Privacy Policy

Effective Date: 02/17/2026

1. Introduction

WhiteCrest Financial (“Company,” “we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website and when you apply for or obtain insurance or financial services through us.

We comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and other applicable regulations governing insurance and financial institutions.

By using our website or providing information to us, you agree to the practices described in this policy.

2. Information We Collect

We may collect the following categories of information:

A. Personal Identifying Information

  • Name

  • Address

  • Email address

  • Phone number

  • Date of birth

  • Social Security number (when required for underwriting)

  • Driver’s license number

B. Financial Information

  • Income and employment information

  • Bank account information

  • Premium payment information

  • Financial history

C. Insurance & Health Information

  • Health history

  • Prescription information

  • Medical records (when required for underwriting)

  • Claims history

D. Website & Technical Information

  • IP address

  • Browser type

  • Device type

  • Pages visited

  • Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

  • Provide insurance and financial products and services

  • Process applications and underwriting

  • Obtain quotes from insurance carriers

  • Communicate with you about your policies

  • Process payments

  • Comply with legal and regulatory requirements

  • Detect and prevent fraud

  • Improve our website and services

We do not sell your personal information.

4. Information Sharing

We may share your information with:

A. Insurance Carriers & Financial Institutions

To obtain quotes, issue policies, process claims, or provide financial products.

B. Service Providers

Third parties who assist with:

  • Payment processing

  • CRM systems

  • Email communication

  • Data storage

  • IT support

These providers are contractually obligated to safeguard your information.

C. Legal & Regulatory Authorities

When required by law, subpoena, regulatory request, or to protect our legal rights.

D. Business Transfers

In the event of a merger, acquisition, or sale of assets.

We only share information as permitted by applicable law.

5. Protection of Nonpublic Personal Information (NPI)

We maintain physical, electronic, and procedural safeguards designed to:

  • Protect against unauthorized access

  • Protect against unauthorized disclosure

  • Ensure data integrity

  • Maintain secure transmission of sensitive data

Access to personal information is limited to employees and contractors who need it to perform their job duties.

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

  • Improve user experience

  • Analyze traffic patterns

  • Support marketing efforts

You may disable cookies through your browser settings; however, doing so may limit certain website functionality.

7. Your Privacy Rights

Depending on your state of residence, you may have rights including:

  • Access to your personal information

  • Correction of inaccurate information

  • Request deletion (where permitted by law)

  • Opt-out of certain data sharing

To exercise your rights, contact us at:

[Insert Contact Email]
[Insert Phone Number]

8. Data Retention

We retain personal information for as long as necessary to:

  • Provide services

  • Meet legal and regulatory requirements

  • Resolve disputes

  • Enforce agreements

Retention periods vary based on the type of information and applicable law.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

10. Data Security Disclaimer

While we implement commercially reasonable safeguards, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

11. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect information from children.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

13. Contact Information

If you have questions about this Privacy Policy, contact:

[Your Company Name]
[Business Address]
[City, State, ZIP]
Email: [Insert Email]
Phone: [Insert Phone Number]