Effective Date: August 11, 2025
Last Updated: August 11, 2025
TWH Financial and Insurance Services (“TWH,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit our website, use our services, or interact with us.
1. Information We Collect
We may collect the following types of information:
Personal Information: Name, mailing address, email address, phone number, Social Security number, date of birth, driver’s license or other government-issued ID, and financial account details.
Insurance & Financial Information: Policy numbers, coverage details, claim history, investment portfolio information, and related documents.
Website Usage Information: IP address, browser type, operating system, pages viewed, and time spent on our site.
Communication Data: Records of phone calls, emails, messages, and other interactions.
2. How We Collect Information
We may collect information when you:
Request a quote or consultation.
Apply for insurance or financial services.
Communicate with us via phone, email, or online forms.
Visit our website (including through cookies or similar technologies).
3. How We Use Your Information
We use your information to:
Provide and manage our financial and insurance services.
Process applications, claims, and policy changes.
Respond to your requests and inquiries.
Send you account updates, service notices, and relevant information.
Meet legal, regulatory, and compliance requirements.
Improve our website, products, and services.
4. How We Share Your Information
We do not sell your personal information. We may share your information:
With insurance carriers, financial institutions, and service providers necessary to process your applications or manage your accounts.
With trusted third-party vendors who help us operate our business (e.g., IT support, compliance consultants).
As required by law, regulation, or legal process.
In connection with a business transfer, merger, or acquisition.
5. Data Security
We use administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. While we take reasonable precautions, no data transmission or storage system can be guaranteed 100% secure.
6. Your Rights
Depending on your location, you may have the right to:
Access, correct, or delete your personal information.
Restrict or object to certain processing activities.
Request a copy of your personal data.
7. Cookies and Tracking
We may use cookies and similar technologies to enhance your website experience. You can adjust your browser settings to refuse cookies, but some site features may not work properly without them.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted with the updated date at the top.