Privacy Policy

1. Scope and Definitions

This policy covers data we process through our website, forms, email, and analytics tools. In this policy:

• "Personal Data" means information that identifies or can reasonably identify you.
• "Usage Data" means technical and interaction data collected automatically.
• "Service Providers" means third parties that process data on our behalf.

2. Information We Collect

2.1 Information you provide directly

• Name, email address, phone number, and other contact details.
• Information submitted in forms, quote requests, or support inquiries.
• Business information voluntarily provided during partnership conversations.

2.2 Information collected automatically

• IP address, browser type/version, device identifiers, operating system.
• Referrer URLs, pages visited, click behavior, session timing, and interaction events.
• Approximate location inferred from IP address.

2.3 Cookies and similar technologies

We use cookies, pixels, local storage, and similar tools to keep the site working, measure performance, and understand visitor behavior.

3. How We Use Information

• Provide, operate, and improve our Services and user experience.
• Respond to inquiries, support requests, and business communications.
• Monitor performance, security, fraud prevention, and abuse prevention.
• Measure campaign effectiveness and optimize content and conversion pathways.
• Comply with legal obligations and enforce our terms, policies, and rights.

4. Insurance and Regulatory Context

Liberty Vanguard supports insurance-related brands, but we are not an insurance carrier. Coverage options, eligibility, premiums, and final policy terms are set by licensed carriers, agencies, or advisors under applicable law.

5. Legal Bases for Processing

When required by law, we rely on one or more legal bases:

• Your consent.
• Performance of a contract or pre-contract request.
• Legitimate business interests that are not overridden by your rights.
• Compliance with legal obligations.

6. Disclosure of Information

We share Personal Data only when reasonably necessary:

• With Service Providers for hosting, analytics, communications, and infrastructure.
• With business partners when needed to fulfill requested services.
• With professional advisors (legal, accounting, compliance) under confidentiality duties.
• As part of merger, sale, financing, or business transfer transactions.
• When required by law, court order, or to protect rights, safety, and integrity.

We do not sell Personal Data for monetary compensation.

7. Communication Consent and Contact Preferences

When you submit contact details, you consent to communications related to your request, including email, phone, and text messages where permitted by law and your consent.

• Message and data rates may apply for text communications.
• Message frequency may vary by inquiry type and service request.
• You may opt out of marketing messages at any time.
• Consent to communications is not a condition of purchase where prohibited by law.

8. Data Retention

We keep Personal Data only as long as needed for the purposes in this policy, including legal, security, operations, and reporting needs. Retention periods vary by data type and applicable legal requirements.

9. Data Security

We use commercially reasonable administrative, technical, and organizational safeguards to protect Personal Data. No internet-based system is fully secure, so we cannot guarantee absolute security.

10. Sensitive Data and Healthcare Information

Do not send medical records, diagnosis details, Social Security numbers, full payment card data, or other highly sensitive information through general contact forms unless we specifically request it through a secure process. Our public forms are not designed for clinical treatment communications.

11. International Data Transfers

Our Services are operated in the United States. If you use the Services from another country, your data may be transferred to and processed in the United States, where privacy laws may differ.

12. Your Privacy Rights and Choices

Depending on your location, you may have rights to:

• Request access to Personal Data we hold about you.
• Request correction of inaccurate data.
• Request deletion of data, subject to legal exceptions.
• Object to or restrict certain processing in specific circumstances.
• Withdraw consent where processing is based on consent.

To make a privacy request, contact us at thelibertyvanguard@gmail.com. We may verify your identity before completing the request.

Residents of certain U.S. states may have additional rights regarding access, deletion, correction, and limitation of data use. Where required, we provide a method to appeal a denied privacy request.

13. Marketing Communications

If you receive marketing messages, you can opt out using unsubscribe instructions or by contacting us directly. We may still send service or transactional messages when needed.

14. Children's Privacy

Our Services are not directed to children under 13, and we do not knowingly collect Personal Data from children under 13. If you believe a child sent us data, contact us and we will review and take appropriate action.

15. Third-Party Websites and Services

Our Services may link to third-party websites, including portfolio brands and external service providers. We do not control third-party privacy practices or content. Review their policies before sharing Personal Data.

16. Do Not Track and Browser Controls

Some browsers offer "Do Not Track" signals. Because there is no uniform industry standard for those signals, we do not currently respond to them in a standardized way. You may manage cookies through browser settings and device controls.

17. Policy Updates

We may update this policy from time to time. Material changes will be posted with a revised "Last updated" date. Continued use of the Services after updates means you accept the revised policy, to the extent allowed by law.

18. Contact

Privacy questions, rights requests, or data concerns can be sent to thelibertyvanguard@gmail.com.