Privacy Policy

PRIVACY POLICY

Black Bull Financial
Effective Date: 01/01/2026

1. Introduction

Black Bull Financial (“Company,” “we,” “us,” or “our”) is a licensed insurance brokerage operating in the State of Florida. We provide information and assistance regarding life insurance products including mortgage protection and final expense coverage.

This Privacy Policy explains how we collect, use, protect, and disclose personal information when you interact with our website, advertisements, and services.

2. Information We Collect

When you request information or a quote, we may collect:

Personal Information

  • Full name

  • Phone number

  • Email address

  • Mailing address

  • Date of birth

Insurance-Related Information

  • Health-related information

  • Lifestyle information

  • Financial suitability information

Technical & Advertising Data

  • IP address

  • Browser type

  • Device information

  • Website interaction data

  • Advertising engagement data (Meta, Google)

We collect only information necessary to provide insurance-related services and comply with regulatory obligations.

3. How We Use Your Information

We use your information to:

  • Provide insurance quotes

  • Connect you with a licensed insurance agent

  • Submit insurance applications to licensed carriers

  • Communicate regarding coverage options

  • Respond to inquiries

  • Comply with Florida insurance regulations and federal law

  • Improve advertising and marketing performance

We do not provide legal, tax, or financial advisory services.

4. SMS Communications & Opt-In Disclosure

How SMS Consent Is Obtained

When you submit your phone number through our website, landing pages, or advertising lead forms, you may be asked to consent to receive SMS text messages.

Consent is obtained through:

  • A clearly visible disclosure near the phone number field

  • An affirmative action such as checking a consent box or clicking a submit button that includes consent language

Our consent language states that:

  • You agree to receive SMS messages from Black Bull Financial regarding insurance products

  • Message frequency may vary

  • Message and data rates may apply

  • You may reply STOP to opt out

  • You may reply HELP for assistance

  • Consent is not a condition of purchasing insurance

How SMS Information Is Used

We use SMS messaging to:

  • Respond to inquiries

  • Schedule appointments

  • Provide insurance-related updates

  • Follow up regarding quote requests

We do not use SMS for unrelated marketing purposes without consent.

5. Mobile Information Sharing Statement

We respect your privacy.

  • We do not sell your mobile phone number.

  • We do not share your mobile information with third parties for marketing purposes.

  • Mobile information will not be shared with affiliates or third parties for promotional use.

Your phone number may be shared only with:

  • Licensed insurance carriers (as part of an application process)

  • Our affiliated Insurance Marketing Organization (IMO) for compliance purposes

  • CRM and communication providers that facilitate messaging services

  • Government or regulatory authorities if legally required

All service providers are required to maintain appropriate safeguards.

6. Information Sharing

We may share your personal information with:

  • Licensed insurance carriers

  • Compliance partners

  • CRM and data processors

  • Advertising platforms (in aggregated or tracking form)

  • Regulatory authorities if required by law

We do not sell personal information.

7. Cookies & Digital Advertising

We use:

  • Meta Pixel

  • Google Ads tracking

  • Google Analytics

These tools collect website usage data and help us measure advertising performance.

You may adjust cookie preferences through your browser settings.

8. Data Security

We implement administrative, technical, and physical safeguards to protect personal information.

However, no online system is completely secure, and transmission of information is at your own risk.

9. Financial Privacy Compliance (GLBA)

As an insurance brokerage, we comply with applicable federal privacy laws, including the Gramm-Leach-Bliley Act (GLBA), regarding safeguarding of nonpublic personal information.

Insurance-related information is shared only as necessary to facilitate underwriting and policy issuance.

10. Data Retention

We retain personal information as required for:

  • Insurance record keeping

  • Regulatory compliance

  • Business operations

Retention periods may vary depending on legal obligations.

11. Your Rights

Florida residents may request:

  • Access to personal information

  • Correction of inaccurate information

Requests may be submitted to:

Trevor@bbfinancialpartners.com

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Continued use of our website or services constitutes acceptance of any changes.

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