Privacy Policy

Effective Date: 29 Sep 2024
Last Updated: 2 May 2026

Reformed Finance (“Reformed Finance,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit reformedfinance.net, contact us, schedule a call, subscribe to our content, download resources, attend an event, or otherwise interact with us.

By using this website or providing information to us, you acknowledge that you have read and understood this Privacy Policy.

1. Scope of This Policy

This Privacy Policy applies to information collected through:

  • Our website, reformedfinance.net
  • Contact forms, scheduling forms, intake forms, email, phone, and other communications
  • Newsletter signups, downloadable resources, event registrations, or educational materials
  • Client or prospective-client interactions related to financial education, insurance strategy, and the Infinite Banking Concept®

This Policy does not apply to third-party websites, platforms, insurance carriers, scheduling tools, payment processors, email providers, analytics providers, or other services that we do not control.

2. Information We Collect

We may collect the following categories of personal information.

A. Information You Provide Directly

You may provide information when you contact us, schedule a meeting, request information, complete an intake form, subscribe to communications, or become a client. This may include:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • State of residence
  • General financial information you choose to provide
  • Family or household information relevant to insurance planning
  • Employment, income, savings, debt, or financial-goal information
  • Citizenship or residency-related information when relevant to determining whether we can begin a client relationship
  • Information related to insurance applications, underwriting, or policy servicing
  • Communications, questions, notes, or other information you voluntarily provide

Please do not submit sensitive personal information unless it is necessary for the purpose of your interaction with us.

B. Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies, analytics tools, server logs, and similar technologies. This may include:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Referring website
  • Pages viewed
  • Time spent on pages
  • Approximate geographic location
  • Date and time of visit
  • Interactions with website content

C. Information From Third Parties

We may receive information from third parties, such as:

  • Scheduling platforms
  • Email marketing platforms
  • Customer relationship management systems
  • Insurance carriers
  • Insurance general agencies, marketing organizations, or administrative partners
  • Referral sources
  • Payment processors
  • Analytics providers

3. How We Use Personal Information

We may use personal information for the following purposes:

A. To Communicate With You

We may use your information to:

  • Respond to inquiries
  • Schedule calls or meetings
  • Send confirmations, reminders, or follow-up communications
  • Provide educational content
  • Send newsletters or updates
  • Answer questions about our services

B. To Provide Services

We may use your information to:

  • Evaluate whether our services are appropriate for your situation
  • Provide financial education and strategy discussions
  • Assist with insurance-related planning and policy design
  • Prepare for client meetings
  • Support application, underwriting, policy placement, and policy service processes
  • Maintain client records
  • Provide ongoing coaching, review, or administrative support

C. To Improve Our Website and Business

We may use information to:

  • Understand website traffic and visitor behavior
  • Improve website functionality
  • Improve educational content
  • Evaluate marketing effectiveness
  • Troubleshoot technical issues
  • Maintain business records
  • Protect against misuse, fraud, or unauthorized access

D. To Comply With Legal and Regulatory Obligations

We may use information to:

  • Comply with applicable insurance, tax, privacy, consumer-protection, or financial-services laws
  • Respond to lawful requests from regulators, courts, law enforcement, or government authorities
  • Maintain records required by law or regulation
  • Protect our legal rights, clients, website, and business operations

4. Financial, Insurance, and Nonpublic Personal Information

Because Reformed Finance may discuss or facilitate insurance-related strategies, certain information you provide may be considered financial, insurance, underwriting, or nonpublic personal information.

To the extent applicable, we handle such information in accordance with federal and state financial privacy, insurance privacy, and data-protection requirements, including the Gramm-Leach-Bliley Act and related rules where applicable.

We do not sell your nonpublic personal financial information. We may disclose such information only as permitted or required by law, including to insurance carriers, underwriting partners, service providers, regulatory authorities, or other parties necessary to provide requested services.

5. How We Share Personal Information

We may share personal information in the following circumstances.

A. Insurance Carriers and Related Insurance Partners

If you pursue an insurance strategy or application, we may share information with insurance carriers, general agencies, marketing organizations, underwriters, administrative partners, or other parties involved in the insurance process.

B. Service Providers

We may share information with vendors and service providers who help us operate our business, such as:

  • Website hosting providers
  • Email marketing platforms
  • Scheduling platforms
  • Customer relationship management systems
  • Data storage providers
  • Payment processors
  • Analytics providers
  • Administrative or technical support providers

These providers are authorized to use personal information only as necessary to provide services to us or as otherwise permitted by law.

C. Legal, Regulatory, or Safety Purposes

We may disclose information when we believe disclosure is necessary or appropriate to:

  • Comply with law, regulation, subpoena, court order, or legal process
  • Respond to lawful government or regulatory requests
  • Protect our rights, privacy, safety, or property
  • Protect the rights, privacy, safety, or property of others
  • Prevent fraud, abuse, or unauthorized access
  • Enforce our Terms of Service

D. Business Transfers

If Reformed Finance is involved in a merger, acquisition, restructuring, sale of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable law.

E. With Your Consent

We may share information for other purposes with your consent or at your direction.

6. We Do Not Sell Personal Information

Reformed Finance does not sell personal information for money.

