Rafail Insurance Agency (“we,” “us,” or “our”) respects your privacy and is dedicated to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, https://www.rafailinsurance.com/ (“Site”), or interact with us.

Rafail Insurance Agency ("Company", "we", "our", or "us") respects your privacy and is committed to protecting it through this Privacy Policy.

1. Scope

This Privacy Policy applies to all information collected through our website (www.rafailinsurance.com) and any related services, sales, marketing, or events. We operate nationwide from our home base in Texas and do not collect information from users located in the EU. However, we do collect information from users in California and comply with applicable state privacy laws.

2. Information We Collect

Identifiers: name, email address, phone number, business name.

Transactional data related to purchases, including payment method (handled securely via Stripe).

Login credentials and access level (used to restrict access to paid courses).

Device and usage data: IP address, browser type, pages visited, time on site.

Cookies and similar technologies (used for performance and security, not for behavioral advertising).

3. How We Use Your Information

To process payments and fulfill orders for digital product access.

To manage your account and course access permissions.

To provide technical support or respond to inquiries.

To improve our site functionality and performance.

To send important service updates and limited promotional content related to your purchase.

4. Data Sharing and Disclosure

We do not sell or rent your personal data. We only share it with trusted third-party services that help operate our business, such as:

Stripe (payment processing)

WordPress and WooCommerce (website infrastructure)

Email marketing providers (e.g., for onboarding emails)

Mobile opt in data is never shared

SMS consent and phone numbers are not shared with any third parties/affiliates for marketing purposes.

These services are contractually bound to protect your information and may only use it as necessary to perform their specific functions.

5. Your Rights (California Residents)

If you reside in California, you may request:

Access to the personal data we store about you

Correction of inaccurate information

Deletion of personal data (subject to certain conditions)

Restriction of sensitive data usage (we do not collect sensitive personal info)

Opt-out of behavioral advertising (not applicable as we do not share for such purposes)

You may email your request to Sylvia.Rafail@rafailinsurance.com. We will verify your identity before fulfilling any request.

6. Cookies

Our website uses cookies for technical functionality, access control, and site analytics. You can manage your cookie preferences via your browser settings. We do not use cookies for third-party advertising.

7. Data Retention

We retain your data as long as your account is active and as needed to provide you services. You may request deletion of your account at any time by contacting us.

8. Security Measures

We implement reasonable administrative and technical safeguards to secure your data. No system is 100% secure, so we cannot guarantee absolute security.

9. Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect data from children.

10. External Links

This site may contain links to other websites. We are not responsible for their content or privacy practices.

11. Changes to This Policy

We reserve the right to modify this Privacy Policy at any time. Any changes will be posted on this page and updated with a new effective date. Continued use of the site constitutes acceptance of the changes.

12. Contact Information

For questions about this policy or to exercise your privacy rights, contact us:

Email: Sylvia.Rafail@rafailinsurance.com

Mail: 3311 Richmond Ave. #350, Houston, TX 77098