Legal
Privacy Policy
Effective Date: January 1, 2025 · Smith Financial Group · Newark, Delaware
Smith Financial Group ("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 or contact us regarding insurance products and services.
1. Information We Collect
We may collect the following types of information:
- Personal Identification Information: Name, phone number, email address, date of birth, and state of residence
- Health Information: General health questions used to determine insurance eligibility (only when voluntarily provided)
- Communication Data: Records of your communications with us, including calls, texts, and emails
- Usage Data: Information about how you interact with our website, including IP address and browser type
2. How We Collect Information
We collect information you provide directly to us when you:
- Book a consultation or appointment through our scheduling system
- Call or text us directly
- Submit an inquiry or request information
- Opt in to receive SMS or email communications
3. SMS Communications
SMS Program Disclosure
By providing your phone number and opting in, you consent to receive SMS text messages from Smith Financial Group regarding appointment reminders, insurance information, and follow-up communications. Message frequency varies. Message and data rates may apply.
To opt out: Reply STOP to any SMS message at any time. You will receive one confirmation message and then no further messages.
For help: Reply HELP for assistance or contact us at 302-286-9150.
We do not sell or share your phone number with third parties for their marketing purposes.
4. How We Use Your Information
We use the information we collect to:
- Provide life insurance quotes and consultation services
- Schedule and confirm appointments
- Send appointment reminders and follow-up communications
- Submit insurance applications on your behalf (with your consent)
- Comply with legal and regulatory requirements
- Improve our services and website experience
5. Information Sharing
We do not sell your personal information. We may share your information with:
- Insurance Carriers: To obtain quotes or submit applications on your behalf, with your consent
- Service Providers: Third-party tools that help us operate our business (CRM, scheduling, communication platforms) under strict confidentiality agreements
- Legal Requirements: When required by law, regulation, or valid legal process
6. Data Security
We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet is 100% secure.
7. Your Rights
You have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information
- Opt out of SMS communications at any time by replying STOP
- Opt out of email communications by following the unsubscribe link
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any site you visit.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page with an updated effective date.