Privacy Policy

Introduction

This Privacy Policy outlines the practices of Opulence Insurance & Annuities, Inc. (“OIA,” “Us”, “Our” or “Company”) regarding the collection, use, and disclosure of information that we receive through our website and during the provision of services in the state of Virginia. This Policy is designed to inform clients, prospective clients, third-party contractors, third-party service providers, and other parties who submit information on our website about their rights and our responsibilities concerning personal and sensitive information.  This Privacy Policy applies to all information collected through our website and any related services, sales, marketing, or events.

By accessing our website, submitting a request for a quote, submitting a form, sending an email and or otherwise contacting us, you acknowledge and agree to the terms outlined in this Privacy Policy and those outlined in your insurance policy and consent to the processing of your information in accordance with these terms and any terms you accept and acknowledge during the course of your interactions with OIA. This Policy may be updated from time to time to reflect changes in our practices or legal obligations. Your continued use of our services after any changes constitutes acceptance of such changes.

Information Collection

This Privacy Policy applies to information collected by OIA from:

  • Personal Information: We collect personal information that you voluntarily provide to us when you use our website. This may include your name, email address, phone number, and any other information you choose to provide.
  • Automated Information: When you visit our website, we may automatically collect information about your device and your usage of our site through cookies, log files, web beacons, and other tracking technologies. This information may include your IP address, browser type, operating system, referring URLs, device information, and browsing activities on our site.
  • Third-Party Information: We may receive information about you from third parties, such as social media platforms, when you interact with our content on those platforms or link your social media account to our website.
  • Clients and prospective clients who engage OIA for the provision of quotes and services;
  • Individuals who visit the OIA’s website and submit information via forms, email, social media or other electronic means;
  • Third party contractors and service providers with whom OIA interacts in the course of providing services;
  • Other parties who may submit information to OIA through various channels, including but not limited to, the website, email, and direct communication.

The information collected may include, but is not limited to, personal identification information (such as names, addresses, email addresses, and telephone numbers), information related to insurance policies, quotes, and any other information relevant to the provision of services or the administration of the OIA’s business operations.

By using our website, you consent to the collection and use of your information as described in this Privacy Policy.

Use of Information

The information collected by OIA from clients, prospective clients, and other parties who submit information through the OIA’s website or in the course of receiving services, including but not limited to personal data, contact details, quote information and insurance information, shall be used solely for the purpose of providing services related to insurance, communicating with clients, case management, and as required for compliance with applicable laws and regulations in Virginia. OIA may also use this information for internal purposes, such as auditing, data analysis, provision of other services as requested, offering other services and research to improve OIA’s services.

OIA may further utilize the information we collect for purposes not limited to:

  1. Improve and personalize your experience on our website;
  2. Understand how our website is used and identify any issues with its use;
  3. Communicate with you, including sending you information about products and services that may be of interest to you;
  4. Comply with legal obligations and protect the rights, property, or safety of our business, our users, or others.

OIA may share this information with third-party contractors and service providers who assist in the operation of OIA and the provision of services. These third parties are contractually prohibited from using your information for any purpose other than to perform the specific services OIA has contracted them for, and are required to maintain appropriate security measures to protect your information in accordance with applicable laws and regulations.

Any other use of information will be based on the consent of the individual concerned or as required by law. OIA commits to protecting the privacy and confidentiality of all personal data in accordance with applicable privacy laws and the professional ethical obligations of legal confidentiality in Virginia.

Sharing of Information

OIA may share information it collects under the following circumstances:

    • With client consent for the purpose of services.
    • With third party contractors and service providers who assist in the operation of the OIA’s business, such as IT support, marketing, and data analysis, under strict confidentiality agreements.
    • With the service providers that provide the platforms that OIA utilize for operations.
    • With other brokers for the provision of insurance services and quotes.
    • For potential referrals to other insurance agencies for the provision of services.
    • To the extent necessary for marketing purposes and to provide information about OIA’s services and affiliate services, subject to your marketing preferences and any applicable opt-out rights under Virginia law.
    • As required by law, such as in response to a subpoena or other legal process.
    • To protect the rights, property, or safety of the OIA, its clients, or the public.
    • In connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the business conducted by the OIA.
  • With service providers who perform services on our behalf;
  • With third parties with whom we have partnerships or agreements for the provision of services to you;
  • To service providers and partners who assist us in operating our website, conducting our business, or serving our users,
  • In response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, regulation, or legal process;
  • If we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property, and safety of our business or others.
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
  • We also reserve the right to share aggregated or anonymized data with third parties for any purpose. However, such data will not include your Personal Information.

Your Choices: You have certain choices regarding the information you provide to us and how we use it. These include:

    1. Modifying your browser settings to refuse cookies or to indicate when a cookie is being sent;
    2. Opting out of receiving promotional communications from us by following the unsubscribe instructions provided in those communications.

