BTO FINANCIAL WEBSITE PRIVACY POLICY

Effective Date: 01/01/2026

BTO Financial (“Company,” “we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website and related digital services.

By using this website, you consent to the practices described in this Privacy Policy.

INFORMATION WE COLLECT

We may collect the following categories of information.

Personal Information You Provide
When you submit forms, schedule appointments, or contact us, you may provide your full name, email address, phone number, mailing address, age or date of birth, insurance-related interests, general financial goals, and any other information you voluntarily submit.

Automatically Collected Information
When you visit our website, we may automatically collect your IP address, browser type, device information, pages visited, time spent on the site, referring URLs, and data collected through cookies or similar technologies.

HOW WE USE YOUR INFORMATION

We use collected information to respond to inquiries and requests, schedule and manage appointments, provide educational information related to insurance and financial planning, improve website functionality and user experience, send appointment confirmations and follow-ups, and comply with legal, regulatory, and licensing requirements.

We do not provide personalized insurance advice without a licensed agent consultation.

SHARING OF INFORMATION

We do not sell your personal information.

We may share information only with licensed insurance agents affiliated with BTO Financial, service providers that support our business operations such as CRM, email, SMS, and scheduling platforms, and regulatory or legal authorities when required by law. All service providers are required to maintain confidentiality and reasonable data security standards.

NON SHARING CLAUSE:

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar technologies to ensure website functionality, analyze traffic patterns, and improve user experience. You may disable cookies through your browser settings, though some features of the website may not function properly.

DATA SECURITY

We implement reasonable administrative, technical, and physical safeguards to protect personal information. While no system is completely secure, we take appropriate steps to reduce the risk of unauthorized access, disclosure, or misuse.

THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies independently.

CHILDREN’S PRIVACY

This website is not intended for individuals under the age of eighteen. We do not knowingly collect personal information from minors.

YOUR RIGHTS AND CHOICES

Depending on your jurisdiction, you may have the right to request access to your personal data, request corrections or deletion, or opt out of non-essential communications. Requests may be submitted using the contact information below.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.

CONTACT INFORMATION

BTO Financial Group
Email: [email protected]
Phone: 346-584-2454