1. Introduction
Waltoria Financial Services ("Waltoria," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and protect information about you when you use our services, visit our website at waltoria.io, or otherwise interact with us.
Waltoria is a financial services firm based in Nebraska, providing financial advisory services, insurance products, and technology-enhanced financial planning tools. We are licensed to sell insurance products in Nebraska and other states where we maintain appropriate licenses.
By using our services or providing us with your personal information, you acknowledge that you have read and understand this Privacy Policy.
2. Information We Collect
2.1 Information You Provide
We collect information you provide directly to us, including:
- Contact Information: Full name, email address, phone number, mailing address, ZIP code
- Financial Information: Income and employment details, assets and liabilities, investment accounts, insurance policies, retirement account information, tax filing status
- Demographic Information: Date of birth, marital status, number of dependents, homeownership status
- Business Information: Business name and structure, business contact information, role and decision-making authority (for business clients)
2.2 Information Collected Automatically
When you visit our website, we automatically collect:
- Device and browser information (IP address, browser type, operating system)
- Usage information (pages visited, time spent, referring website)
- Analytics data via Vercel Analytics (privacy-focused, no personal data tracking)
2.3 Information from Third Parties
We may receive information about you from:
- Financial data aggregators (account balances and transactions via Plaid)
- Insurance carriers (policy status, underwriting information)
- Public sources (publicly available information)
3. How We Use Your Information
We use your information for:
- Financial Advisory Services: Analyzing your financial situation, developing personalized recommendations, processing insurance applications
- Communications: Service-related notifications, appointment reminders, SMS text messages (with consent), email communications
- Business Operations: Improving services, compliance with legal obligations, fraud prevention
4. SMS Text Message Communications
4.1 Consent and Opt-In
If you provide your phone number and consent to receive SMS text messages, you agree to receive recurring automated text messages from Waltoria. Consent is not required to purchase any services from Waltoria.
4.2 Types of Messages
- Appointment reminders and confirmations
- Service updates and notifications
- Follow-up communications regarding your financial planning
- Important alerts about your applications or policies
4.3 Message Frequency and Costs
Message frequency varies. You can typically expect 2-5 messages per month during active engagement. Message and data rates may apply. Contact your wireless carrier for details.
4.4 Opting Out
You may opt out of SMS messages at any time by:
- Replying STOP to any message from us
- Emailing us at privacy@mail.waltoria.io
We will process your opt-out request within 10 business days.
4.5 Help
For help with SMS messages, reply HELP to any message or email privacy@mail.waltoria.io.
4.6 SMS Data Retention
In accordance with the Telephone Consumer Protection Act (TCPA), we retain records of SMS consent for a minimum of four (4) years.
5. Information Sharing and Disclosure
5.1 Service Providers
We share information with third parties who provide services on our behalf:
- Insurance carriers (for policy issuance and underwriting)
- Plaid (financial data aggregation)
- Twilio (SMS communications)
- Resend (email communications)
- Cal.com (appointment scheduling)
5.2 Information We Do Not Sell
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
6. GLBA and Regulation S-P Compliance
As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and SEC Regulation S-P regarding the privacy of consumer financial information.
Categories of Nonpublic Personal Information (NPI)
- Information you provide on applications (name, address, income, assets)
- Information about your transactions with us
- Information from consumer reporting agencies (if applicable)
Your Right to Opt-Out
Because we do not share your NPI with non-affiliated third parties for marketing purposes, there is currently no need for you to opt out. If our practices change, we will provide you with an opt-out notice and opportunity.
7. Insurance Privacy (IIPPA/NAIC)
In connection with insurance products, you have the right to:
- Access personal information in your insurance file
- Request correction of inaccurate information
- Receive reasons for adverse underwriting decisions
- Know about disclosures made in the past two years
8. Data Security
We implement security measures to protect your information:
- Encryption of data in transit (TLS/SSL) and at rest
- Secure authentication mechanisms
- Regular security assessments
- Employee training on privacy and security
- Incident response procedures
9. Data Retention
| Data Type | Retention Period |
|---|---|
| Client records | Duration of relationship + 7 years |
| SMS consent records | 4 years (TCPA requirement) |
| Financial data | Duration of relationship + 7 years |
| Marketing consent | Until withdrawal |
10. Your Rights and Choices
Access and Correction
You have the right to request access to your personal information, correct inaccuracies, and receive a copy of your information.
Communication Preferences
- Email: Click "unsubscribe" in marketing emails
- SMS: Reply STOP to opt out of text messages
- Phone: Request to be added to our do-not-call list
California Residents
California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt-out of sale of personal information (we do not sell your information).
11. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date, post the revised policy on our website, and notify you by email for material changes.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices: