PWR FIN LLC dba Power Financial
Privacy Policy
Gramm-Leach-Bliley Act | TCPA | CCPA | Texas Insurance Code | FCRA Compliant
This Privacy Policy is provided to you in accordance with the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq., the Texas Insurance Code Chapter 601, the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), and applicable provisions of the California Consumer Privacy Act (CCPA) for California residents.
Section 1: Introduction and Identity of Data Controller
PWR FIN LLC dba Power Financial Group ("we," "us," "our," or "Company") is an independent insurance agency operating nationally across the United States of America, headquartered in Texas. We take the privacy of your personal and financial information seriously. This Privacy Policy describes how we collect, use, disclose, protect, and retain your nonpublic personal information ("NPI") and other personal data in connection with your use of our websites, platforms, and insurance services.
This Policy applies to all current and former clients, prospective clients, website visitors, and any individual who interacts with PWR FIN LLC dba Power Financial Group or its affiliated licensed agents.
INSURANCE TRANSACTIONS ARE GOVERNED BY THE GRAMM-LEACH-BLILEY ACT AND APPLICABLE STATE INSURANCE CODES. PERSONAL INFORMATION COLLECTED FOR PURPOSES OTHER THAN INSURANCE TRANSACTIONS (E.G., WEBSITE ANALYTICS, MARKETING DATA) MAY ALSO BE SUBJECT TO THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA) FOR CALIFORNIA RESIDENTS.
Section 2: Categories of Personal Information We Collect
We collect nonpublic personal information about you from a variety of sources. The table below summarizes the categories of information we collect, examples of each, and the primary purpose for collection.
| Category of Data | Examples | Purpose |
|---|---|---|
| Identification Data | Full name, date of birth, Social Security Number, government-issued ID | Identity verification, insurance underwriting, application processing |
| Contact Information | Address, phone number, email address | Communication, follow-up, policy delivery, TCPA-compliant marketing |
| Financial Information | Income, assets, bank account details (for premium payment) | Suitability assessment, premium processing, product eligibility |
| Health Information | Medical history, prescription history, height/weight | Insurance underwriting and eligibility determination by carriers |
| Insurance Information | Existing policies, beneficiary designations, coverage amounts | Needs analysis, suitability, replacement disclosures |
| Digital/Technical Data | IP address, browser type, cookies, page visit data | Website analytics, platform improvement, fraud prevention |
| Communications Data | Call recordings, email correspondence, form submissions | Quality assurance, regulatory compliance, dispute resolution |
- 1 Sensitive Personal Information
Certain categories of information we collect — including Social Security Numbers, health information, and financial account numbers — are considered sensitive personal information. We apply heightened security measures to this data and limit its use to the specific purposes for which it was collected.
Section 3: How We Collect Personal Information
We collect personal information through the following methods:
- 1 Direct Collection from You
Online lead forms and landing pages on our websites and GHL funnels
Telephone conversations with licensed agents (which may be recorded)
Email correspondence and text message inquiries
Insurance application forms submitted to carriers
In-person consultations with affiliated agents
- 2 Automated Collection
Cookies, web beacons, and similar tracking technologies on our websites
Call tracking software that records the phone numbers and duration of calls
CRM platform data (GoHighLevel) including form submission metadata
Analytics platforms including Google Analytics and Meta Pixel
- 3 From Third Parties
Lead generation platforms and affiliated marketing partners (with your consent)
Insurance carriers during the underwriting process
Consumer reporting agencies and Medical Information Bureau (MIB)
Publicly available sources and government records
Call recordings are made in compliance with applicable federal and state wiretapping and recording consent laws. In states requiring two-party consent, callers will be notified at the beginning of the call.