Except as provided above, the OIA will not share personal information with any third party without prior consent.

By using our website, you consent to the sharing and disclosure of Your Information as described in this clause.

This policy is subject to change at our discretion.

Collection and Use of Google Analytics Information

Data Collection. The Company may utilize Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect and analyze information about how users interact with the Company’s website and services. This information is collected through the use of cookies and similar technologies.

Types of Information Collected. The information collected through Google Analytics may include, but is not limited to:
(a) IP addresses;
(b) Browser types and versions;
(c) Device information;
(d) Operating system;
(e) Date and time of visits;
(f) Time spent on pages;
(g) Referring websites;
(h) Click patterns; and
(i) Other similar information about user interactions with the website.

Purpose of Collection. The Company collects and uses this information for the following purposes:
(a) To analyze website traffic and user behavior;
(b) To improve the user experience on the website;
(c) To optimize marketing efforts; and
(d) To enhance the overall functionality and performance of the website.

Data Processing and Storage. All data collected through Google Analytics is processed and stored in accordance with Google’s terms of service and privacy policy, as well as applicable Virginia privacy laws.

User Consent. By using the Company’s website, users consent to the collection and use of their information as described in this clause. Users may withdraw their consent at any time by adjusting their browser settings or using opt-out tools provided by Google.

Data Sharing. The Company does not share personally identifiable information collected through Google Analytics with third parties, except as required by law or with user consent.

User Rights. Users have the right to:
(a) Access their personal information;
(b) Request correction of inaccurate information;
(c) Request deletion of their information; and
(d) Opt-out of certain data collection practices – you may disable cookies on our website to opt out of collection of this information.

Data Retention. The Company retains Google Analytics data in accordance with the Google Analytics retention periods, after which it is automatically deleted, unless a longer retention period is required by law.

Security Measures. The Company implements appropriate technical and organizational measures to protect the information collected through Google Analytics from unauthorized access, disclosure, alteration, or destruction.

We may also allow third parties to use tracking technologies on our website for purposes such as analyzing how users use our site, measuring advertisement effectiveness, and serving advertisements targeted to your interests. These third parties may collect information about your online activities over time and across different websites when you use our website.

For more information on how you can manage your preferences regarding cookies and other tracking technologies, please see our Cookie Policy.

Third Party Links and Services

Our website may contain links to third-party websites, applications, and services not operated by us. These links are provided for your convenience and do not signify our endorsement of such third-party websites or their content. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

This Privacy Policy does not apply to third-party websites, services, or applications, even if they are accessible through our website. OIA does not endorse or make any representations about third-party websites, services, or applications. When you click on links that take you to external websites, you will be subject to the privacy policies of those external sites, not ours. We encourage you to read the privacy policies of any website you visit before providing any personal information.

Furthermore, OIA may use third-party service providers to assist in providing services to our clients, including but not limited to data processing, portal access, subscription services, document review, and legal research. These third-party service providers are required to maintain the confidentiality of any personal information they process on our behalf and are prohibited from using the information for any purpose other than to provide services to OIA or as otherwise required by law.  If there is use of your information by a third party contractor outside of what is described herein, notify OIA immediately.

Please note that service providers only have access to your personal information to perform the tasks we have assigned to them, and they are obligated not to disclose or use it for any other purpose.  Some third party service providers may track your online behavior over time and across different internet websites or online services.  However, we do not have control over their data collection practices or the use of your personal information.  Therefore, we encourage you to review their privacy policies before consenting to the use of their services on their website.

We may use some of the following but not limited to third party service providers:

Google

Calendly

Ezlynx

Authorize.net

Dropbox

Stripe

We encourage you to be aware when you leave our site and to read the privacy policies of each website that collects personal information. This clause does not apply to the collection and use of your information by these third-party sites and services. It is your responsibility to review and understand the privacy practices and policies of these third parties before providing them with any information.

Data Security

OIA is committed to protecting the confidentiality and security of information it collects, receives, maintains, or transmits on behalf of its Clients, Prospective Clients, and other parties who submit information through the OIA’s website. In compliance with applicable Virginia laws and regulations, the

We implement a variety of security measures to maintain the safety of your Personal Information, Automated Information, and Third-Party Information when you enter, submit, or access your personal information on our website.

We use commercially reasonable physical, technical, and administrative security measures designed to protect Your Information from unauthorized access, use, alteration, and disclosure. However, no internet or email transmission is ever fully secure or error-free. Therefore, while we strive to use commercially acceptable means to protect Your Information, we cannot guarantee its absolute security.

OIA implements and maintains comprehensive written information security programs and measures designed to:

  • Ensure the security and confidentiality of client information;
  • Protect against any anticipated threats or hazards to the security or integrity of such information;
  • Protect against unauthorized access to or use of such information that could result in substantial harm or inconvenience to any client;
  • Ensure the secure disposal of any personal information in accordance with applicable legal and regulatory guidelines.

