Effective Date: [May 20, 2023]

At Libron-Duerme & Associates, we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you use our website and engage our insurance and retirement planning services. By using our website or providing us with your personal information, you consent to the practices described in this Privacy Policy.

1. Information We Collect

   1.1 Personal Information: We may collect personal information that you provide to us, such as your name, address, email address, phone number, date of birth, and other relevant details necessary for providing our services.

   1.2 Website Usage Information: We may collect information about your interactions with our website, including your IP address, browser type, device information, pages visited, and other statistical data to enhance your browsing experience and improve our website’s functionality.

   1.3 Cookies and Similar Technologies: We may use cookies, web beacons, and other similar technologies to collect information about your browsing preferences and activities on our website. You have the option to disable cookies through your browser settings, although this may limit certain features of our website.

2. Use of Personal Information 2.1

   We may use the personal information we collect to:

   a. Provide and deliver our insurance and retirement planning services.

   b. Customize and personalize our services to meet your specific needs.

   c. Communicate with you, respond to your inquiries, and provide customer support.

   d. Send you relevant updates, newsletters, marketing communications, and promotional offers.

   e. Analyze and improve our services, website, and business operations. f. Comply with legal obligations and enforce our rights and agreements.

3. Disclosure of Personal Information

   3.1 We may disclose your personal information to:

   a. Third-party service providers who assist us in delivering our services, such as insurance providers, financial institutions, or technology partners.

   b. Law enforcement agencies, regulatory bodies, or other third parties as required by applicable laws, court orders, or government regulations.

   c. Our professional advisors, including lawyers, accountants, or auditors, for legal, accounting, or compliance purposes.

   3.2 We do not sell, rent, or trade your personal information to third parties for marketing purposes without your consent.

4. Data Security 4.1

   We implement appropriate technical and organizational measures to safeguard your personal information from unauthorized access, disclosure, alteration, or destruction.

   4.2 Despite our efforts, no security system is completely impenetrable. We cannot guarantee the absolute security of your personal information transmitted through our website or stored in our systems.

5. Retention of Personal Information

   5.1 We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

   5.2 We will securely dispose of or anonymize your personal information when it is no longer needed for the purposes stated in this Privacy Policy.

6. Your Privacy Choices

   6.1 You have the right to access, update, correct, or delete your personal information in our records. You can also opt out of receiving marketing communications from us by following the instructions provided in our communications.

   6.2 Please note that certain information may be necessary for us to provide our services, and deleting such information may limit or prevent us from delivering our services effectively.

7. Children’s Privacy 7.1 Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete it promptly.

8. Changes to this Privacy Policy

   8.1 We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the revised Privacy Policy on our website or by other means of communication.

   8.2 We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your personal information.

9. Contact Us

   9.1 If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us using the contact information provided on our website.

Thank you for taking the time to review our Privacy Policy.