Section 4: How We Use Your Personal Information
We use your personal information for the following purposes:
- 1 Insurance-Related Purposes (GLBA Protected)
Processing and submitting insurance applications on your behalf
Facilitating underwriting review by insurance carriers
Delivering policy documents, premium notices, and renewal information
Processing premium payments and billing
Handling policy changes, beneficiary updates, and claim notifications
Complying with state insurance regulations and carrier requirements
Conducting suitability analysis to recommend appropriate products
- 2 Marketing and Communication Purposes
Contacting you regarding your inquiry via phone, text, or email (with your consent)
Providing information about additional products that may benefit you
Sending newsletters, educational content, and policy updates
Retargeting campaigns on digital advertising platforms (with opt-out rights)
- 3 Legal and Compliance Purposes
Complying with applicable federal and state laws and regulations
Responding to lawful government requests, subpoenas, and court orders
Preventing, detecting, and investigating fraud and unauthorized activity
Enforcing our Terms of Service and contractual agreements
Maintaining records as required by insurance regulations
- 4 Operational Purposes
Improving our websites, platforms, and services
Training and quality assurance for affiliated agents
Managing our business operations and customer relationships
Section 5: Disclosure of Personal Information — GLBA Notice
In accordance with the Gramm-Leach-Bliley Act Financial Privacy Rule, we provide the following disclosure regarding our information-sharing practices:
- 1 Sharing We Do
With insurance carriers to process your application and service your policy
With affiliated agents who are appointed to serve your account
With reinsurers and the Medical Information Bureau (MIB) as required by underwriting
With service providers who assist in our business operations (e.g., CRM platforms, printing, mailing) under confidentiality agreements
With government agencies, regulators, and law enforcement as required by law
In connection with the sale, merger, or acquisition of our business (with prior notice to you)
- 2 Sharing We Do NOT Do
We do NOT sell your personal information to unaffiliated third-party marketers.
We do NOT share your Social Security Number or financial account numbers with unaffiliated companies for marketing purposes.
We do NOT share your health or medical information beyond what is necessary for underwriting and carrier requirements.
- 3 Your Opt-Out Rights Under GLBA
You have the right to opt out of certain disclosures of your nonpublic personal information to nonaffiliated third parties. To exercise this right, contact us at the information provided in Section 14. Note that certain disclosures required by law or for the servicing of your insurance policy cannot be restricted.
Section 6: California Residents — CCPA Rights
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), affords you specific rights regarding your personal information. These rights apply to personal information collected for purposes other than the insurance transaction (e.g., website data, marketing data), which is governed by the Gramm-Leach-Bliley Act and is subject to CCPA pursuant to regulations adopted by the California Privacy Protection Agency effective January 1, 2026.
- 1 Your CCPA Rights
Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you in the preceding 12 months.
Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
Right to Correct: You may request correction of inaccurate personal information.
Right to Opt Out of Sale: We do not sell personal information. However, if this practice changes, you will have the right to opt out.
Right to Limit Use of Sensitive Personal Information: You may limit our use of sensitive personal information to that which is necessary to perform services.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
- 2 How to Exercise CCPA Rights
California residents may submit a verifiable consumer request by contacting us as described in Section 14. We will respond within 45 days of receipt of a verifiable request, with one possible 45-day extension. We may not respond to more than two requests per 12-month period.
Effective January 1, 2026, California insurance companies must comply with the CCPA for personal information not collected in connection with an insurance transaction, including website visitor data and marketing data. Power Financial Group is committed to full compliance with these requirements.
Section 7: Cookies and Digital Tracking Technologies
Our websites use cookies, web beacons, pixel tags, and similar technologies to enhance user experience and collect analytics data.
- 1 Types of Cookies We Use
Essential Cookies: Required for website functionality. Cannot be disabled.
Analytics Cookies: Google Analytics cookies that track page views, session duration, and traffic sources to help us improve our platforms.
Marketing Pixels: Meta (Facebook) Pixel and similar technologies used to measure advertising effectiveness and create retargeting audiences. These operate only with your consent where required by law.
CRM Cookies: GoHighLevel platform cookies used to track form submissions and manage our CRM workflows.
- 2 Cookie Management
You may manage cookie preferences through your browser settings. Note that disabling certain cookies may affect the functionality of our platforms. You may also opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.
Section 8: Data Security and Safeguards
PWR FIN LLC dba Power Financial Group implements and maintains a comprehensive information security program in accordance with the GLBA Safeguards Rule (as amended effective 2023) and applicable state requirements. Our security measures include:
- 1 Technical Safeguards
SSL/TLS encryption for all data transmitted through our websites and platforms
Encrypted storage of sensitive personal information including Social Security Numbers
Secure, access-controlled CRM platform (GoHighLevel) with role-based permissions
Regular security assessments and vulnerability testing
Multi-factor authentication for systems containing personal information
- 2 Administrative Safeguards
Designated information security officer responsible for the security program
Employee training on data privacy and security practices
Background screening for employees with access to sensitive data
Written information security policies and procedures
Annual review and update of the information security program
- 3 Physical Safeguards
Secure disposal of physical documents containing personal information
Access controls for physical locations where personal data is stored
- 4 Data Breach Response
In the event of a data breach involving your personal information, PWR FIN LLC dba Power Financial Group will notify affected individuals in accordance with applicable state and federal data breach notification laws, including the Texas Identity Theft Enforcement and Protection Act, within the legally required timeframes.
