Privacy Notice

Effective Date: May 1, 2025

Optimal Risk Strategies, LLC ("we", "our", or "us") values your trust and is committed to protecting the privacy of personal information that you share with us. This Privacy Notice describes how we collect, use, disclose, and safeguard personal information in the course of providing insurance brokerage, consulting, and related risk management services.

1. Scope

This Privacy Notice applies to information collected through our website and digital platforms, as well as through offline channels in the course of client engagements. This policy applies to U.S. residents only. If you are a resident of California, please see the "California Privacy Rights" section below for additional disclosures required by the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

2. Information We Collect

We collect personal information directly from you, from third parties, and through automated technologies. Categories of information we may collect include:

• Identifiers: Name, address, email address, phone number, driver's license number, Social Security number
• Employment Information: Job title, employer, business contact details
• Financial Information: Bank account details, payment information, or other financial identifiers in connection with insurance placement
• Health Information: If required for underwriting or claims purposes
• Internet Activity: IP address, device data, browser type, and cookies collected from your interaction with our website
• Other Sensitive Data: As reasonably necessary to fulfill insurance consulting or placement obligations, or as required by law

3. Sources of Information

We may collect your information from the following sources:

• You, directly, when you submit forms, request services, or communicate with us
• Your employer or organization if we are providing services to them on your behalf
• Insurance carriers, reinsurers, and business partners
• Public records and government agencies
• Cookies and automated tracking on our website

4. How We Use Your Information

We use your personal information to:

• Provide, manage, and administer insurance and consulting services
• Evaluate eligibility for insurance products or services
• Communicate with you about service offerings or obligations
• Comply with legal and regulatory obligations
• Prevent fraud, monitor security risks, and maintain operational integrity
• Improve user experience and digital platform performance

5. Disclosure of Personal Information

We may disclose your information to the following categories of recipients:

• Insurance carriers, reinsurers, and intermediaries for placement or quoting purposes
• Third-party service providers, including IT support, web hosting, payment processors, and cloud platforms
• Legal, regulatory, or law enforcement authorities where required by law or subpoena
• Successors-in-interest in the event of a business sale, merger, or acquisition

We do not sell your personal information or share it for cross-context behavioral advertising.

6. Data Security and Retention

We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, use, or disclosure. We retain personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal, regulatory, and contractual requirements.

7. Your Rights and Choices

You may request access to or correction of your personal information by contacting us as described below. Depending on your location and applicable laws, you may also have the right to request deletion of certain personal data or object to its processing.

8. Cookies and Analytics

We use cookies and similar technologies on our website for functionality, performance monitoring, and analytics. You can manage your cookie preferences through your browser settings.

9. Children's Privacy

We do not knowingly collect or solicit personal information from children under the age of 13. If we learn that we have collected information from a child, we will promptly delete it.

10. California Privacy Rights

California residents may have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• The right to know what personal information we collect, use, and disclose
• The right to delete personal information collected (with certain exceptions)
• The right to correct inaccurate personal information
• The right to opt out of sharing or selling personal information (we do not sell data)
• The right to non-discrimination for exercising CCPA/CPRA rights

You may exercise your rights by contacting us using the information in the "Contact Us" section below. We may need to verify your identity before processing your request.

11. Changes to This Privacy Notice

We reserve the right to amend this Privacy Notice at any time. We will post updated versions to this page with an updated effective date. We encourage you to review this page periodically.

12. Contact Us

If you have any questions about this Privacy Notice or how we handle your personal information, please contact:

Optimal Risk Strategies, LLC
Email: info@optimalriskstrategies.com
Phone: (630) 346-2771