Privacy policy

Privacy Policy

Last Updated: March 2, 2025

Carpenter Financial ("we," "us," "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [carpenterfinancialinsurance.com] (the "Site") or interact with our services (collectively, the "Services").

By accessing or using the Services, you consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy. If you do not agree, please refrain from using our Services.

1. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, operational updates, legal compliance, or regulatory requirements. When changes occur, we will:

  • Post the revised Privacy Policy on our Site.
  • Update the “Last Updated” date at the top of this page.
  • Take additional steps as required by law.

We encourage you to review this Privacy Policy regularly to stay informed about how we handle your personal information.

2. Information We Collect

We collect personal information to improve our Services, provide personalized financial solutions, and enhance your user experience. The type of information we collect depends on how you interact with us.

A. Information You Provide Directly

You may provide personal details when you:
✔ Contact us (e.g., via forms, email, or phone).
✔ Request an insurance quote or consultation.
✔ Sign up for newsletters or promotional offers.
✔ Use interactive features on our Site.

Personal Information Collected:

  • Contact Details: Name, email, phone number, mailing address.
  • Account Information: Username, password, security questions.
  • Customer Support Data: Messages, inquiries, and service requests.

B. Information We Collect Automatically

When you interact with our Site, we automatically collect data using tracking technologies (e.g., cookies, web beacons, pixels).

Usage Data Includes:
✔ Device & Browser Information – IP address, operating system, browser type.
✔ Website Interaction Data – Pages visited, time spent, actions taken.
✔ Network & Connection Data – Internet service provider, referral URLs.

C. Information We Receive from Third Parties

We may obtain data from third-party vendors and service providers, including:
✔ Marketing partners (for lead generation and advertising).
✔ Analytics providers (e.g., Google Analytics for traffic insights).
✔ Website hosting & security services (for fraud detection and cybersecurity).

All third-party data collected is handled in accordance with this Privacy Policy.

3. How We Use Your Information

We use your personal information to:

✔ Provide Financial Services – Deliver tailored life insurance, health insurance, and retirement planning solutions that meet your needs.
✔ Enhance User Experience – Personalize your interaction with our Site, remembering preferences for a seamless experience.
✔ Marketing & Advertising – Send promotional offers, insurance updates, and relevant content via email, SMS, or postal mail (opt-out available).
✔ Security & Fraud Prevention – Detect and mitigate unauthorized access or fraudulent activities.
✔ Legal Compliance & Business Operations – Fulfill regulatory requirements and enforce our policies.

📞 Need help? Contact us anytime for privacy-related questions.

4. Cookies & Tracking Technologies

Like most modern websites, we use cookies and similar tracking technologies to:
✔ Improve Site performance and speed.
✔ Analyze user behavior for optimization.
✔ Serve targeted advertisements tailored to your interests.

🔹 Managing Your Cookie Preferences: You can disable cookies via your browser settings, but doing so may impact certain Site functionalities.

🔹 Third-Party Tracking & Ads: We partner with third-party ad networks that may collect usage data to display relevant financial product ads.

For more details on Shopify-related cookies, visit: https://www.shopify.com/legal/cookies.

5. How We Share Your Information

We never sell your personal information for profit. However, we may share certain data with trusted third parties to facilitate our Services, including:

A. Service Providers & Business Partners

✔ IT & Security Services – Website hosting, cybersecurity measures.
✔ Marketing & Advertising Partners – To deliver personalized offers.
✔ Analytics Providers – To optimize our website and user experience.

B. Legal Compliance & Business Transactions

We may disclose personal data if required by law, during audits, or in connection with business transitions like mergers or acquisitions.

📌 Your privacy matters. We only share data when necessary and always protect it with secure protocols.

6. Your Rights & Choices

Depending on where you reside, you may have certain rights over your personal information, including:

✔ Right to Access – Request a copy of your data.
✔ Right to Correct – Update inaccurate or incomplete information.
✔ Right to Delete – Request removal of your data (subject to legal obligations).
✔ Right to Opt-Out – Withdraw consent from marketing communications anytime.

📌 Exercising Your Rights: Contact us at kelly@carpenterfinancialinsurance.com for data requests or privacy inquiries.

7. Security & Data Retention

We take strong security measures to protect your data, including:
🔹 Encryption protocols for sensitive information.
🔹 Secure servers & firewalls to prevent breaches.
🔹 Limited access – Only authorized personnel handle your data.

We retain data only as long as necessary for business, legal, and regulatory purposes.

⚠️ No security system is 100% foolproof – Please safeguard your account credentials.

8. Third-Party Links & External Sites

Our Site may include links to third-party websites for resources or partnerships. However, we do not control their privacy policies and encourage you to review their terms before providing any information.

9. Children's Privacy

Our Services are not intended for children under 16, and we do not knowingly collect data from minors. If you believe a child has provided personal information, please contact us immediately for removal.

10. International Data Transfers

If you access our Services from outside the United States, your data may be transferred and processed in the U.S. or other jurisdictions with different data protection laws.

We implement appropriate safeguards, such as:
✔ Standard Contractual Clauses (SCCs) for European users.
✔ Secure encryption and access restrictions.

11. Contact Us

If you have questions about this Privacy Policy or your rights, please contact:

📧 Email: kelly@carpenterfinancialinsurance.com
📞 Phone: (863) 326-8359

Your privacy is important to us—let’s protect your future together.