Section 9: Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, to resolve disputes, and to enforce our agreements. Specific retention periods include:
Insurance application and policy records: Retained for the duration of the policy plus a minimum of seven (7) years as required by state insurance regulations.
Call recordings: Retained for a minimum of two (2) years or as required by applicable law.
Marketing and lead data: Retained for three (3) years from the date of last contact, unless you request deletion.
Website analytics data: Retained in accordance with the applicable platform's data retention policies.
Upon expiration of applicable retention periods, personal information will be securely destroyed or anonymized in accordance with our document disposal policy.
Section 10: Children's Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18 without verifiable parental consent, we will take steps to delete that information promptly. If you believe we have inadvertently collected information from a minor, please contact us immediately at the information in Section 14.
Section 11: Third-Party Links and Platforms
Our websites and marketing materials may contain links to third-party websites, including insurance carrier websites, payment processors, and social media platforms. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party site you visit. PWR FIN LLC dba Power Financial Group is not responsible for the privacy practices of third parties.
Section 12: Your Rights and Choices
Regardless of your state of residence, you have the following rights with respect to your personal information:
Access and Portability: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to legal retention requirements.
Opt-Out of Marketing: Opt out of receiving marketing communications at any time.
Opt-Out of Data Sharing: Opt out of sharing your nonpublic personal information with nonaffiliated third parties for their marketing purposes.
Revoke Consent: Revoke previously provided consent for communications or data processing, subject to legal limitations.
To exercise any of these rights, please contact us using the information provided in Section 14. We will respond within the timeframes required by applicable law.
Section 13: Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Material changes will be communicated to you through one or more of the following methods:
Posting of the updated Policy on our website with a revised Effective Date
Email notice to clients with active relationships
Notice at the point of data collection on our platforms
Your continued use of our services after the effective date of any modification constitutes your acknowledgment of the updated Policy. We encourage you to review this Policy periodically.
Section 14: Contact Information and Privacy Requests
To exercise your privacy rights, submit a complaint, ask questions about this Policy, or opt out of data sharing, please contact us through the following channels:
PWR FIN LLC dba Power Financial Group
Privacy Officer / Compliance Department
Website: powerfinancial.com
Operating States: All 50 United States of America | Headquartered in Texas
For complaints regarding our privacy practices, you may also contact:
Texas Department of Insurance: www.tdi.texas.gov | 1-800-252-3439
Federal Trade Commission: www.ftc.gov/privacy
Consumer Financial Protection Bureau: www.consumerfinance.gov
California Privacy Protection Agency (California residents): www.cppa.ca.gov
Section 15: Regulatory Compliance Summary
This Privacy Policy has been prepared to comply with the following laws and regulations:
Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq. — Financial Privacy Rule and Safeguards Rule
Texas Insurance Code Chapter 601 — Privacy of Consumer Financial and Health Information
Texas Administrative Code Title 28, Part 1, Chapter 22 — Privacy
Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227 — as amended by FCC January 2025 rules
CAN-SPAM Act, 15 U.S.C. § 7701 et seq. — Commercial Email
Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA) — as applicable to non-insurance transaction data effective January 1, 2026
Health Insurance Portability and Accountability Act (HIPAA) — to the extent applicable to health information in insurance transactions
Children's Online Privacy Protection Act (COPPA), 15 U.S.C. § 6501 et seq.
National Association of Insurance Commissioners (NAIC) Privacy of Consumer Financial and Health Information Model Regulation
ATTESTATION OF COMPLIANCE
PWR FIN LLC dba Power Financial Group attests that this Privacy Policy accurately reflects our current data practices and has been prepared in good faith to comply with all applicable federal and state laws governing insurance agencies and the privacy of consumer financial information.
PWR FIN LLC dba Power Financial Group
An Independent Insurance Agency
United States of America (Nationally Licensed, Headquartered in Texas)
powerfinancial.com
This Privacy Policy was prepared in accordance with the Gramm-Leach-Bliley Act, Texas Insurance Code, TCPA, CCPA, FCRA, and current NAIC model privacy regulations. It should be reviewed by qualified legal counsel before final publication and updated as laws change.