Privacy Policy

Privacy Policy

Agape Financial & Insurance Agency

Last Updated: April 2026

1. Introduction

Agape Financial Insurance (“Company,” “we,” “us,” or “our”) is committed to maintaining the confidentiality, integrity, and security of personal information entrusted to us.

This Privacy Policy describes the manner in which we collect, use, disclose, safeguard, and otherwise process personal information in connection with our insurance, financial, and related services, including interactions through our website, digital platforms, and licensed agents.

By accessing or using our services, you acknowledge and agree to the terms and conditions set forth in this Privacy Policy.

2. Categories of Information Collected

We may collect and process the following categories of information, to the extent permitted by applicable law:

(a) Personal Identifiers

Including, but not limited to: full name, residential or mailing address, email address, telephone number, Social Security number (SSN), date of birth, and government-issued identification numbers (e.g., driver’s license).

(b) Financial and Economic Information

Including income, assets, liabilities, net worth, banking information, credit history, and financial objectives.

Including medical history, health conditions, and other information necessary for insurance underwriting, subject to applicable laws including HIPAA where applicable.

(d) Technical and Usage Information

Including IP address, browser type, device identifiers, operating system, and website interaction data collected via cookies and similar technologies.

3. Purpose of Information Use

We process personal information for legitimate business and legal purposes, including but not limited to:

* Evaluating and processing applications for insurance and financial products

* Providing quotes, policy recommendations, and financial guidance

* Administering, servicing, and maintaining client accounts and policies

* Communicating with clients and responding to inquiries

* Detecting and preventing fraud or unauthorized activity

* Complying with applicable legal, regulatory, and contractual obligations

4. Disclosure of Information

We do not sell personal information.

We may disclose personal information to the following categories of third parties, as necessary:

* Insurance Carriers and Underwriting Entities – for risk evaluation and policy issuance

* Service Providers and Vendors – including IT services, payment processors, and administrative support providers

* Affiliated Entities – for internal operational and compliance purposes

* Regulatory and Legal Authorities – where required by law, subpoena, or regulatory obligation

All disclosures are conducted in accordance with applicable privacy and data protection laws.

5. Cookies and Tracking Technologies

We utilize cookies and similar tracking technologies to enhance user experience, analyze site performance, and improve service delivery.

Users may modify browser settings to refuse cookies; however, certain functionalities of the website may be impaired.

6. Data Security and Safeguards

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information, including but not limited to:

* Secure Socket Layer (SSL) encryption

* Access controls and authentication protocols

* Secure data storage systems and network protections

Notwithstanding the foregoing, no data transmission or storage system can be guaranteed to be completely secure.

7. Age Eligibility and Minor Data Protection

Our services are intended solely for individuals who have reached the age of majority under applicable law.

We do not knowingly solicit, collect, or maintain personal information from individuals under the age of eighteen (18).

In the event that we determine that personal information has been collected from a minor without legally valid authorization, we will take commercially reasonable steps to promptly delete such information.

8. California Privacy Rights (CCPA/CPRA Disclosure)

Pursuant to applicable California law, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents may have the following rights:

* The right to request disclosure of categories and specific pieces of personal information collected

* The right to request correction of inaccurate personal information

* The right to request deletion of personal information, subject to legal exceptions

* The right to limit the use of sensitive personal information

* The right to non-discrimination for exercising privacy rights

Requests may be submitted using the contact information provided below. We will take reasonable steps to verify identity prior to processing such requests.

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Policy, including to satisfy legal, regulatory, tax, accounting, and reporting requirements.

Retention periods may vary depending on the nature of the information and applicable legal obligations.

10. Updates to This Policy

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be effective upon posting, and the revised effective date will be indicated above.

Continued use of our services constitutes acceptance of any such revisions.

11. Contact Information

For questions regarding this Privacy Policy or to exercise applicable privacy rights, please contact:

Agape Financial Insurance

📧 Email: agapeinsurance01@gmail.com

📞 Phone: 626-217-3578