Scope of This Policy
This Privacy Policy describes how True North Financial Group ("True North," "we," "us," or "our") collects, uses, shares, and protects information when you visit mytruenorthfinancial.com (the "Site"), request a consultation, use a calculator or tool on this Site, or otherwise interact with us in connection with our life insurance, retirement planning, wealth strategies, health insurance, business solutions, and real estate services.
By using the Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not use the Site.
This policy applies to information collected through the Site. It does not apply to information collected offline, through carrier or MLS platforms directly, or through third-party websites we may link to.
Information We Collect
We collect information in a few different ways: information you give us directly, information collected automatically when you use the Site, and information we may receive from third parties such as insurance carriers or referral partners.
Information you provide to us
- Contact details — name, email address, phone number, mailing address, and preferred method and time of contact.
- Consultation & form information — details you share when scheduling a call, requesting a quote, downloading a guide, or submitting a contact or careers form, such as your age range, household or family information, income range, coverage needs, or property interests.
- Financial & insurance application information — if you move forward with a policy, plan, or real estate transaction, we or our carrier/brokerage partners may collect more detailed information (such as date of birth, health history, income, assets, or property details) as required to process your application. This information is subject to additional carrier- and transaction-specific privacy notices, which will be provided separately.
- Career & recruiting information — if you apply to join our team, we collect the information included in your application, such as your resume, work history, and licensing status.
- Communications — records of your correspondence with us, including emails, call notes, and messages sent through the Site.
Information collected automatically
- Device & usage data — IP address, browser type, device type, operating system, referring/exit pages, and the pages you view and how you interact with them.
- Cookies & similar technologies — see the Cookies & Tracking section below for details.
- Calculator & tool inputs — figures you enter into on-site calculators (for example, a retirement income estimate). These are used to generate your results and are not required to be accurate identifying information.
Information from third parties
- Scheduling and calendar platforms we use to book consultations (such as our booking widget).
- Insurance carriers, general agencies, or real estate platforms we work with, where you have separately engaged with them.
- Publicly available sources, such as licensing databases, when relevant to verifying professional credentials.
How We Use Your Information
We use the information we collect to provide, support, and improve our services, and to communicate with you. Specifically, we may use your information to:
- Respond to your inquiries, schedule consultations, and provide the educational resources or quotes you request.
- Prepare and process insurance applications, retirement and wealth planning recommendations, and real estate transactions on your behalf, in coordination with licensed carriers and partners.
- Send you requested information, such as newsletters, guides, or policy/transaction updates, and — where you've agreed to receive them — occasional educational content or offers.
- Operate, maintain, and improve the Site, including troubleshooting, analytics, and security monitoring.
- Evaluate career and recruiting applications.
- Comply with legal, regulatory, and licensing obligations applicable to insurance and real estate professionals.
- Detect, investigate, and prevent fraudulent or unauthorized activity.
We do not sell your personal information to third parties for their own marketing purposes.
Communications & Your Consent
When you submit a form on this Site — for example, to schedule a call, request a guide, or ask a question — you may be providing express consent for True North Financial Group and its representatives to contact you by phone, text message (SMS), and/or email, including through automated dialing or messaging technology, even if your number is on a state or federal Do Not Call registry. Consent to receive communications is not a condition of purchasing any product or service.
Message and data rates may apply to text communications. You can opt out of text messages at any time by replying "STOP," and you can unsubscribe from marketing emails using the unsubscribe link included in those emails. Opting out of marketing communications will not affect service-related messages tied to an active policy, application, or transaction.
Cookies & Tracking Technologies
Like most websites, we use cookies and similar technologies (such as pixels and local storage) to operate the Site, remember your preferences, understand how visitors use our pages, and, where applicable, measure the performance of our marketing. This may include analytics tools and scheduling/booking widgets provided by third-party vendors.
You can control cookies through your browser settings, including blocking or deleting them; doing so may affect how parts of the Site function. Where required by law, we will present a cookie notice or consent banner allowing you to manage your preferences.
Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. These may include encryption in transit, access controls, and working only with vendors who maintain appropriate security practices.
No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. If you believe your information has been compromised, please contact us right away.
How Long We Keep Information
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this policy, maintain accurate business and client records, meet the recordkeeping requirements of insurance and real estate regulators, and resolve disputes. Retention periods vary depending on the type of information and applicable legal or licensing requirements; when information is no longer needed, we take steps to securely delete or de-identify it.
Your Privacy Rights & Choices
Depending on where you live, you may have rights regarding your personal information. We aim to honor these rights for all Site visitors, not only where legally required.
Access & Portability
Request a copy of the personal information we hold about you.
Correction
Ask us to correct inaccurate or incomplete information.
Deletion
Request deletion of your personal information, subject to legal and recordkeeping exceptions.
Opt-Out of Marketing
Unsubscribe from emails or texts at any time, as described above.
Opt-Out of Sale/Sharing
We do not sell personal information; California residents may still submit a request for confirmation.
Non-Discrimination
We will not discriminate against you for exercising any of these rights.
California residents: the California Consumer Privacy Act (CCPA), as amended by the CPRA, provides additional rights, including the right to know, delete, correct, and limit the use of certain sensitive personal information. To exercise any of these rights, contact us using the information in the Contact Us section. We will verify your request and respond within the timeframe required by law.
This section is intended as a general summary. State-specific privacy disclosures (California, and others as applicable) should be reviewed and finalized by compliance counsel based on the states where True North does business.
Children's Privacy
Our Site and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.
Third-Party Links
The Site may contain links to third-party websites, such as carrier portals, MLS listings, our scheduling widget, or social media pages. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policy of any site you visit.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Material changes affecting how we handle previously collected information will be communicated in a more prominent way, such as by email or a notice on the Site.
Contact Us
If you have questions about this Privacy Policy, want to exercise a privacy right, or would like to update your communication preferences, reach out any time:
True North Financial Group
Financial & Real Estate Services · Irvine, CA