Privacy Statement

Our Commitment to Your Privacy

At Solvera Insurance Advisors, we are committed to protecting the confidentiality and security of the personal information you entrust to us. Your privacy is paramount, and we follow strict guidelines regarding the collection, use, and disclosure of your Nonpublic Personal Information (NPI), as defined by the Gramm-Leach-Bliley Act (GLBA). This statement outlines our policies and practices.

What Information We Collect

We collect Nonpublic Personal Information (NPI) only as necessary to provide you with accurate insurance quotes, process applications, and service your policies.

We collect information from the following sources:

• Information You Provide Directly: Data from applications, request forms, and verbal discussions, including your name, address, phone number, email, date of birth, marital status, and policy preferences.

• Health Information: Health history, prescription drug usage, and lifestyle details, which are necessary for underwriting Life Insurance and determining eligibility for Medicare plans. This information is handled with the utmost care and in accordance with relevant health privacy rules.

• Transaction Information: Details about your policies, premiums, payment history, and claims history.

• Website Usage: Non-personal data such as IP address, browser type, and pages visited (collected via standard web analytics) to improve website functionality, but not to personally identify you.

How We Use Your Information

The information we collect is used solely for the purpose of providing the insurance and financial services you request.

• Quoting and Underwriting: To obtain accurate, competitive quotes from insurance carriers and to process your application for coverage.

• Servicing Your Account: To manage your existing policies, process changes, and assist with billing or claims inquiries.

• Legal and Regulatory Compliance: To comply with state and federal laws and satisfy regulatory requirements (e.g., anti-money laundering laws).

Information Sharing and Disclosure

We are an independent insurance advisor, and our primary business is to work for you.

We Will NEVER Sell Your Information

We do not sell, rent, or trade your Nonpublic Personal Information with unaffiliated third parties for their independent marketing or solicitation purposes. You do not need to opt out of us selling your data because we simply do not do it.

When We Share Information

We only share your information with unaffiliated third parties as required and permitted by law or when necessary to provide the services you have requested: