Ninous Financial Group
Ninous Financial Group (NFG) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. By using our services, you consent to the data practices described in this policy.
Information We Collect
We may collect personally identifiable information, such as your name, email address, phone number, mailing address, social security number, and financial information when you purchase our insurance products or services.
We may collect non-personal information, such as your IP address, browser type, operating system, and browsing behavior when you visit our website.
We use cookies, web beacons, and other tracking technologies to collect information about your interactions with our website to improve your experience and our services.
How We Use Your Information
- Provide Services: To process transactions, manage your insurance policies, and provide customer support.
- Communication: To send you administrative information, updates, and promotional materials related to our services.
- Personalization: To personalize your experience on our website and tailor our services to your preferences.
- Analytics: To analyze usage patterns and improve our website and services.
- Compliance: To comply with legal obligations and protect our legal rights.
How We Share Your Information
- Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing.
- Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities, such as a court or government agency.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the new owner.
- Protection of Rights: We may disclose your information to protect the rights, property, or safety of NFG, our customers, or others.
Security of Your Information
We use a variety of security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include physical, technical, and administrative safeguards. However, no security system is impenetrable, and we cannot guarantee the absolute security of your information.
You have the right to access and correct your personal information. You can update your information by contacting us at the contact information provided below.
You can opt out of receiving promotional emails from us by following the unsubscribe instructions in those emails. You may also contact us to opt-out of other marketing communications.
You can set your browser to refuse cookies or alert you when cookies are being sent. However, some parts of our website may not function properly without cookies.
Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any website you visit.
Children's Privacy
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently received personal information from a child under 13, we will delete such information from our records.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new policy on our website and updating the effective date. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
Regulatory Compliance
NFG complies with all applicable federal and state privacy regulations, including but not limited to:
- HIPAA: Protecting the privacy and security of health information.
- GLBA: Ensuring the confidentiality and security of consumer financial information.
- CCPA: Providing California residents with rights regarding their personal information.
- GDPR: Although primarily for European residents, we aim to uphold similar standards for all our customers.
Your Rights Under CCPA
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You have the right to request that we disclose certain information about our collection and use of your personal information over the past 12 months.
- Right to Delete: You have the right to request that we delete your personal information, subject to certain exceptions.
- Right to Opt-Out: You have the right to opt out of the sale of your personal information. Note that NFG does not sell personal information to third parties.
- Right to Non-Discrimination: You have the right not to be discriminated against for exercising your CCPA rights.
Acceptance of Privacy Policy
By using our services, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree with our policies and practices, you should not use our services.
Effective Date
This Privacy Policy is effective as of [Effective Date] and will remain in effect until updated. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
Your privacy is important to us. Ninous Financial Group is dedicated to protecting the confidentiality and security of your personal information. We appreciate your trust and are committed to handling your personal information in a responsible manner.
