Privacy Policy

Effective Date:

Introduction

As a licensed representative of Primerica Financial Services operating in California, we are committed to protecting your privacy and complying with applicable financial services regulations. Your privacy is paramount, and we maintain transparency about information collection and usage to enhance your financial services experience.

Please read this Privacy Policy carefully to understand our data practices. By accessing or using lourdeslopez.com (the "Website"), you acknowledge review and consent to these terms.

Questions about our privacy practices? Contact us using the information at the end of this policy. Your feedback helps us improve and uphold your privacy rights.

By using the Website, you agree to this Privacy Policy and our Terms of Use. If you disagree with our practices, please refrain from using the Website. To work with us without using the Website, contact us at llopez.pfs@gmail.com.

Information Collection

Collection of Personal Information

When browsing our website without submitting personal information via web forms, we do not collect personally identifiable information. You can use the Website anonymously during casual visits.

Web Forms

Users who contact us via web forms to request consultations or financial information provide required personal information: first name, last name, email address, phone number, and ZIP code (collectively "Personally Identifiable Information"). We may also collect information about your financial goals, current financial situation, and service interests to better serve your needs.

Non-Personal Information

We do not collect non-personal information or usage data to track or profile visitors. We do not engage in data tracking or profiling activities.

Information Collected by Third-Party Services

To ensure seamless website functionality and improve user experience, we utilize third-party embedded services. Our Website includes Calendly (for appointment scheduling) and Vimeo (for educational videos), which may collect information and use cookies according to their respective privacy policies.

These third-party services operate independently. We are not responsible for their data handling practices. Please review their privacy policies: Calendly Privacy Policy and Vimeo Privacy Policy.

Use of Collected Information

We collect minimal personal information to make consultation scheduling and financial services communication more efficient. We maintain transparency about information usage and prioritize your privacy. The following purposes guide our use of collected information:

Communication

We use your email address and phone number to communicate regarding consultations, financial services, policy changes, and appointment scheduling. These communications are essential for maintaining satisfactory client relationships.

We use your first and last name to personalize communications and ensure professional service delivery.

Financial Services

We use your ZIP code to provide accurate information about available services and local regulations. Information about financial goals and current situation helps us tailor educational materials and service recommendations to your needs.

Educational Updates

If you subscribe to our educational materials, newsletters, or financial planning updates, we use your email address to send relevant information about financial planning strategies, market insights, and service offerings. You can opt-in or opt-out of these communications anytime. We respect your preferences and will not send materials without explicit consent.

We do not share your email address or personal information with third parties for marketing purposes. Your data remains secure within our professional financial services platform.

We do not share, sell, rent, or disclose user-provided data, including email addresses, to third-party entities, except for embedded third-party services described below and as required by financial services regulations.

Data Shared with Third-Party Services

The Website includes embedded third-party services for enhanced functionality. Calendly (appointment scheduling) and Vimeo (educational videos) may collect information according to their privacy policies when you interact with their embedded content.

These services help provide professional financial services but operate independently. We are not responsible for their data handling. Review their privacy policies: Calendly Privacy Policy and Vimeo Privacy Policy.

Legal and Regulatory Requirements

We may disclose personal information when required by law, court order, or government agency request. As a licensed financial services representative, we may be required to maintain and share certain records with regulatory bodies including FINRA, SEC, or state insurance departments.

If Lourdes Lopez enters partnerships or business transitions such as mergers, acquisitions, or sales, your personal information may transfer as part of assets. We will notify you of changes to data sharing practices and obtain consent if necessary, in accordance with applicable laws.

By accessing the Website, you agree to practices described in this Privacy Policy and Terms of Use.

By submitting forms on the Website and providing Personally Identifiable Information, you acknowledge reading and understanding this Privacy Policy. Your form submission constitutes voluntary consent to collection, use, and disclosure of personal information according to outlined purposes.

Communication Preferences

During or after form submission, you may opt into educational materials, newsletters, and financial planning communications. However, you are not obligated to do so, and opting in or out is entirely optional.

To modify communication preferences or unsubscribe from educational materials, use the "Unsubscribe" link in email communications or contact us using information at the end of this policy.

You have the right to withdraw or modify consent regarding collection and use of personal information anytime. If you withdraw consent, our services may no longer be available to you, as communication relies on your consent.

To change consent preferences or request personal information deletion, contact us using information at the end of this policy.

The Website is not intended for individuals under 18 ("minors"). We do not knowingly collect personal information from minors. If you are a parent or guardian believing your child provided information without consent, contact us immediately using information at the end of this policy. We will take appropriate steps to remove information from our systems.

Cookies and Similar Technologies

We do not use cookies or similar technologies directly. However, embedded third-party services (Calendly and Vimeo) may use cookies when you interact with their content. We do not collect or store information about your browsing behavior through such means.

Data Security

We implement robust measures protecting your information from unauthorized access, disclosure, or misuse. Our data security practices include:

Data Storage

We use secure data storage systems with built-in security features appropriate for financial services information. Access controls are regularly reviewed and updated to enhance data security and maintain personal information integrity.

Secure Data Transmission

All data transmitted between your device and our servers is encrypted using industry-standard Secure Socket Layer (SSL) or Transport Layer Security (TLS) protocols. This encryption ensures information confidentiality during transmission and prevents interception by malicious actors.

Internal Access Controls

Access to personal information is limited to authorized personnel requiring it for financial services duties, consultation scheduling, and client support. Our team receives comprehensive training on data security, privacy, and handling practices ensuring maximum information protection.

Regular Security Audits

We conduct regular security audits and assessments identifying and addressing potential system vulnerabilities. These audits maintain the highest data security level and effectively safeguard personal information.

While we implement stringent security measures, no data transmission or storage method is entirely secure. Although we strive to protect personal information, we cannot guarantee absolute security of transmitted information.

Data Breach Notification

In the unlikely event of a data breach compromising personal information and posing risk to your rights and freedoms, we commit to promptly notifying you and appropriate supervisory authorities as required by applicable data protection laws.

Data Retention

We retain personal information only as long as necessary to fulfill Privacy Policy purposes or as required by law. We adhere to the following data retention practices:

User Data Retention

For users submitting Website forms, we retain Personally Identifiable Information until you request deletion. Your data remains in our systems to facilitate communication and financial services support.

Data Deletion Upon Request

You have the right to request account and personal information deletion from the Website anytime. Upon receiving such requests, we will promptly and permanently delete all associated account data from databases and backups within ten (10) business days.

Exceptions

In certain cases, we may be required by law or legitimate business purposes to retain information even after account deletion requests. However, retained data will continue protection under this Privacy Policy terms.

While we take reasonable measures removing data from active databases, backups and archival copies may take time to update or purge. However, such data will no longer be actively used or accessible.

User Rights

As a Website user, you have certain rights regarding personal information, governed by California State laws and applicable regulations, including the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA).

Right to Access

You have the right to request access to personal information we hold about you. To obtain a copy of your data or inquire about data types we process, contact us using information at the end of this policy.

Right to Correct

If you believe personal information in our possession is inaccurate or incomplete, you have the right to request corrections. Contact us to make necessary adjustments using contact information at the end of this policy.

Right to Restrict Processing

In certain circumstances, you may request to restrict processing of personal data. If you exercise this right, we will store your data but not use or process it further until restriction is lifted or alternative resolution is reached.

How to Exercise Your Rights

To exercise rights regarding personal information, or if you have questions or concerns about data practices, contact us using information at the end of this policy. We will respond to requests as required by law within reasonable timeframes.

If you are covered by General Data Protection Regulation (GDPR) or California Consumer Privacy Act (CCPA), you also have rights outlined above. We respect privacy rights and will handle personal information according to applicable data protection laws.

While we strive to protect rights and privacy, certain exemptions and limitations to these rights may apply under law.

California Consumer Privacy Act (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides specific rights regarding personal information. This section outlines your CCPA rights and how to exercise them.

Categories of Personal Information We Collect

Under CCPA, we may collect the following personal information categories:

Identifiers: Name, email address, phone number, IP address
Commercial Information: Records of financial services requested, consultations, communications
Financial Information: Information about financial goals, current financial situation, service interests
Professional Information: Business-related information provided in forms or communications

How We Use Personal Information

We use personal information for the following business purposes:

Providing and maintaining financial services
Responding to inquiries and providing client support
Educational and promotional communications (with consent)
Website functionality and improvement
Legal compliance and protection of rights
Regulatory reporting requirements

Your CCPA Rights

As a California resident, you have the following rights:

Right to Know

You have the right to request information about categories and specific pieces of personal information collected about you in the past 12 months, including:

Categories of personal information collected
Sources of personal information
Business or commercial purposes for collection
Categories of third parties with whom we share personal information

Right to Delete

You have the right to request deletion of personal information from the Website. Upon receiving such requests, we will promptly and permanently delete all associated account data, unless retention is required for legal or legitimate business purposes, as explained in the Data Retention section.

Right to Opt-Out of Sale

We do not sell personal information to third parties. If our practices change, we will update this policy and provide you with the right to opt-out.

Right to Non-Discrimination

We will not discriminate against you for exercising CCPA rights, including by:

Denying goods or services
Charging different prices or rates
Providing different service quality levels
Suggesting you will receive different pricing or service quality

How to Exercise Your CCPA Rights

To exercise CCPA rights, contact us at llopez.pfs@gmail.com. We will verify your identity before processing requests and respond within 45 days (with possible 45-day extension if needed).

For verification purposes, we may request additional information confirming identity and California residency.

Authorized Agents

You may designate an authorized agent to make requests on your behalf. The authorized agent must provide proof of authorization and you must verify identity directly with us.

Children's Privacy

The Website is not intended for individuals under 18 ("minors"). We do not knowingly collect personal information from minors. If you are under 18, please do not provide personal information on the Website.

If you are a parent or guardian believing your child provided information without consent, contact us immediately. We will take appropriate steps removing information from our systems.

We strongly encourage parents and guardians to monitor children's online activities and help enforce this policy by ensuring minors do not provide personal information through the Website.

International Data Transfers

We are based in the United States, and data storage and processing activities primarily occur within this region. We do not transfer personal data to countries or regions outside the United States.

By using the Website and providing personal information, you understand and consent to data processing and storage within the United States.

Financial Services Privacy Requirements

FINRA and SEC Compliance

As a licensed representative of Primerica Financial Services, we maintain records and handle personal information according to Financial Industry Regulatory Authority (FINRA) and Securities and Exchange Commission (SEC) requirements. Some information may be retained longer than requested for regulatory compliance purposes.

Client Information Protection

We follow industry best practices for protecting client financial information, including compliance with Gramm-Leach-Bliley Act requirements and other applicable financial privacy regulations.

Changes to the Privacy Policy

As the Website evolves, we may update or modify this Privacy Policy reflecting changes in data practices or legal requirements. We encourage periodic review of this policy staying informed about personal information handling.

Notification of Policy Updates

You will not receive direct notifications about policy updates. However, we will indicate the "Effective Date" at the top of this Privacy Policy providing clarity on when the policy was last revised.

Your Continued Use

By continuing Website use after Privacy Policy updates, you acknowledge and agree to revised terms. If you disagree with changes or any part of this policy, you may discontinue Website use.

Contact Information

If you have questions, concerns, or inquiries about privacy practices or this Privacy Policy, please reach out to us. Contact our Privacy Team via email at llopez.pfs@gmail.com.

We are dedicated to addressing privacy-related concerns promptly and ensuring your Website experience is safe, secure, and aligned with privacy preferences.