Privacy Policy

Last Updated: December 08, 2025

This Privacy Policy explains how BCW Financial LLC (“BCW Financial,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information in connection with our insurance‑related products and services in the United States, including through our websites, mobile applications, and other online services (collectively, the “Services”).

By using our Services or providing personal information to us, you agree to the practices described in this Privacy Policy, as permitted by applicable law.

1. Information we collect

Depending on how you interact with us and the products you request, we may collect the following categories of information:

Identifiers and contact information: Name, postal address, email address, telephone number, date of birth, policy or account numbers, online identifiers, and IP address.
Policy, billing, and claims information: Application data, coverage selections, premium and payment information, claim details, loss history, and communications related to your policies and claims.
Demographic and risk‑related information: Age, gender, marital status, household information, occupation, driving records, property characteristics, and other information used to underwrite or service policies.
Health and medical information (where applicable): Limited medical or health‑related information needed to underwrite, service, or pay claims for certain lines of insurance, subject to additional protections under applicable law.
Internet and device information: Log data, browser type, device identifiers, pages visited, interaction with emails and ads, and cookies or similar technologies used to operate and improve our Services.

We may collect information:

Directly from you (such as when you request a quote, apply for a policy, or contact us).
From your agents or representatives.
From our affiliates.
From service providers and other third parties (such as data brokers, consumer reporting agencies, and marketing partners, where permitted by law).
From public records and publicly available sources.

2. How we use personal information

We use personal information for the following purposes:

Providing and servicing insurance products: Processing applications, underwriting, issuing policies, administering accounts, billing, and paying claims.
Customer support and communications: Responding to inquiries, providing account and policy information, sending notices about changes, renewals, and updates.
Marketing and lead management: Offering products and services, including by email, phone, and text message where permitted by law, and managing marketing preferences.
Risk management, fraud prevention, and security: Detecting and preventing fraud, unauthorized transactions, abuse, and security incidents; maintaining the integrity of our systems.
Legal, regulatory, and business purposes: Complying with applicable laws and regulations, managing our business, conducting audits, exercising or defending legal claims, and enforcing our terms and policies.
Analytics and improvements: Understanding how our Services are used, improving products, services, and user experience, and developing new offerings.

Where required by law (for example, for certain uses of health information or certain types of marketing), we will obtain your consent before using your information for additional purposes or sharing it with particular third parties.

3. How we share personal information

We may share personal information, as permitted or required by law, with:

Affiliates: Companies under common ownership or control that provide insurance or related services.
Service providers and vendors: Third parties that perform services on our behalf, such as information‑technology providers, billing and payment processors, claim adjusters, investigators, call‑center providers, brokers, agents, and marketing or analytics providers, subject to contractual confidentiality and security obligations.
Business partners, agents, and brokers: Insurance agents, brokers, marketing organizations, or other intermediaries who help place or manage coverage or work with us to provide services to you.
Government authorities, regulators, and law enforcement: When required to comply with legal obligations, respond to subpoenas or lawful requests, or protect our rights, customers, or the public.
Other third parties as permitted by law: For example, in connection with a corporate transaction such as a merger, acquisition, reorganization, or sale of assets, subject to appropriate safeguards.

We do not sell your nonpublic personal financial information as that term is used under the Gramm–Leach–Bliley Act (“GLBA”). Where required, we provide separate GLBA privacy notices describing our information‑sharing practices and your rights to opt out of certain sharing. Those GLBA notices will govern to the extent of any conflict with this Privacy Policy for GLBA‑covered information.

4. Cookies and online tracking

We and our service providers may use cookies, web beacons, pixels, and similar technologies to:

Operate and secure our websites and online Services.
Remember your preferences and improve user experience.
Analyze website traffic, usage patterns, and the effectiveness of our communications.
Support marketing and advertising, including interest‑based advertising, where permitted by law.

You can manage some cookie preferences through your browser settings, including blocking or deleting cookies. If you disable or reject certain cookies, some features of the Services may not function properly.

5. Data security

We use physical, technical, and administrative safeguards designed to protect personal information from unauthorized access, use, and disclosure, consistent with applicable law and industry standards for insurance entities. Despite these measures, no system can be guaranteed to be completely secure, and you should use appropriate care when sharing information online.

6. Data retention

We retain personal information for as long as reasonably necessary to:

Fulfill the purposes described in this Privacy Policy.
Provide and service insurance products and accounts.
Comply with legal and regulatory obligations (for example, insurance record‑keeping and reporting requirements).
Resolve disputes and enforce our agreements.

In many cases, this means we retain policy and claim records for the life of the policy and for a period of years after it ends, as required or permitted by applicable insurance and record‑retention laws. We may retain other categories of information for shorter periods, based on business needs and legal requirements.

7. Your privacy rights and choices

Depending on your state of residence and the nature of your relationship with us, you may have certain rights with respect to your personal information, which may include:

The right to know and access certain personal information we maintain about you.
The right to request correction or deletion of certain information, subject to legal and contractual exceptions (for example, we may be required to keep certain records for regulatory or claims‑handling purposes).
The right to receive information about how we collect, use, and share your information.
The right to limit certain uses or disclosures of sensitive information, where applicable under state law.

You may also have specific rights under state insurance privacy laws and GLBA, which are described in any separate privacy notices we provide to you as an insurance customer. Some state law rights do not apply to information that is subject to GLBA or other federal financial‑privacy laws; where that is the case, those federal laws and related notices will control.

To exercise your rights or to make a privacy‑related request, please contact us as described in Section 9 below. We may need to verify your identity before responding to your request, consistent with applicable law.

You may opt out of marketing emails by following the unsubscribe instructions in those messages. For text messages, you may opt out by replying STOP or using any other method described in the message. Even if you opt out of marketing communications, we may still send you non‑marketing messages relating to your policies, accounts, or transactions.

8. Children’s privacy

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 without appropriate consent as required by law. If we become aware that we have collected such information in violation of applicable law, we will take steps to delete it or obtain appropriate consent.

9. Contact us

If you have questions about this Privacy Policy or our privacy practices, or wish to exercise your privacy rights, please contact us at:

BCW Financial LLC

Attn: Privacy Office
235 Peachtree Street NE
Atlanta, GA 30303
Phone: 704‑756‑8555
Email: bcwfinancial@gmail.com

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other factors. When we make material changes, we will post the updated policy on our website and update the “Last Updated” date above. Your continued use of the Services after such changes become effective constitutes your acceptance of the revised policy, subject to any additional rights you may have under applicable law.