Privacy Policy

1. Introduction

Liquid Legacy Financial ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with us in any way.

Please read this Privacy Policy carefully. By using our Services, you consent to the practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. Information We Collect

Personal Information You Provide

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

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income, assets, debts, financial goals (for insurance consultations)
• Health Information: Medical history, health conditions (for insurance applications)
• Demographic Information: Age, date of birth, gender, marital status, number of dependents
• Employment Information: Occupation, employer, business ownership details
• Insurance History: Existing policies, coverage amounts, beneficiary information

Information Collected Automatically

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click patterns, referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies

3. How We Use Your Information

We use the information we collect for various purposes:

• To provide and maintain our insurance brokerage services
• To process insurance applications on your behalf
• To communicate with you about our services, quotes, and policy information
• To respond to your inquiries and provide customer support
• To send you marketing communications (with your consent)
• To improve our website and services
• To comply with legal obligations and regulatory requirements
• To protect against fraud and unauthorized transactions
• To analyze usage patterns and optimize user experience

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

Insurance Carriers and Partners

We share necessary information with insurance companies to obtain quotes and process applications on your behalf. This is essential to providing our services.

Service Providers

We may share information with third-party vendors who perform services on our behalf, such as:

• Website hosting and maintenance
• Email and communication services
• Analytics and marketing platforms
• Customer relationship management systems

Legal Requirements

We may disclose information when required by law, court order, or governmental regulation, or when necessary to protect our rights, property, or safety.

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website:

You can control cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Employee training on data protection
• Limited access to personal information on a need-to-know basis

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce our agreements
• Maintain records required by insurance regulations

Insurance-related records may be retained for extended periods as required by state and federal regulations.

8. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal exceptions)
• Opt-Out: Opt out of marketing communications at any time
• Portability: Request transfer of your data in a machine-readable format
• Objection: Object to certain processing of your personal information

To exercise these rights, please contact us using the information provided below.

9. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your CCPA rights

To submit a CCPA request, please contact us at kgreen@liquidlegacyfinancial.com or call (203) 609-6367.

10. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: