Effective Date: 04/2025

At Beltran Group Financial Solutions, your privacy is important to us. We are committed to protecting the personal information you share with us and maintaining your trust. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you engage with our life insurance and annuity services.

We collect personal information necessary to provide you with life insurance and annuity products and services. This includes:

· Identifying Information: Name, address, phone number, email address, date of birth, Social Security number

· Financial Information: Income, assets, banking information, credit history

· Health Information: Medical history, prescription history, medical records (as needed for underwriting)

· Policy Information: Policy numbers, coverage details, beneficiary information

We use your information to:

· Evaluate your application for life insurance or annuities

· Underwrite and issue policies

· Process payments and claims

· Provide customer service and account management

· Comply with legal and regulatory obligations

· Communicate important policy updates or promotional offers (where allowed by law)

We do not sell your personal information. We may share your information with:

· Insurance carriers and underwriters to process your application

· Licensed agents or representatives assisting with your policy

· Medical professionals and consumer reporting agencies (with your consent)

· Regulatory authorities or legal entities, as required by law

· Service providers who help us operate our business (e.g., IT support, payment processing), under confidentiality agreements

We maintain physical, electronic, and procedural safeguards to protect your personal information. These include:

· Secure data storage and encryption

· Limited access to personal data by authorized personnel only

· Regular reviews of our security practices

Depending on your location, you may have rights regarding your personal data, including:

· The right to access and correct your personal information

· The right to request deletion of your data

· The right to opt-out of certain types of data sharing

To exercise these rights, please contact us using the details below.

If you visit our website, we may collect non-personal data via cookies and analytics tools to improve site functionality and user experience. You can manage your cookie preferences through your browser settings.

We may update this Privacy Policy from time to time. Any changes will be posted here with an updated effective date.