Effective Date: 04/08/2025
Last Updated: 04/14/2025

LTH Financial ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us, whether online, by phone, or in person.

1. Information We Collect
‍We may collect the following types of personal information:

‍Information You Provide Directly:
    -Full Name
     -Contact Information (email, phone number, address)
    -Date of Birth
     -Health-related information (if required for underwriting)
     -Financial information (if applicable)
     -Any other information you submit through forms or communications

Information We Collect Automatically (via Website):
   -IP Address
    -Browser Type
    -Pages Visited
    -Date and Time of Visit
    -Cookies and tracking technologies (see Section 6)

2. How We Use Your Information
‍We may use your information to:
    -Provide insurance quotes and services
    -Respond to inquiries and schedule consultations
   -Assist with applications and underwriting
    -Send updates, confirmations, or promotional materials
    -Comply with legal and regulatory requirements
    -Improve website functionality and user experience

3. How We Share Your Information
‍We may share your personal information with:
    -Insurance Carriers: To provide you with quotes, process applications, or service policies
    -Service Providers: Such as CRM platforms, secure email systems, and call services
   -Regulatory Agencies: When required by law
    -Marketing Partners: With your consent only

We do not sell your information to third parties.

‍4. Data Security
‍We implement industry-standard security measures to protect your information, including encrypted storage and secure transmission protocols. However, no method of transmission over the internet or method of electronic storage is 100% secure.

‍5. Your Choices and Rights
‍You may:
   -Request access to or correction of your personal information
   -Opt out of marketing communications at any time
    -Request deletion of your data, subject to legal and contractual obligations

To exercise any of these rights, email us at dev@lthfinancial.com.

‍6. Cookies and Tracking Technologies
‍We use cookies to improve user experience, remember preferences, and analyze traffic. You can disable cookies through your browser settings, though some website features may not function properly.

‍7. Children’s Privacy
‍Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from minors.

‍8. Third-Party Websites
‍Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their privacy policies separately.

‍9. Updates to This Policy
‍We may update this Privacy Policy from time to time. Changes will be reflected with a new "Last Updated" date. Continued use of our services means you accept the revised policy.

‍10. Contact Us
‍For questions or concerns about this Privacy Policy or your data, please contact:
‍LTH Financial
Email: dev@lthfinancial.com
Phone: (216)-258-6936