Privacy Policy – Real Financial

Effective Date: 01/01/2025

1. Introduction

At Real Financial (“we,” “us,” or “our”), protecting the privacy and security of personal information is a cornerstone of trust. This Privacy Policy explains how we collect, use, share, safeguard, and allow access to information from our clients and agents.

2. Information We Collect

From Clients and Agents: We may collect personal information such as name, contact details, financial background, employment history, insurance needs, and any other details necessary for insurance quoting and underwriting.

Special Categories: Where applicable, we may also handle sensitive personal data—such as health or criminal history—depending on products requested.

Purposes: Collected information enables us to provide quotes, process insurance products, assess eligibility, and personalize recommendations.

3. How We Use Your Information

Insurance Carriers: We share data with insurance carriers to obtain quotes, issue policies, and service products.

Financial Scoring: We share relevant client information with a trusted financial scoring team to better understand clients’ financial situation and goals, helping us offer suitable solutions.

Other Uses: Additional uses include operational purposes (e.g., servicing accounts), compliance with legal obligations, fraud prevention, and improving our service offerings.

4. Legal Basis & GLBA Compliance

As a financial institution, we comply with the Gramm–Leach‑Bliley Act, which requires us to:

Provide clear privacy notices when a client relationship is established and, where necessary, annually thereafter  .

Explain what data we collect, how it is used, and with whom it is shared.

Offer clients the right to opt out of sharing with non-affiliated third parties where required  .

5. Disclosure & Consent

We only share personal information with parties involved in servicing your insurance needs (e.g., carriers, scoring partners), unless you provide your consent or we’re required by law.

Clients will be clearly informed—and given the opportunity to consent or opt-out—before sharing their data for purposes beyond those essential to insurance servicing.

6. Data Integrity, Security & Retention

We implement strong security measures—such as access control, encryption, and secure authentication—to protect personal information  .

Internal access to personal data is limited to personnel with a legitimate need.

We retain personal information only for as long as necessary for business or legal reasons, then securely dispose of it.

7. Your Rights & Choices

Clients have the following rights (where applicable by law):

Access and Correction: Request review or correction of personal data.

Opt‑Out: Decline the sharing of your data with unaffiliated third parties, except when required to provide requested services or mandated by law (e.g., insurance regulation)  .

California-Specific Rights: For residents of California: under the CCPA, you may request details of data shared and opt out of “sales” of personal information; under the “Shine the Light” law, you can request disclosure of data shared for marketing purposes  .

8. Children’s Privacy

We do not knowingly collect personal information from individuals under the age of 13. If aware of such data, we will promptly delete it.

9. Changes to This Policy

We may update this Privacy Policy periodically. Whenever significant changes occur, we will notify you and post the revised version. Clients may be asked to re-consent to materially different practices.

10. Contact Us

If you have questions, wish to access or correct your information, or wish to opt out of certain data sharing, please contact:

Email: support@realfinancial.com

Address: 11411 Southern Highlands Pkwy STE 200, Las Vegas NV, 89141