[ValorChoice Solutions, LLC] (“ValorChoice,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains what information we collect through [www.valorchoice.com] (the “Site”) and when you request a consultation or insurance information, how we use and share it, and the choices you have. ValorChoice is part of the family of brands operated under American Federal Benefits Consultants.
- Information We Collect
Depending on how you interact with us, we may collect the following categories of information:
- Identifiers — such as your name, mailing address, email address, and telephone number, and, when needed to apply for insurance, your date of birth, Social Security number, or other government-issued identifiers.
- Financial and insurance information — such as coverage you have or want, beneficiary information, and financial details relevant to an insurance application.
- Health-related information — because life and related insurance products may require it, a carrier’s application may ask for limited health or medical-history information used solely for underwriting.
- Demographic information — such as age, gender, and marital status.
- Usage and device information — such as pages viewed, links clicked, IP address, browser type, and operating system, collected automatically through cookies and similar technologies.
- How We Use Your Information
We use your information to: respond to your inquiries and requests; prepare quotes and submit insurance applications to carriers on your behalf; provide, maintain, and improve our services and the Site; communicate with you about products, services, and updates; comply with legal, regulatory, and underwriting requirements; and detect and prevent fraud or misuse.
- How We Share Your Information
We do not sell or rent your personal information to third parties for their own marketing purposes. We may share your information with: (a) insurance carriers and underwriters in order to obtain quotes and process applications you request; (b) service providers who perform functions on our behalf (such as hosting, communications, and analytics) under confidentiality obligations; (c) our affiliated brands under American Federal Benefits Consultants where relevant to services you request; (d) government agencies, regulators, or others when required by law or to protect our legal rights; and (e) other parties with your consent or at your direction.
- Cookies and Tracking Technologies
The Site uses cookies and similar technologies to operate the Site, remember your preferences, understand how the Site is used, and support marketing. You can control cookies through your browser settings; disabling cookies may affect some features of the Site.
- Data Security
We take reasonable administrative, technical, and physical measures to protect your personal information against unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
- Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, to comply with our legal and regulatory obligations (including insurance recordkeeping requirements), resolve disputes, and enforce our agreements.
- Your Choices and Rights
You may review and update the information you have provided, and you may opt out of marketing communications at any time by using the unsubscribe link in our emails, replying STOP to text messages, or contacting us using the details below. Depending on your state of residence, you may have additional rights to access, correct, delete, or limit the use of your personal information; contact us to exercise any rights available to you, and we will respond as required by applicable law.
- Communications Consent
By providing your contact information, you consent to receive communications from us by phone, text/SMS, and email as described in our Terms & Conditions. Consent to marketing messages is not a condition of purchasing any product, and you may opt out at any time. Message and data rates may apply.
- Children’s Privacy
The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us so we can delete it.
- Third-Party Links
The Site may link to third-party websites, including carriers and affiliated brands. We are not responsible for the privacy practices of those sites; we encourage you to review their privacy policies.
- Changes to This Policy
We may update this Privacy Policy from time to time. Changes are effective when posted to the Site with an updated “Last updated” date.
- Governing Law
This Privacy Policy is governed by the laws of the State of [Florida], and any disputes relating to it will be subject to the exclusive jurisdiction of the courts located in [Florida].
- Contact Us
To ask about this Policy or exercise your choices, contact:
ValorChoice Solutions • [797 Blanding Blvd., Orange Park, Fl 32065] • [904-579-0567] • [info@valorchoice.com]