Privacy Policy

1. Information We Collect

We may collect personal information that you provide directly to us, information generated when you use our website, and information reasonably necessary to respond to an insurance-related inquiry.

Information you provide

• Name, phone number, email address, mailing address, and other contact information.
• Information you submit through website chat, forms, phone calls, text messages, or other communications.
• Information about your insurance interests, financial goals, coverage needs, household, or other details you voluntarily provide when requesting information or speaking with a licensed insurance professional.
• If you choose to proceed with an insurance application, additional information may be requested by the applicable licensed professional, insurance carrier, or application provider. That information may be governed by additional privacy notices.

Information collected automatically

When you use our website, we or our service providers may collect device and usage information such as IP address, browser type, device type, pages viewed, referring pages, approximate location derived from IP address, cookie identifiers, and similar technical information.

2. How We Use Personal Information

We may use personal information to:

• Respond to questions and requests for insurance information.
• Communicate with you about your inquiry, appointments, requested information, or available insurance solutions.
• Provide educational information about life insurance and related financial protection concepts.
• Operate, maintain, secure, personalize, and improve our website and communications.
• Detect fraud, misuse, security issues, or other potentially harmful activity.
• Comply with applicable legal, regulatory, licensing, recordkeeping, and insurance-related obligations.
• Enforce our Terms and Conditions and protect our rights, users, and business.

3. SMS and Text Messaging Privacy

If you provide your mobile number and consent to receive text messages, Grand Valor Financial may send messages related to your inquiry, requested information, appointment reminders, follow-up communications, and other communications consistent with the consent you provided. Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP. You may reply HELP for assistance. Consent to receive text messages is not a condition of purchasing an insurance product or service.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with third parties for their marketing or promotional purposes.

4. How We Disclose Information

We may disclose personal information only as reasonably necessary for legitimate business, service, legal, or insurance-related purposes, including:

• Service providers: vendors that help us operate our website, communications, customer relationship management systems, hosting, analytics, security, or similar business functions.
• Insurance-related parties: licensed professionals, insurance carriers, underwriting or application providers, and other parties involved in evaluating or servicing a request when you ask us to assist with insurance options or an application.
• Legal and safety purposes: when reasonably necessary to comply with law, legal process, regulatory obligations, or to protect rights, safety, and security.
• Business transactions: as part of a merger, acquisition, financing, sale, reorganization, or similar business transaction, subject to applicable law.

We do not sell SMS opt-in data, mobile phone numbers, or text-message consent information to third parties for their marketing or promotional purposes.

5. Cookies, Analytics, and Advertising Technologies

Our website may use cookies, pixels, tags, analytics tools, or similar technologies to operate the site, understand usage, measure advertising performance, and improve our services. Some of these technologies may be provided by third-party platforms.

Your browser may allow you to block or delete cookies. Doing so may affect some website functionality. Where required by applicable law, we will provide additional choices regarding certain advertising or data-sharing technologies.

6. California Privacy Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, depending on whether the law applies to Grand Valor Financial and to the information at issue. These rights may include the right to request access to or correction or deletion of certain personal information, to receive information about certain collection and disclosure practices, to opt out of certain sales or sharing of personal information, to limit certain uses of sensitive personal information, and to exercise applicable rights without unlawful discrimination.

If applicable, you or an authorized agent may submit a privacy request using the contact information below. We may need to verify your identity before completing certain requests. Some information may be exempt from a request under applicable law, including information subject to other legal, regulatory, insurance, or recordkeeping requirements.

Where legally required, we will also honor recognized browser-based opt-out preference signals, such as Global Privacy Control, for the browser or device sending the signal.

7. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this policy, including to respond to inquiries, maintain business and insurance-related records, comply with legal or regulatory obligations, resolve disputes, enforce agreements, and protect against fraud or misuse. Retention periods may vary depending on the type of information and the reason it was collected.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. However, no internet transmission, electronic storage method, or security system is completely secure, and we cannot guarantee absolute security.

9. Children's Privacy

This website is intended for adults seeking information about insurance and financial protection. We do not knowingly collect personal information online from children under 13. If we learn that we have collected such information without appropriate authorization, we will take reasonable steps to delete it.

10. Third-Party Websites and Services

Our website may link to third-party websites, insurance carriers, scheduling tools, communication providers, or other services. We are not responsible for the privacy practices or content of third parties. Their own privacy policies and terms govern your use of those services.

11. Insurance and Financial Information

Grand Valor Financial provides insurance education and access to licensed insurance professionals. If you proceed beyond a general inquiry, insurance carriers or other authorized parties may request additional personal, financial, health, or underwriting information. The collection and use of that information may be governed by carrier-specific privacy notices, insurance laws, and other applicable requirements.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of the website after an updated policy is posted is subject to the updated policy to the extent permitted by law.

13. Contact Us

If you have questions about this Privacy Policy or want to submit a privacy-related request, contact: