1. Introduction

At Keystone Rise Collective Wealth, we value your privacy and are committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your data in compliance with insurance regulations in Connecticut, Michigan, Texas, and South Carolina, as well as applicable federal laws. 

As an independent broker agent, Kymberly Read operates under the oversight of the Connecticut Insurance Department (CID), as well as regulatory authorities in other licensed states. By using our website, services, or providing your information, you agree to the terms outlined in this Privacy Policy.

2. Information We Collect

We collect personal and non-personal information to provide and improve our services.

A. Personal Information (Collected with Your Consent)

• Contact Details: Name, email, phone number, and mailing address.
• Insurance Information: Policy details, coverage preferences, and beneficiary details.
• Financial Information: Payment details related to policy transactions.
• Employment Information: Employer details for group benefits eligibility.

B. Non-Personal Information (Collected Automatically)

• Website Usage Data: IP address, browser type, device details, and page interactions.
• Cookies & Tracking Technologies: Used for website optimization and analytics.

3. How We Use Your Information

Your information is used to:

• Provide, manage, and improve our insurance services.
• Process applications, claims, and policy updates.
• Communicate important coverage details and updates.
• Ensure compliance with state and federal insurance regulations.

We do not sell your personal information to third parties.

4. How We Share Your Information

Your data is only shared when necessary, including:

• Insurance Carriers & Partners: To facilitate policy applications and coverage.
• Regulatory Authorities: To comply with Connecticut, Michigan, Texas, and South Carolina insurance laws.
• Service Providers: For website management, customer support, and security purposes.
• Legal Compliance: When required by law, court order, or regulatory investigation.

5. Data Security & Protection

We implement industry-standard security measures to protect your personal data from unauthorized access, misuse, or loss. While we take every precaution, no online system is 100% secure. We encourage clients to use strong passwords and remain cautious when sharing sensitive information online.

6. Your Rights & Choices

As a resident of Connecticut, Michigan, Texas, or South Carolina, you have the right to:

• Request access to your personal information.
• Correct inaccurate or outdated information.
• Opt out of marketing communications.
• Request data deletion, subject to legal and regulatory retention requirements.

To exercise these rights, please contact us at [Your Contact Email/Phone].

7. Compliance with State Insurance Regulations

We operate in full compliance with the following state regulatory bodies:

Connecticut:

• Regulatory Authority: Connecticut Insurance Department (CID)
• Website: www.ct.gov/cid

Michigan:

• Regulatory Authority: Michigan Department of Insurance and Financial Services (DIFS)
• Website: www.michigan.gov/difs

Texas:

• Regulatory Authority: Texas Department of Insurance (TDI)
• Website: www.tdi.texas.gov

South Carolina:

• Regulatory Authority: South Carolina Department of Insurance (SCDOI)
• Website: www.doi.sc.gov

All policies, practices, and disclosures adhere to these states' insurance laws and consumer protections.

8. Third-Party Links & External Sites

Our website may include links to third-party sites. We are not responsible for their privacy policies, and we encourage you to review their terms before sharing any personal information.

9. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our services, legal requirements, or business practices. Any updates will be posted with a revised "Last Updated" date.

10. Contact Information

For questions about this Privacy Policy or your data rights, please contact:

Keystone Rise Collective Wealth
Kymberly Read, Independent Broker Agent
42 Elm Street 

Bristol, CT 06010

+1860-518-4653

info@keystonerisecollectivewealth