Privacy Policy

Last Updated: January 1, 2025

At Global Finance Club, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, gender, marital status, occupation
• Insurance Information: Current coverage details, claims history, coverage preferences
• Financial Information: Income range, credit information (where permitted by law)
• Vehicle Information: Make, model, year, VIN, driving history
• Property Information: Home details, property value, security features

Automatically Collected Information

• Usage Data: Pages visited, time spent on site, click patterns
• Device Information: IP address, browser type, operating system
• Cookies and Tracking: Session cookies, preference cookies, analytics cookies

2. How We Use Your Information

We use your personal information for the following purposes:

• Quote Generation: To provide accurate insurance quotes and recommendations
• Service Delivery: To connect you with licensed insurance agents and companies
• Communication: To respond to inquiries and provide customer support
• Marketing: To send newsletters, promotional materials, and relevant offers (with your consent)
• Improvement: To analyze usage patterns and improve our services
• Legal Compliance: To comply with applicable laws and regulations
• Fraud Prevention: To detect and prevent fraudulent activities

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

With Insurance Partners

We share your information with licensed insurance companies and agents to provide you with quotes and coverage options. These partners are bound by their own privacy policies and applicable insurance regulations.

With Service Providers

We may share information with third-party service providers who assist us in:

• Website hosting and maintenance
• Data analytics and marketing
• Customer support services
• Payment processing

Legal Requirements

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

4. Data Security

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

• Encryption: SSL/TLS encryption for data transmission
• Access Controls: Limited access to personal information on a need-to-know basis
• Regular Audits: Periodic security assessments and updates
• Employee Training: Regular privacy and security training for our staff
• Secure Storage: Protected servers and databases with regular backups

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

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can control cookie settings through your browser preferences, but disabling certain cookies may affect website functionality.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• 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 requirements)
• Portability: Request transfer of your data to another service provider
• Opt-out: Unsubscribe from marketing communications
• Restriction: Request limitation of processing in certain circumstances

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

7. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected and how it's used
• Right to delete personal information (with certain exceptions)
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

Note: We do not sell personal information to third parties for monetary consideration.

8. Children'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 information from a child under 18, we will take steps to delete such information promptly.

9. 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.

10. Data Retention

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

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

When information is no longer needed, we securely delete or anonymize it.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information during such transfers, including:

• Adequacy decisions by relevant authorities
• Standard contractual clauses
• Binding corporate rules
• Certification schemes

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: