Privacy Policy

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Protecting your personal information is very important to us. We are committed to giving your personal information all the protection required by law and using it in accordance with applicable law. This privacy policy outlines the types of information that we collect, why we collect it, how we use it, with whom we share it, and how you may review, amend, or correct it.

To provide you with our products and services, we may collect personal information from a variety of sources, including but not limited to:

• Information we receive from your application or other forms. This may include your name, address, health and financial information, and may be received in person, by regular mail, by phone, by facsimile, or the internet.
• Information about your transactions with us, our affiliates or others. This may include, among other things, information to adjust, investigate, or settle your insurance claims, your claims history, billing and payment information, and coverage selections.
• Information we receive from consumer reporting agencies. This information is generally used in connection with the application process. It may include motor vehicle reports, prior claim data, credit history and information we receive from a customer report or investigative consumer reports, medical records and reports, and/or other information relevant to underwriting your business, administering your business, or processing a claim.

We do not intentionally communicate with children under the age of 13 or sell them products or services. We may request specific information about a child from parents to properly quote an insurance policy or verify identities. We do not retain information about minors other than what is necessary to provide you with requested products or services.

We do not sell or rent customer information. We may disclose your personal information as permitted or required by law.

• If we disclose personal information about you to our affiliates, the information will be disclosed to respond to your needs and to provide information about products or services offered through our affiliates.
• We may share information among our affiliates about your accounts or our experiences or transactions with you. This includes identification information, account balance information and payment histories.
• To underwrite your insurance, we may share your consumer report or investigative consumer report to our affiliates.
• By applying for insurance with us, you consent to our sharing of this information with our affiliates and your agent of record.
• We will not otherwise share your consumer report or investigative consumer reports.
• We may disclose non-public personal information in connection with the servicing or processing of an insurance product or service that you request or authorize. These services may include check processing, data processing and claims handling functions.
• We may also disclose personal information with nonaffiliated third parties that perform marketing services on our behalf, with other financial institutions with whom we have joint marketing agreements, or as permitted by law.
• We may disclose personal information about you to our nonaffiliated vendors and/or business partners. The personal information will be disclosed in a deidentified manner.

• We restrict access to your personal information to those employees and other parties necessary to provide products or services to you.
• We maintain physical, electronic, and procedural safeguards to guard your non-public personal information.
• You have the right to gain access to recorded personal information by written request. You have the right to review and request to amend, correct, or delete the information collected. We may make any amendment or correction requested by you but if we do not, we will provide adequate reasons for our decision.

We may share certain information among our affiliated companies so they may offer products and services to you. You may limit some of this marketing by contacting us via the methods described below. Your choice will apply to all people listed on your policy.

We may collect data about your use of our services using small files called cookies. We may also collect data that your browser sends to us, such as your IP address, browser type, location, language, access time and the website addresses you came from to find us. We use that data to analyze trends, to administer the site, to track movements around the site, and to gather demographic data. By continuing to browse the site, you are agreeing to our use of cookies. If you don't want us to use cookies when you use our websites, you can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it or decline at any time. If you block cookies, some of the features on the site may not function. You can find more information about how to manage cookies for commonly used browsers at www.allaboutcookies.org/manage-cookies/. You can also find out how to delete cookies already stored on your device at www.allaboutcookies.org/manage-cookies/clear-cookies-installed.html.

We sometimes use other sources, including social media, to communicate with customers, potential customers, employees and potential employees. These sites and applications include things we develop ourselves and certain third-party platforms such as Facebook, Twitter, LinkedIn or Instagram. Those third-party websites and applications are not operated or controlled by us. When using those services, you may reveal personal information to us and to third parties. Please carefully read the privacy policies of those third-party platforms before posting any non-public information.

Our employees will not use, share or retain your personal information from a social media or other third-party service except as necessary to respond to a specific message or request from you, to provide services to you, or to comply with legal requirements.

If you end your relationship with us, we will continue to adhere to the policies and practices described in this privacy promise for as long as we have your information.

Further Information: If you have any additional questions about this privacy policy or concerns regarding your personal information, you may contact or notify us through our “Contact Us” page on our website https://cristerofinancial.com or you may write us at Cristero Financial, 19060 Everett Blvd., Suite 201, Mokena, IL 60448.

California residents can read our California Consumer Privacy Act (CCPA) information here.