PRIVACY POLICY

Effective Date: July 21, 2026
Last Updated: July 21, 2026

VITRAL Financial & Insurance Advisory Group (“VITRAL,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit vitraladvisory.com, complete one of our forms, request information, apply to join our team, communicate with us, or otherwise use our services.

By using this website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

Information You Provide Directly

When you complete a form, schedule a consultation, contact us, request information, or submit an application, we may collect:

  • Full name
  • Email address
  • Telephone number
  • City, state, or mailing address
  • Preferred method of contact
  • Insurance services or products of interest
  • Information related to your insurance needs
  • Professional experience and licensing information
  • Employment or independent contractor application information
  • Messages, questions, and other information you voluntarily provide

Please do not submit Social Security numbers, payment information, detailed medical records, account credentials, or other highly sensitive information through a general website form unless we specifically provide a secure method and ask you to do so.

Information Collected Automatically

When you use our website, certain information may be collected automatically, including:

  • IP address
  • Browser and device type
  • Operating system
  • Pages visited
  • Referring website
  • Dates and times of visits
  • General geographic location
  • Website interactions and performance information
  • Cookie and similar technology identifiers

This information helps us operate, secure, and improve our website.

2. How We Use Your Information

We may use personal information to:

  • Respond to questions and requests
  • Schedule consultations
  • Provide information about insurance and financial products or services
  • Help evaluate available insurance options
  • Prepare or facilitate insurance quotes and applications
  • Communicate about an existing or potential client relationship
  • Review applications to join our team
  • Verify professional licensing or experience when appropriate
  • Send administrative or service-related communications
  • Send marketing communications when permitted by law
  • Improve our website, services, and customer experience
  • Detect and prevent fraud, misuse, and security incidents
  • Maintain business and compliance records
  • Comply with legal, regulatory, contractual, and licensing obligations
  • Establish, exercise, or defend legal claims

Submitting information through this website does not guarantee eligibility for, approval of, or enrollment in any insurance product, employment position, or independent contractor opportunity.

3. Insurance and Health-Related Information

Some inquiries may involve information concerning health conditions, insurance coverage, prescriptions, physicians, finances, or eligibility.

We request that you provide only the information reasonably necessary for us to respond to your inquiry. Additional sensitive information should be shared only through an authorized and appropriately secure process.

Information submitted through a general contact form should not be used for medical emergencies or urgent coverage requests. If you are experiencing a medical emergency, call 911 or seek immediate assistance from an appropriate healthcare provider.

Our website is not intended to replace official insurance carrier documentation, Medicare.gov, Healthcare.gov, professional medical advice, legal advice, or tax advice.

4. How We Disclose Information

We may disclose information when reasonably necessary to:

  • Insurance carriers
  • General agencies, field marketing organizations, or authorized insurance partners
  • Licensed agents or advisors assisting with your request
  • Website hosting and technology providers
  • Form, email, scheduling, analytics, and communication service providers
  • Professional advisors, including legal, accounting, and compliance professionals
  • Government agencies, regulators, courts, or law enforcement when legally required
  • A successor organization in connection with a merger, acquisition, restructuring, or transfer of business assets

These parties may process information only as permitted by applicable law, their agreements with us, and their own privacy policies.

We do not sell personal information for monetary compensation.

We do not disclose personal information to unrelated third parties for their independent marketing purposes without authorization, except as otherwise disclosed in this policy or permitted by law.

5. Calls, Text Messages, and Email Communications

If you provide a telephone number or email address and consent to be contacted, VITRAL may communicate with you regarding your inquiry, requested services, application, appointments, or other relevant matters.

Consent to receive calls, text messages, or emails is not a condition of purchasing an insurance product or service.

Message and data rates may apply. Message frequency may vary.

You may request that marketing communications stop at any time by:

  • Replying STOP to a text message
  • Using the unsubscribe link in a marketing email
  • Contacting us using the information below

Requests to stop marketing communications do not prevent us from sending necessary transactional, administrative, compliance, or service-related messages.

6. Cookies and Similar Technologies

Our website may use cookies and similar technologies to:

  • Enable essential website functions
  • Remember preferences
  • Understand website traffic and usage
  • Measure website performance
  • Improve content and user experience
  • Detect fraud or security threats
  • Support advertising or campaign measurement, when used

You can control cookies through your browser settings. Disabling certain cookies may affect how the website functions.

If we use third-party analytics or advertising technologies, those providers may collect information according to their own privacy policies.

7. Third-Party Websites and Services

Our website may contain links to third-party websites, including insurance carriers, government websites, scheduling platforms, social media platforms, WhatsApp, or other service providers.

VITRAL does not control and is not responsible for the privacy, security, content, or data practices of third-party websites. We encourage you to review the privacy policy of any third-party service before providing personal information.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. You should avoid transmitting highly sensitive information through unsecured email or general website forms.

If we become aware of a data security incident, we will respond and provide notifications as required by applicable law.

9. Data Retention

We retain personal information only for as long as reasonably necessary to:

  • Respond to your request
  • Provide or administer services
  • Maintain client and applicant records
  • Satisfy insurance, licensing, contractual, and compliance obligations
  • Resolve disputes
  • Enforce agreements
  • Comply with applicable laws and record-retention requirements

Retention periods may vary depending on the nature of the information and the purpose for which it was collected.

10. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

  • Confirm whether we process your personal information
  • Access personal information we maintain about you
  • Correct inaccurate personal information
  • Request deletion of certain personal information
  • Obtain a portable copy of certain information
  • Opt out of the sale of personal information
  • Opt out of targeted advertising or certain types of profiling
  • Withdraw consent when processing is based on consent
  • Appeal the denial of a privacy request

VITRAL does not discriminate against individuals for exercising applicable privacy rights.

To submit a request, contact us at info@vitraladvisory.com with the subject line:

Privacy Request

Please include your name, contact information, state of residence, and a description of your request. We may need to verify your identity before processing it.

If we deny a privacy request, you may appeal by replying to our decision and writing Privacy Request Appeal in the subject line.

Some information may be exempt from a request when retention or processing is required or permitted by law.

Texas residents can learn more about their rights under the Texas Data Privacy and Security Act through the Texas Attorney General.

11. Children’s Privacy

This website and our services are intended for adults and are not directed to children under 13.

We do not knowingly collect personal information online from children under 13. If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.

A parent or legal guardian who believes a child has provided us with personal information may contact us using the information below.

12. Do Not Track Signals

Some browsers offer a “Do Not Track” setting. Because there is not currently a universally accepted standard for responding to these signals, our website may not respond to all Do Not Track requests.

Where required, we will process recognized browser-based opt-out preference signals in accordance with applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, legal obligations, or data practices.

When changes are made, we will revise the “Last Updated” date at the top of this page. Material changes may also be communicated through the website or another appropriate method.

Your continued use of the website after an updated policy becomes effective constitutes acknowledgment of the revised policy.

14. Contact Us

For questions, concerns, or privacy requests, contact:

VITRAL Financial & Insurance Advisory Group
Austin, Texas
Email: info@vitraladvisory.com
Website: vitraladvisory.com

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