Some state privacy laws define “sale,” “sharing,” or “targeted advertising” broadly. If we ever use advertising, analytics, tracking, or marketing tools in a way that qualifies as a “sale,” “sharing,” or “targeted advertising” under applicable law, we will provide any required notices and opt-out rights.

7. Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to:

  • Operate the website
  • Remember preferences
  • Understand website traffic
  • Improve user experience
  • Measure marketing effectiveness

You can control cookies through your browser settings. If you disable cookies, some website features may not function properly.

Where required by law, we will honor applicable cookie-consent preferences and opt-out preference signals.

8. Analytics

We may use analytics tools, such as Google Analytics or similar services, to understand how visitors use our website. These tools may collect information such as pages visited, time on site, browser type, device type, and referring pages.

You can learn more about Google Analytics opt-out options through Google’s available browser tools.

9. Email and Marketing Communications

If you subscribe to our newsletter or request educational materials, we may send you email communications.

You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in the email or contacting us directly. Even if you unsubscribe from marketing emails, we may still send administrative, transactional, or service-related communications.

10. Data Retention

We retain personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Retention periods may depend on:

  • The type of information
  • The reason it was collected
  • Whether you are a client, prospective client, subscriber, or website visitor
  • Legal, regulatory, insurance, tax, accounting, or recordkeeping obligations
  • The need to resolve disputes or enforce agreements

When information is no longer needed, we will delete, anonymize, or securely retain it in accordance with applicable law and business needs.

11. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no internet transmission, website, email system, or storage system is completely secure. We cannot guarantee absolute security.

You should avoid sending highly sensitive information by unsecured email unless specifically directed and appropriate safeguards are in place.

12. Your Privacy Rights

Depending on your state of residence and applicable law, you may have some or all of the following rights:

  • The right to know whether we process your personal information
  • The right to access personal information we maintain about you
  • The right to request correction of inaccurate personal information
  • The right to request deletion of personal information, subject to legal exceptions
  • The right to obtain a copy of certain personal information in a portable format
  • The right to opt out of sale, sharing, targeted advertising, or certain profiling, where applicable
  • The right to limit certain uses of sensitive personal information, where applicable
  • The right not to be discriminated against for exercising privacy rights
  • The right to appeal a denied privacy request, where applicable

To exercise privacy rights, contact us using the information in the “Contact Us” section below.

We may need to verify your identity before processing a request. We may deny or limit a request where permitted or required by law, including where retention is necessary for legal, regulatory, insurance, security, fraud-prevention, or service-related purposes.

13. California Privacy Notice

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, if those laws apply to us.

Categories of Personal Information We May Collect

In the past 12 months, we may have collected the following categories of personal information:

  • Identifiers, such as name, email address, phone number, mailing address, IP address
  • Customer records information, such as contact details and insurance-related information
  • Commercial information, such as services requested or purchased
  • Internet or network activity, such as website usage data
  • Geolocation information, limited to general approximate location derived from IP address
  • Professional or employment-related information, if you provide it
  • Financial, insurance, or underwriting-related information, if you provide it
  • Inferences drawn from your interactions with our website or services

Sources of Information

We may collect information from:

  • You
  • Your use of our website
  • Service providers
  • Insurance carriers or insurance-related partners
  • Referral sources
  • Analytics tools

Purposes for Collection

We collect and use information for the purposes described in this Privacy Policy, including communication, service delivery, insurance-related processes, website improvement, legal compliance, and business operations.

Disclosure of Information

We may disclose personal information to service providers, insurance carriers, administrative partners, analytics providers, legal or regulatory authorities, and other parties described in this Policy.

Sale or Sharing

We do not sell personal information for money. If our use of advertising or analytics tools is considered “sharing” or a “sale” under California law, California residents may have the right to opt out.

Sensitive Personal Information

We do not use sensitive personal information to infer characteristics about you. We use sensitive information only as reasonably necessary to provide requested services, process insurance-related matters, comply with law, or for other permitted purposes.

14. Other State Privacy Rights

Residents of certain states may have additional privacy rights under applicable state consumer privacy laws. These laws may include rights to access, correct, delete, obtain a copy of data, opt out of certain data uses, and appeal denied requests.

We will honor applicable state privacy rights where required by law.

15. Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13.

If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete it.

16. Third-Party Links

Our website may contain links to third-party websites, tools, videos, resources, social media platforms, insurance carriers, scheduling systems, or other services.

We are not responsible for the privacy practices, content, policies, or security of third-party websites or services. You should review their privacy policies before providing information to them.

17. Do Not Track and Opt-Out Preference Signals

Some browsers provide “Do Not Track” or similar signals. Because there is not a uniform industry standard for responding to all such signals, our website may not respond to every Do Not Track signal.

Where required by applicable law, we will honor legally recognized opt-out preference signals.

18. International Visitors

Reformed Finance is based in the United States and is intended primarily for U.S. residents. If you access the website from outside the United States, you understand that your information may be processed in the United States, where privacy laws may differ from those in your jurisdiction.

We do not offer insurance products or services outside jurisdictions where we are properly licensed or authorized.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last Updated” date.

Your continued use of the website after changes are posted means you acknowledge the updated Privacy Policy.

20. Contact Us

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

Reformed Finance
Website: reformedfinance.net
Email: re4medfinance@gmail.com
Phone: 702-527-1776

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