Privacy Policy

1. Who We Are

Batista Financial and Life Insurance Services ("Company," "we," "us," or "our") is a financial services firm located at 9372 Sedgefield Avenue, Elk Grove, CA 95624. We provide business lending and life insurance services to individuals and businesses in California.

For privacy-related inquiries, contact us at: brian@batistafinancialandlifeinsuranceservices.com

2. Information We Collect

We collect information you provide directly to us, including:

• Personal Identification: Name, email address, mailing address
• Business Information: Business name, business type, time in business, monthly revenue
• Financial Information: Funding amount requested, credit history (for lending inquiries)
• Insurance Information: Age, health status (for life insurance applications)
• Communication Data: Messages, inquiries, and correspondence you send us
• Technical Data: IP address, browser type, device type, pages visited, and time spent on our website

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide requested services
• Process loan and insurance applications
• Communicate with you about your account or services
• Send marketing communications (only with your consent)
• Comply with legal and regulatory requirements
• Improve our website and services
• Prevent fraud and protect the security of our services

4. SMS and Text Messaging

5. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Service Providers: Third-party vendors who assist us in providing our services (e.g., lenders, insurance carriers, technology providers), subject to confidentiality agreements
• Legal Requirements: When required by law, court order, or government authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

No mobile information will be shared with third parties. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Data Retention

We retain your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely delete or anonymize it.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• 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 obligations
• Opt-Out of Marketing: Opt out of marketing communications at any time by contacting us or using the unsubscribe link in emails
• SMS Opt-Out: Reply STOP to any text message to unsubscribe

To exercise any of these rights, contact us at brian@batistafinancialandlifeinsuranceservices.com

8. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information held by businesses
• The right to opt-out of the sale or sharing of personal information
• The right to non-discrimination for exercising your privacy rights
• The right to correct inaccurate personal information
• The right to limit use and disclosure of sensitive personal information

We do not sell personal information as defined under California law. To submit a California privacy request, contact us at the email above.

9. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience, analyze website traffic, and understand how visitors use our site. You can control cookies through your browser settings. Disabling cookies may affect some website functionality.

10. Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

11. 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 you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.

12. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

14. Contact Us

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

• By Email: brian@batistafinancialandlifeinsuranceservices.com
• By Mail: Batista Financial and Life Insurance Services, 9372 Sedgefield Avenue, Elk Grove, CA 95624