Effective Date: June 2, 2025

Nicole Goya ("I," "me," or "my") operates as a sole proprietor offering mortgage protection services. Your privacy is important to me, and I am committed to protecting your personal information in compliance with applicable laws.

1. Information I Collect

I may collect the following information:

Full name, Email, address, Phone number, Mailing address, Mortgage information, Health or financial data (as needed for insurance purposes)

2. How I Use Your Information

Your data is used to:

Provide mortgage protection quotes and servicesCommunicate with you regarding your requestsAssist with insurance applications and follow-upsComply with legal or regulatory obligations

3. Sharing of Information

I do not sell or rent your personal information. It may only be shared with:

Licensed insurance carriers or agenciesThird-party platforms (e.g., CRM or email tools) under strict confidentialityRegulatory or legal authorities as required

4. Data Security

Your data is stored securely using encrypted and password-protected systems. Reasonable measures are taken to prevent unauthorized access or misuse.

5. Your Rights

You may request to:

Access your personal informationCorrect inaccurate informationDelete your data (unless retention is required by law)Withdraw consent to communication

6. Children's Privacy

Services are not directed to individuals under 18. No knowingly collected data from minors.

7. Updates to This Policy

This Privacy Policy may be updated from time to time. Please refer back periodically.

8. Contact

If you have any questions, contact:

Name:

Nicole Goya

Email:

[email protected]

Phone:

(808) 953-5713

Mailing Address:

965 Prospect Street Apt 609, Honolulu, 96822