OIA’s security measures include, but are not limited to, the use of physical, electronic, and procedural safeguards to protect personal information.   OIA further ensures the confidentiality and security of collected information by restricting access to such data exclusively to OIA personnel and contractors directly involved in the operations and the provision of insurance services. Access is strictly limited to the information necessary to perform their designated tasks. To safeguard the integrity and privacy of this data, OIA employs encryption standards, commensurate with industry best practices, to protect information during transmission and storage. These encryption protocols serve as a fundamental barrier against unauthorized access, ensuring that personal information remains secure and confidential at all times. These measures are regularly reviewed and updated to account for new threats and changes in technology.

Any Third Party Contractors or Third Party Service Providers engaged by OIA are required to adhere to comparable security measures and are obligated to maintain the confidentiality and security of any information to which they are provided access.

We encourage you to take steps to protect the security of your personal information as well. This includes using unique passwords for our website that you do not use for other online accounts, being aware of phishing emails that try to trick you into providing personal information, and using secure networks to access our website.

By submitting information to OIA, whether as a Client, Prospective Client, or through any other means, individuals acknowledge and consent to the OIA’s use and disclosure of such information in accordance with OIA’s Privacy Policy.

Client Rights

This Privacy Policy outlines the rights of Customers (“You”) regarding the collection, use, and protection of personal information by OIA under Virginia law and specifically, the Virginia Consumer Data Protection Act (VCDPA), as well as any other applicable state and federal privacy laws. You have the right to:

  1. Be informed about the personal information OIA collects about you and how it is used and shared.
  2. Access and request a copy of the personal information OIA holds about you.
  3. Request that OIA correct any inaccurate personal information about you.
  4. Request that OIA delete personal information about you, subject to OIA’s legal obligations to retain certain information.
  5. Opt-out of certain uses and sharing of your personal information, where applicable.
  6. Receive your personal information in a format that is portable and usable, to the extent technically and reasonably feasible.
  7. Object to the processing of your personal information in certain circumstances.
  8. Lodge a complaint with the relevant supervisory authority if you believe your privacy rights have been violated.

OIA is committed to protecting your privacy and ensuring that your personal information is collected and used in compliance with applicable laws and regulations. If you have any questions or concerns about your rights or OIA’s privacy practices, please contact OIA’s designated Privacy Officer.

Third Party Contractors

This Privacy Policy outlines how OIA may share personal information collected from clients, prospective clients, and other parties who submit information through the website with third-party contractors. Third-party contractors are engaged by OIA to perform services on its behalf, including but not limited to administrative support, technical services, other professional services, and analytics.

Third-party contractors are bound by confidentiality to protect the privacy and security of your personal information. These agreements require third-party contractors to use personal information solely for the purpose of providing the specified services to OIA and prohibit them from sharing your information with any other parties without your explicit consent.

In the event of a data breach involving a third-party contractor, OIA will take immediate steps to mitigate the impact on your personal information and will notify you in accordance with applicable Virginia law and federal regulations, unless law enforcement or national security requires delayed notification.

International Data Transfers

In compliance with applicable data protection laws, Independent Insurance Agency may transfer Your Information, including Personal Information, Automated Information, and Third-Party Information, across borders from your country or jurisdiction to other countries or jurisdictions around the world. Whenever we transfer Your Information internationally, we will take legally required steps to ensure that adequate safeguards are in place to protect Your Information and to ensure that it is treated securely and in accordance with this Privacy Policy.

These international transfers of Your Information may be necessary for the performance of a contract between you (the Website User) and Independent Insurance Agency, for the implementation of pre-contractual measures taken at your request, or for the purposes of the legitimate interests pursued by Independent Insurance Agency, except where such interests are overridden by the interests or fundamental rights and freedoms of the Website User which require protection of Personal Information.

You acknowledge and agree that by providing Your Information to Independent Insurance Agency through the use of our website, you consent to the international transfer of Your Information for the purposes described above.

Amendments to the Policy

OIA reserves the right to amend this Privacy Policy at any time, at its sole discretion, to reflect changes in the law, our data collection and use practices, the features of our services, or advances in technology. When we make changes to this Privacy Policy, we will post the updated policy on our website and update the Privacy Policy effective date. Your continued use of our services after we post the updated policy constitutes your acceptance of the changes. If you do not agree to the changes, you must stop using our services immediately.

It is your responsibility to regularly check our website for updates to this Privacy Policy. We may also, at our discretion, decide to notify clients and other affected parties of significant changes by sending an email or otherwise directly communicating with you. Your continued use of our services following any changes to this Privacy Policy constitutes your acceptance of such changes regardless of whether or not we send an email or other notification.

Contact Information

For any inquiries, requests, or concerns regarding our privacy policy or practices, please contact Opulence Insurance & Annuities, Inc at the following:

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