Privacy Policy

1Introduction

Welcome to WealthSecure Insights. We operate as a comprehensive financial guidance practice, providing specialized services through our divisions:

• WealthSecure Life: Life insurance guidance and solutions
• WealthSecure Funding: Business funding consultation and matching services

This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website at wealthsecureinsights.com or use our services. We are committed to protecting your privacy and handling your personal information with care and transparency.

By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our website or services.

2Information We Collect

We collect several types of information from and about users of our website and services:

Information You Provide to Us

• Contact Information: Name, email address, phone number, and mailing address
• Demographic and Qualification Data: Information collected through our surveys and forms, including:
  • Time in business and annual revenue (for business funding)
  • Personal and financial information relevant to insurance needs
  • Specific funding or insurance requirements and preferences
• Communication Data: Information you provide when contacting us via email, phone, contact forms, or during consultations
• Survey Responses: Detailed responses to our assessment questionnaires for life insurance and business funding

Information We Collect Automatically

• Usage Data: Details about how you use our website, including pages visited, time spent on pages, and interaction with embedded videos and content
• Technical Data: Your IP address, browser type and version, operating system, device information, and referring website
• Location Data: General geographic location derived from your IP address
• Cookies and Tracking Data: Information collected through cookies, web beacons, and similar tracking technologies

3How We Collect Your Information

We collect information through various methods:

Directly From You

• When you fill out forms on our website
• When you complete surveys or assessments in our CRM system
• When you contact us directly via email, phone, or contact forms
• During consultations and service interactions
• When you subscribe to our newsletter or marketing communications

Through Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your user experience and analyze website traffic. We may use services like Google Analytics to understand how visitors interact with our website.

Through Third-Party Services

• HubSpot: As our Customer Relationship Management (CRM) platform, HubSpot collects and manages data submitted through our forms and tracks user activity on our website
• Ethos: When you use our co-branded links to seek life insurance quotes, Ethos collects information necessary to provide insurance quotes and services
• National Business Capital (NBC): When you use our co-branded links for business funding, NBC collects information required for funding applications and services

4Why We Collect Your Information

We collect and use your personal information for the following purposes:

To Provide Our Services

• Respond to your inquiries and requests for information
• Schedule and conduct consultations
• Connect you with appropriate life insurance or business funding solutions
• Facilitate applications and quotes through our partner networks
• Provide ongoing support and follow-up services

To Personalize Your Experience

• Tailor content and communications based on your interests and needs
• Customize our website experience for your preferences
• Provide relevant recommendations and solutions

For Marketing and Communication Purposes

• Send you relevant information about our services (with your consent)
• Share new blog posts, educational content, and industry insights
• Notify you about promotions or new service offerings
• Conduct market research and gather feedback

To Improve Our Website and Services

• Analyze user behavior and website performance
• Understand which content is most valuable to our visitors
• Optimize website functionality and user experience
• Develop new services and improve existing ones

For Legal and Security Purposes

• Comply with legal obligations and regulatory requirements
• Protect against fraudulent activity and security threats
• Enforce our terms of service and other agreements
• Protect our rights, property, and safety, as well as that of our users

5How We Share Your Information

We are committed to protecting your privacy and do not sell your personal information. We may share your information in the following circumstances:

With Your Consent

We will share your information with our trusted partners when you use our services:

• Ethos: When you use our co-branded links to seek life insurance quotes, we share necessary information to facilitate your application and provide you with personalized insurance solutions
• National Business Capital (NBC): When you use our co-branded links for business funding applications, we share relevant information to help you access appropriate funding options

With Service Providers

We may share information with third-party service providers who help us operate our business, including:

• HubSpot: For customer relationship management, email marketing, and website analytics
• Web hosting providers: To maintain and operate our website
• Analytics services: To understand website usage and improve our services
• Email service providers: To deliver communications and newsletters

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

For Legal Reasons

We may disclose your information if required by law or if we believe such action is necessary to:

• Comply with legal processes, court orders, or government requests
• Enforce our terms of service or other agreements
• Protect our rights, property, or safety, or that of our users or the public
• Investigate or prevent illegal activities or security breaches

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

6Your Rights and Choices

You have several rights regarding your personal information:

Access and Correction

You have the right to:

• Request access to the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Request a copy of your personal information in a portable format

Marketing Communications

You can control marketing communications by:

• Unsubscribing from marketing emails using the link provided in each email
• Contacting us directly to opt out of marketing communications
• Updating your communication preferences in your account settings

Cookies and Tracking

You can manage cookies and tracking technologies by:

• Adjusting your browser settings to refuse or delete cookies
• Using browser privacy modes or extensions
• Opting out of Google Analytics tracking

Data Deletion

You may request deletion of your personal information, subject to certain legal and business requirements. We will respond to deletion requests within a reasonable timeframe and in accordance with applicable laws.

Do Not Track

Our website does not currently respond to "Do Not Track" signals from browsers. However, you can control tracking through your browser settings and privacy preferences.

7Data Security

We take the security of your personal information seriously and implement appropriate technical, administrative, and physical safeguards to protect your data against unauthorized access, loss, misuse, or alteration.

Security Measures Include:

• Encryption: We use SSL/TLS encryption to protect data transmitted between your browser and our website
• Secure Hosting: Our website and data are hosted on secure, professionally managed servers
• Access Controls: We limit access to personal information to authorized personnel who need it for business purposes
• Third-Party Security: We work with reputable service providers (like HubSpot) that maintain industry-standard security practices
• Regular Updates: We regularly update our security practices and systems to address emerging threats

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, but we are committed to protecting your information using industry-standard practices.

8Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Factors that influence our retention periods include:

• The nature of our relationship with you
• Legal and regulatory requirements
• The need to resolve disputes or enforce agreements
• Business and operational requirements

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies.

9Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10State-Specific Privacy Rights

Residents of certain states may have additional privacy rights under state laws:

California Residents (CCPA)

California residents may have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information.

Other State Laws

We comply with applicable state privacy laws in Colorado, Texas, Maryland, and other jurisdictions where we operate. If you have questions about your state-specific rights, please contact us.

11Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable laws. When we make changes, we will:

• Post the updated Privacy Policy on our website
• Update the "Last Updated" date at the top of this policy
• Notify you of significant changes via email or website notice
• Obtain your consent for material changes that affect how we use your personal information

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13Effective Date and Acknowledgment

This Privacy Policy is effective as of the date listed at the top of this document. By using our website or services after this date, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

Your continued use of our website and services following any changes to this Privacy Policy constitutes your acceptance of such changes.