have the right to access, correct, or update your personal information. If you believe that any of the information we hold is inaccurate or incomplete, please contact us to make the necessary changes.

c. Data Retention: We will retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, or as required by law.

5. Security:

We take reasonable precautions to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is entirely secure. We cannot guarantee the absolute security of your data.

6. Children's Privacy:

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children, and if we become aware that we have inadvertently gathered such data, we will take prompt steps to delete it.

7. Changes to this Privacy Policy:

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any significant changes through prominent notices on our website or via email.

8. Contact Us:

If you have any questions or concerns regarding this Privacy Policy or our data practices, please contact us at:

Dividend Financial

Address: Roanoke, VA

Email: jhaledividendfinancial@gmail.com

Phone: (540) 526-7225

By using our services, you signify your acceptance of this Privacy Policy. If you do not agree with the terms of this policy, please refrain from using our website and services.