Privacy Policy

Infinite Banking Solutions ("we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

This policy complies with the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and other applicable federal and state privacy laws.

1. Information We Collect

1.1 Personal Information

We collect information that you provide directly to us, including:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, assets, financial goals, insurance needs
• Identification Information: Date of birth, Social Security number (when required for policy applications)
• Health Information: Medical history and health status (when required for underwriting)
• Communication Records: Chat transcripts, email correspondence, consultation notes

1.2 Automatically Collected Information

When you access our website, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages viewed, time spent on pages, navigation patterns, referral sources
• Cookies and Tracking Technologies: Session cookies, analytics cookies, preference cookies

1.3 Third-Party Information

We may receive information about you from third parties, including insurance carriers, credit reporting agencies, medical information bureaus, and public databases, as permitted by law.

2. How We Use Your Information

We use your information for the following purposes:

• Service Delivery: To provide financial education, strategy sessions, and insurance policy recommendations
• Policy Administration: To process applications, underwriting, policy issuance, and claims
• Communication: To respond to inquiries, send updates, schedule appointments, and provide customer support
• Personalization: To tailor our services and recommendations to your financial needs and goals
• AI-Powered Assistance: To enable our chatbot to provide personalized guidance on the Infinite Banking Concept
• Compliance: To comply with legal obligations, prevent fraud, and protect our legal rights
• Analytics: To improve our website, services, and user experience
• Marketing: To send promotional materials about our services (with your consent)

3. Information Sharing and Disclosure

3.1 Permitted Disclosures Under GLBA

We may share your nonpublic personal information with third parties as permitted by law, including:

• Insurance Carriers: To process policy applications and claims
• Service Providers: Third-party vendors who perform services on our behalf (e.g., AI services, analytics, hosting, customer support)
• Financial Institutions: Banks and lenders involved in premium financing or policy loans
• Legal and Regulatory Authorities: When required by law or to protect our rights
• Professional Advisors: Attorneys, accountants, and consultants under confidentiality obligations

3.2 Your Opt-Out Rights

You have the right to opt out of certain information sharing with nonaffiliated third parties for marketing purposes. To exercise this right, contact us using the information provided at the end of this policy.

3.3 We Do NOT Sell Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Data Security and Protection

We implement comprehensive administrative, technical, and physical safeguards to protect your information:

• Encryption: We use industry-standard encryption (SSL/TLS) for data in transit and at rest
• Access Controls: Limited access to personal information based on job responsibilities and need-to-know basis
• Multi-Factor Authentication: Required for accessing sensitive systems and data
• Network Security: Firewalls, intrusion detection systems, and network segmentation
• Regular Security Audits: Ongoing risk assessments and vulnerability testing
• Employee Training: Regular privacy and security training for all staff members
• Vendor Management: Due diligence and contractual security requirements for third-party service providers

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but will notify you of any data breaches as required by law.

5. Your Privacy Rights

5.1 California Residents (CCPA/CPRA Rights)

If you are a California resident, you have the following rights:

• Right to Know: Request disclosure of personal information collected, used, and shared
• Right to Delete: Request deletion of your personal information (subject to legal exceptions)
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of personal information (we do not sell your data)
• Right to Non-Discrimination: Exercise your privacy rights without discriminatory treatment
• Right to Limit Sensitive Information: Limit the use of sensitive personal information

5.2 All Users

Regardless of location, you may:

• Access and review your personal information
• Request corrections to inaccurate information
• Opt out of marketing communications
• Request a copy of our privacy notice

5.3 How to Exercise Your Rights

To exercise any of these rights, please contact us at the information provided in Section 11. We will respond to your request within the timeframe required by applicable law (typically 30-45 days).

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Help us understand how visitors use our website (e.g., Vercel Analytics)
• Preference Cookies: Remember your settings and preferences
• AI Chatbot Cookies: Maintain conversation context and improve chatbot responses

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

7. Third-Party Services

Our website integrates with third-party services:

• Anthropic Claude AI: Powers our chatbot for personalized financial education
• Calendly: Enables appointment scheduling for strategy sessions
• Vercel Analytics: Provides website performance and usage analytics

These third parties have their own privacy policies. We encourage you to review them. We are not responsible for the privacy practices of third-party websites or services.

8. Data Retention

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

• Provide our services and maintain your account
• Comply with legal and regulatory requirements (typically 7-10 years for financial records)
• Resolve disputes and enforce our agreements
• Fulfill the purposes described in this Privacy Policy

After the retention period expires, we securely delete or anonymize your information.

9. 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 you believe we have inadvertently collected information from a child, please contact us immediately, and we will delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, and other factors. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending you an email notification (for significant changes)
• Providing annual privacy notices as required by GLBA

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

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: