PWRFIN LLC dba Power Financial Consultants & Ciervo Wealth Management
Privacy Policy
How PWRFIN LLC collects, uses, discloses, and protects your personal information.
PWRFIN LLC, doing business as Power Financial Consultants and Ciervo Wealth Management (“PWRFIN,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit or interact with our websites, landing pages, forms, applications, communications, and other online services that link to this Privacy Policy (collectively, the “Services”).
PWRFIN LLC is based in Cleveland, Ohio.
By accessing or using our Services, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
Depending on how you interact with us, we may collect information directly from you, automatically through your use of our Services, or from third parties.
A. Information You Provide to Us
You may provide personal information when you:
- Submit a contact or consultation request;
- Request information about life insurance, health insurance, annuities, financial products, or related services;
- Complete a quote, questionnaire, survey, or lead form;
- Schedule an appointment;
- Communicate with us by email, telephone, text message, or other means;
- Apply to become an agent or representative;
- Submit information through an employment, contracting, onboarding, or business-related form;
- Subscribe to communications or marketing materials; or
- Otherwise voluntarily provide information to us.
Depending on the service or interaction, this information may include:
- Name;
- Mailing address;
- Email address;
- Telephone number;
- Date of birth;
- State of residence;
- Employment or business information;
- Insurance-related information;
- Financial information;
- Information concerning your insurance needs and preferences;
- Information you voluntarily provide concerning your health or other circumstances relevant to an insurance inquiry or application; and
- Other information you choose to provide.
You should not submit sensitive personal information through a general website contact form unless specifically requested and the form is intended to collect that information.
B. Information Collected Automatically
When you visit our website, certain information may be collected automatically, including:
- IP address;
- Browser type and version;
- Device type;
- Operating system;
- Approximate geographic location;
- Pages visited;
- Referring website or source;
- Date and time of visits;
- Website interactions; and
- Other technical information concerning your use of the Services.
We may collect this information through cookies, pixels, tags, analytics tools, log files, and similar technologies.
2. Cookies and Tracking Technologies
Our Services may use cookies and similar technologies to operate the website, remember preferences, understand website usage, measure advertising performance, and improve our Services.
These technologies may be provided by us or by third-party service providers.
Depending on your browser and device settings, you may be able to block or delete cookies. Disabling certain cookies may affect the functionality of portions of our Services.
Third-party analytics and advertising providers may use cookies or similar technologies to collect information about your activity across websites or services for purposes such as analytics, advertising, attribution, and audience measurement.
3. How We Use Personal Information
We may use personal information for legitimate business purposes, including to:
- Respond to inquiries and requests;
- Provide requested information or services;
- Contact you regarding insurance or financial products and services;
- Schedule appointments;
- Provide quotes or facilitate insurance-related services;
- Connect you with an appropriately licensed insurance or financial professional;
- Process applications or requests;
- Communicate with you regarding your relationship with us;
- Send service-related communications;
- Send marketing communications where permitted by law;
- Improve our website, products, and services;
- Analyze website usage and marketing performance;
- Prevent fraud, abuse, unauthorized activity, or other unlawful conduct;
- Maintain business and security records;
- Comply with applicable laws, regulations, legal processes, and regulatory requirements;
- Protect our rights, property, and users; and
- Carry out other purposes disclosed at the time information is collected or with your consent where required.
4. Insurance and Financial Services Information
If you request insurance, annuity, financial, or related services, the information you provide may be used to evaluate your needs and facilitate communication with insurance carriers, financial institutions, licensed professionals, agencies, marketing organizations, or other parties involved in providing the requested service.
Information collected as part of an insurance or financial transaction may be subject to additional privacy notices, disclosures, agreements, or legal requirements applicable to that transaction.
For example, information collected during an insurance application or financial services relationship may be governed by applicable federal and state privacy laws and by the privacy practices of the applicable insurance carrier or financial institution.
This website Privacy Policy does not replace any privacy notice provided by an insurance carrier, financial institution, or other third party in connection with a specific product or transaction.
5. How We Share Personal Information
We may disclose personal information to third parties when reasonably necessary to operate our business, provide requested services, or fulfill the purposes described in this Privacy Policy.
These parties may include:
- Insurance carriers and product providers;
- Financial institutions and service providers;
- Licensed insurance agents, advisors, representatives, or other professionals;
- Agencies, brokerages, marketing organizations, or distribution partners;
- Lead providers and lead-generation partners;
- Customer relationship management and communication platforms;
- Website hosting and technology providers;
- Scheduling and appointment platforms;
- Email, telephone, and text-message service providers;
- Analytics providers;
- Advertising and marketing providers;
- Payment processors, where applicable;
- Professional advisors, including attorneys, accountants, and consultants;
- Regulators, governmental authorities, or law enforcement where required or permitted by law; and
- Other service providers acting on our behalf.
We may also disclose information when necessary to comply with a legal obligation, enforce our agreements, protect our rights or property, prevent fraud or other unlawful activity, or protect the safety of our users or others.
We Do Not Sell Personal Information
PWRFIN does not sell your personal information for monetary consideration.
However, certain website technologies, advertising arrangements, lead-generation arrangements, or analytics services may constitute “sharing” or other regulated disclosures under certain state privacy laws. Where applicable law provides you with rights concerning such activities, we will honor those rights as required.
6. Lead Generation and Third-Party Sources
We may receive personal information from third-party lead providers, marketing partners, referral sources, advertising platforms, or other business partners.
If you submit your information to another company and that company provides your information to us, the privacy practices of that company may also apply to the information it collected.
Similarly, when you click an advertisement, link, or other third-party service, you may be directed to a website or platform that is not controlled by PWRFIN.
We encourage you to review the privacy policies of third parties before providing them with personal information.
7. Telephone and Text Message Communications
If you provide a telephone number and consent to receive communications from us, we may contact you by telephone call or text message regarding your inquiry, requested services, appointments, insurance or financial products, or other communications for which you have provided consent.
Message and data rates may apply.
Consent to receive marketing text messages is not a condition of purchasing any product or service.
You may opt out of marketing text messages by replying STOP to a message, where supported. You may also contact us directly to request that marketing communications be discontinued.
Please understand that opting out of certain communications may affect our ability to provide requested services or respond to your inquiry.
8. Email Communications
If you provide your email address, we may use it to respond to inquiries, provide requested information, communicate about appointments or services, and, where permitted, send marketing or informational communications.
You may unsubscribe from marketing emails by following the unsubscribe instructions contained in the applicable email.
Even if you opt out of marketing communications, we may continue sending transactional, administrative, security, or other communications that are necessary to provide services or maintain our business relationship with you.
9. Third-Party Websites and Services
Our Services may contain links to websites, applications, social media platforms, or other services operated by third parties.
We are not responsible for the privacy practices, content, security, or policies of third-party websites or services.
Your interactions with third-party services are governed by the privacy policies and terms of those third parties.
10. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.
However, no website, electronic transmission, database, or storage system can be guaranteed to be completely secure.
Accordingly, we cannot guarantee absolute security of information transmitted to or stored by us.
11. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, maintain our business and legal records, comply with applicable laws and regulatory requirements, resolve disputes, enforce agreements, prevent fraud, and protect our legitimate business interests.
The length of time information is retained may vary depending on the type of information and the purpose for which it was collected.
12. Your Privacy Rights
Depending on where you live and applicable law, you may have certain rights concerning your personal information.
These rights may include the right to:
- Request access to personal information we maintain about you;
- Request correction of inaccurate information;
- Request deletion of personal information, subject to applicable exceptions;
- Opt out of certain forms of targeted advertising or other regulated data sharing;
- Opt out of certain marketing communications;
- Receive information about how personal information is collected and used; and
- Exercise other rights provided by applicable state or federal law.
We may need to verify your identity before completing certain requests.
Some information may be exempt from deletion or other requests because of legal, regulatory, security, contractual, or other permitted exceptions.
To submit a privacy-related request, contact us using the information provided in the Contact Us section below.
13. Children’s Privacy
Our Services are not directed toward children under the age of 13, and we do not knowingly collect personal information from children under 13 through our website.
If we become aware that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete the information.
14. Do-Not-Track Signals
Some web browsers offer a “Do Not Track” setting. Because there is not currently a universally accepted standard for responding to Do Not Track signals, our Services may not respond to such signals unless required by applicable law.
15. Business Transfers
If PWRFIN LLC undergoes a merger, acquisition, reorganization, financing, sale of assets, or other business transaction, personal information may be transferred as part of that transaction, subject to applicable law.
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, Services, technology, legal requirements, or privacy practices.
When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.
Your continued use of the Services after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy, to the extent permitted by law.
17. Contact Us
If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact:
PWRFIN LLC
DBA Power Financial Consultants
DBA Ciervo Wealth Management
Cleveland, Ohio, USA
Email: operations@powerfinancial.co
Website: Powerfinancial.co
Telephone: [INSERT BUSINESS PHONE NUMBER]