Privacy Policy

Introduction

The Spale Agency ("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 visit our website or use our services, including life insurance, tax preparation, bookkeeping, and business consulting services.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request a consultation or quote
• Engage our services (life insurance, tax preparation, bookkeeping, business consulting)
• Subscribe to our newsletter or download resources
• Contact us via phone, email, or contact forms
• Complete client intake forms

This information may include your name, email address, phone number, mailing address, Social Security Number, Employer Identification Number, financial records, insurance information, and other relevant financial or business data necessary to provide our services.

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing activity, including:

• IP address and browser type
• Operating system and device information
• Pages viewed and time spent on pages
• Referral source and exit pages
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Respond to your comments, questions, and requests
• Send newsletters, updates, and promotional communications (with your consent)
• Comply with legal and regulatory requirements
• Protect our rights and the rights of others
• Monitor and analyze trends, usage, and activities
• Personalize your experience on our website

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who perform services on our behalf (e.g., payment processing, email delivery, website hosting)
• Legal Requirements: When required by law, subpoena, or other legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: With your explicit consent or at your direction
• Professional Services: With insurance carriers, tax authorities, or other financial institutions as necessary to provide requested services

Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-Out: Opt-out of marketing communications at any time
• Data Portability: Request transfer of your data to another provider

To exercise these rights, please contact us at thespaleagency@gmail.com. We will respond to your request within 30 days.

Cookies and Tracking

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie settings through your browser preferences. Disabling cookies may limit your ability to use certain features of our website.

Third-Party Links

Our website may contain links to third-party websites (e.g., Etsy shop, podcast platforms, social media). We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations (including IRS and insurance regulatory requirements), and resolve disputes. Client financial records are typically retained for a minimum of 7 years.

Children's Privacy

Our services are not directed to 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 without parental consent, we will take steps to delete that information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on this page and updating the "Last updated" date.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us: