Privacy Policy

1. Information We Collect

We collect information that you voluntarily provide to us when interacting with our website or communicating with our licensed agents:

• Contact Information: Your name, phone number, email address, mailing address, and preferred contact method provided via forms, email, or telephone.
• Insurance & Financial Inquiry Data: General age range, retirement goals, state of residence, and insurance product interests provided during consultation requests.
• Communication History: Records of inquiries, discovery call requests, and customer service exchanges.
• Technical & Usage Data: Standard server log information, IP address, browser type, device details, and site navigation metrics collected via privacy-conscious web analytics.

2. How We Use Your Information

We use your personal data strictly for legitimate business and regulatory purposes, including:

• Responding to your inquiries and scheduling educational discovery calls.
• Preparing custom fixed indexed annuity or indexed universal life policy quotes.
• Assisting with insurance carrier application paperwork when requested by you.
• Fulfilling legal obligations under California Department of Insurance regulations and other applicable state licensing bodies.
• Improving website usability, performance, and accessibility.

3. Information Sharing & Third Parties

We respect your confidentiality. We share personal information only under the following limited circumstances:

• Insurance Carriers: When you elect to apply for a policy, we transmit required application details to the selected issuing insurance carrier to process your application.
• Service Providers: Secure technology providers (such as encrypted hosting, email delivery, and CRM tools) acting on our behalf under strict confidentiality agreements.
• Legal & Regulatory Authorities: As required by law, subpoena, or state insurance department audit.

We NEVER sell, rent, or monetize your personal data or contact lists to third-party marketers.

4. Cookies & Tracking Technologies

Our website uses essential and performance cookies to enable navigation and understand site traffic trends. We do not use third-party tracking pixels for cross-site retargeting or behavioral ad profiling. You can adjust your browser settings to refuse cookies at any time; basic website functionality will remain accessible.

5. California Privacy Rights (CCPA / CPRA)

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have specific rights regarding their personal information:

• Right to Know: You may request details about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request that we delete personal information we have collected, subject to regulatory record-keeping exceptions required by state insurance regulators.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt-Out / Non-Discrimination: We do not sell personal data. You have the right to exercise your privacy rights without receiving discriminatory treatment.

To submit a CCPA/CPRA privacy request, email us at info@hafniainsurance.com or call 858-345-9001.

6. Data Security & Retention

We maintain industry-standard physical, technical, and administrative safeguards (including SSL encryption, firewall protection, and restricted access controls) to protect your personal information against unauthorized access, loss, or alteration. We retain personal data for as long as necessary to fulfill the purposes outlined in this policy or as mandated by state insurance record retention laws.

7. Contact Us Regarding Privacy

If you have any questions, concerns, or requests concerning this Privacy Policy, please contact our office: