Privacy Policy

Effective Date: 12/10/2024  

Last Updated:* 12/10/2024  

At **St. Florence Financial Group**, protecting your privacy and securing your personal information is a top priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website ([www.SaintFlorence.com](http://www.SaintFlorence.com)) or interact with us through phone, email, SMS, or in person. Please read this policy carefully to understand our practices regarding your personal information.

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1. Information We Collect**

We may collect the following types of information from clients, prospects, and website visitors:  

### **A. Personal Identifiable Information (PII)**

This includes information you voluntarily provide when filling out forms, requesting consultations, or subscribing to SMS communications. Examples of PII include:  

- Full Name  

- Date of Birth  

- Social Security Number (SSN) (when required for insurance applications)  

- Mailing Address  

- Email Address  

- Phone Number (for calls, texts, and SMS)  

- Payment and Billing Information  

- Identification Documents (e.g., driver’s license, passport)  

### **B. Non-Personal Information**

We may also collect data automatically as you navigate our website. This includes:  

- Browser type, device type, and operating system  

- IP address and geolocation data  

- Clickstream data, browsing behavior, and pages viewed  

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2. How We Collect Your Information**

We collect information in the following ways:  

- **Direct Collection**: When you fill out forms, request a quote, book a consultation, or subscribe to our SMS program.  

- **Automated Technologies**: Cookies, web beacons, and similar technologies collect information automatically when you visit our website.  

- **Third-Party Sources**: We may receive information from third-party providers, marketing platforms, or partners to enhance our marketing efforts and service offerings.  

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3. How We Use Your Information**

We use the information we collect for the following purposes:  

- **Service Delivery**: To provide quotes, manage policies, process insurance applications, and communicate important updates about your insurance coverage.  

- **Marketing and Communications**: To send appointment reminders, service updates, and promotional offers (only with your consent).  

- **Legal and Compliance**: To comply with laws, regulations, and requests from government entities, including fraud prevention and risk management.  

- **Business Analytics**: To improve our website, products, and user experience.  

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4. How We Share Your Information**

We do **not sell** your information to third parties. However, we may share your information in the following circumstances:  

- **Insurance Carriers and Providers**: We share personal information with insurance carriers (like MassMutual, Mutual of Omaha, Aflac, and National Life) to process insurance applications and manage policies.  

- **Service Providers**: We may use third-party providers for tasks such as data storage, customer relationship management (CRM), and website analytics.  

- **Legal Obligations**: If required by law or government request, we may disclose your information to comply with legal obligations.  

- **Business Transfers**: In the event of a merger, acquisition, or sale of the business, your personal information may be transferred to the new entity. SMS Consent or phone numbers are not shared for the purpose of SMS with third parties or affiliates. 

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5. SMS Text Messaging Policy**

When you opt-in to SMS communications, you agree to receive text messages from St. Florence Financial Group. Your mobile phone number will be used to deliver SMS messages, including appointment reminders and promotional offers.  

- **Opt-out**: You may opt out of SMS messages at any time by replying "STOP" to any message.  

- **Message Frequency**: Messages are sent periodically and may vary based on service needs.  

- **Data Charges**: Standard messaging and data rates may apply.  

For more details, see our **[SMS Terms & Conditions](#)**.  

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6. Cookies and Tracking Technologies**

Our website may use cookies, web beacons, and similar technologies to improve user experience and collect non-personal data. Cookies may track your activity on the site to deliver personalized content, remember your preferences, and enhance navigation.  

- **Types of Cookies**: Session cookies (which expire when you close your browser) and persistent cookies (which stay on your device until deleted).  

- **Cookie Management**: You can modify your browser settings to refuse cookies or alert you when cookies are being used.  

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7. Your Rights**

Depending on your location, you may have certain privacy rights under applicable data protection laws, including:  

- **Access**: The right to request access to the personal information we have collected about you.  

- **Correction**: The right to correct or update inaccurate personal information.  

- **Deletion**: The right to request that we delete your personal information, subject to certain exceptions.  

- **Data Portability**: The right to request your personal information in a portable, machine-readable format.  

- **Opt-out**: The right to opt-out of receiving marketing communications, including SMS, emails, or phone calls.  

To exercise these rights, please contact us at **info@SaintFlorence.com** or call us at **(201) 639-3655**.  

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8. Data Security**

We implement technical, administrative, and physical safeguards to protect your personal information. Our security measures include:  

- **Data Encryption**: Information is encrypted during transmission.  

- **Access Controls**: Only authorized employees and service providers have access to sensitive data.  

- **Monitoring and Auditing**: We regularly monitor our systems for security breaches and vulnerabilities.  

Despite our efforts, no method of transmission over the Internet is 100% secure. We encourage you to protect your personal information by using secure passwords and being cautious when sharing sensitive information.  

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9. Retention of Information**

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When no longer needed, your personal information is securely deleted or anonymized.  

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10. Third-Party Links**

Our website may contain links to third-party websites or services. St. Florence Financial Group is not responsible for the privacy practices or content of external websites. We encourage you to read the privacy policies of those third-party websites before providing any information.  

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11. Children's Privacy**

Our website, products, and services are not intended for children under the age of 13. We do not knowingly collect personal information from children. If we discover that a child has provided us with personal information, we will delete it immediately.  

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12. Updates to This Privacy Policy**

St. Florence Financial Group may update this Privacy Policy from time to time to reflect changes in our practices or applicable regulations. Any changes will be posted on this page with the "Last Updated" date at the top. We encourage you to review this Privacy Policy periodically.  

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13. Contact Us**

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:  

**St. Florence Financial Group**  

623 Eagle Rock Ave, Suite 4  

West Orange, NJ 07052  

**Phone**: (201) 639-3655  

**Email**: info@SaintFlorence.com  

**Website**: [www.SaintFlorence.com](http://www.SaintFlorence.com)  

We are committed to protecting your privacy and ensuring the safety of your personal information. Thank you for trusting St. Florence Financial Group with your insurance and financial service needs.