Effective Date: August 7th, 2025
Last Updated: August 7th, 2025
Oliva Capital LLC ("we," "us," "our," "Company") operates as a licensed insurance brokerage and lead generation service. This Privacy Policy explains how we collect, use, disclose, sell, and protect your personal information.
BY USING OUR SERVICES, YOU EXPLICITLY CONSENT TO:
Collection of your personal and financial information
Sale of your information to third parties
Using your data with unlimited insurance agents and partners
Receiving marketing communications from us and third parties
All practices described in this Privacy Policy
IF YOU DO NOT CONSENT, DO NOT USE OUR SERVICES.
Contact Information: Name, address, email, phone numbers
Demographic Information: Age, date of birth, gender, marital status
Financial Information: Income, assets, debts, employment
Health Information: Medical history, medications, lifestyle habits
Insurance Information: Current coverage, beneficiaries, claims history
Device Information: IP address, browser type, operating system
Usage Data: Pages viewed, links clicked, time spent
Location Data: GPS, IP-based location, mobile tower data
Cookies and Tracking: Pixels, beacons, fingerprinting
Analytics Data: Google Analytics, Facebook Pixel, other trackers
Cross-Device Data: Information linked across your devices
Data Brokers: Consumer reporting agencies, marketing databases
Social Media: Information from connected accounts
Public Records: Property records, court records, licenses
Insurance Databases: MIB, prescription histories, claims data
Financial Services: Credit information, banking relationships
Marketing Partners: Purchased lists, append services
We use your information for any lawful purpose, including:
Generate insurance quotes and illustrations
Connect you with insurance agents and financial professionals
Sell your information to third parties
Market insurance and financial products
Create consumer profiles for targeting
Direct Marketing: Email, phone, text, direct mail
Retargeting: Display ads across the internet
Lookalike Audiences: Finding similar consumers
Cross-Selling: Related financial products
Partner Marketing: Using with business partners
Analytics and performance tracking
Website optimization and A/B testing
Fraud prevention and security
Legal compliance and auditing
Business development and strategy
WE SELL YOUR PERSONAL INFORMATION. This is a primary part of our business model.
Insurance Agents: Independent and captive agents nationwide
Insurance Agencies: Local and national agencies
Marketing Companies: Email, phone, and direct mail marketers
Third-Party Marketers: Any company offering related services
All information listed in Section 2
Consumer profiles and scores
Behavioral data and preferences
Contact history and responsiveness
Insurance interest indicators
Financial capacity assessments
No Limits: We may sell your information to unlimited parties
Multiple Sales: Your information may be sold repeatedly
Ongoing: Sales may continue indefinitely
No Expiration: No time limit on data sales
We also use your information with service providers, including:
Cloud hosting providers
Email and SMS platforms
CRM and database systems
Analytics and tracking services
Payment processors
Call centers and appointment setters
Marketing agencies
Legal and compliance advisors
Cookies: Session, persistent, third-party
Pixels: Facebook, Google, LinkedIn, others
Local Storage: Browser and app storage
Fingerprinting: Device and browser fingerprinting
Beacons: Email and web beacons
Scripts: JavaScript tracking codes
SDKs: Mobile app tracking
We allow numerous third parties to track you, including:
Google (Analytics, Ads, Tag Manager)
Facebook (Pixel, Conversions API)
Microsoft (Bing Ads, Clarity)
LinkedIn (Insight Tag)
Twitter (Pixel)
TikTok (Pixel)
Dozens of additional ad networks
We participate in cross-site tracking to:
Build comprehensive consumer profiles
Enable retargeting across the internet
Use data with advertising partners
Improve ad targeting and relevance
Marketing Emails: Unsubscribe link in emails
SMS: Text STOP to any message
Phone Calls: Request addition to internal do-not-call list
Online Tracking: Browser settings (limited effectiveness)
California Residents (CCPA/CPRA):
Right to know what information we collect and sell
Right to delete (subject to exceptions)
Right to opt-out of sale
Right to non-discrimination
Right to correct inaccurate information
Right to limit use of sensitive information
To exercise rights: email [email protected]
Other States (Virginia, Colorado, Connecticut, Utah, etc.): Similar rights may apply. Contact us for details.
Verification Required: Must verify identity
Exceptions Apply: Legal requirements, fraud prevention
Sold Data: Cannot control data already sold
Third Parties: Must contact them directly
We do not respond to browser Do Not Track signals. We continue all tracking and data collection regardless of browser settings.
No Deletion Policy: We retain data indefinitely
Backups: Data persists in backups even if "deleted"
Third Parties: Cannot control their retention
Legal Holds: Extended retention for legal purposes
We implement commercially reasonable security, including:
Encryption in transit (SSL/TLS)
Access controls and authentication
Regular security assessments
Employee training
YOU ACKNOWLEDGE AND ACCEPT THAT:
No security is perfect
Breaches may occur
We are not liable for breaches
You assume all risks of providing information
Third parties have independent security
Your information may be transferred to and processed in any country where we or our partners operate. These countries may have different privacy laws than your residence.
We do not knowingly collect information from children under 18. Insurance products require adult consent. If we discover child data, we will delete it.
By providing health information for insurance quotes, you consent to:
Collection of detailed medical history
Using with insurance companies
Use in underwriting decisions
Retention in insurance databases
Potential impact on future insurability
Your financial data may be:
Verified through third parties
Use with financial institutions
Used for credit decisions
Sold to marketing partners
WE ARE NOT RESPONSIBLE FOR THIRD-PARTY PRACTICES
Third parties have their own privacy policies
We do not control their data use
You must review their policies
We are not liable for their actions
All calls may be recorded for:
Quality assurance
Training purposes
Legal compliance
Evidence in disputes
Sale to third parties
Not encrypted end-to-end
May be intercepted
Stored indefinitely
Used with third parties
We may update this policy at any time without notice. Changes are effective immediately upon posting. Your continued use constitutes acceptance of changes.
Privacy-related disputes are subject to mandatory binding arbitration as outlined in our Terms of Service. You waive class action rights.
Email unsubscribe (per sender)
SMS opt-out (per sender)
Phone opt-out (per caller)
Sale of your information
Number of third parties who contact you
Frequency of contact attempts
Types of products marketed
In case of a breach affecting you:
We will comply with applicable law
Notice may be via email or website posting
We are not liable for breach damages
You waive breach-related claims
We do not participate in Privacy Shield or other international frameworks. International users have no special protections.
See Section 2 for comprehensive list.
Directly from you
Automatically during use
Third-party data providers
Public records
Social media
Lead generation and sale
Marketing and advertising
Business operations
Legal compliance
ALL categories listed in Section 2 are sold and Used.
California residents may request information about disclosures to third parties for direct marketing.
Nevada residents may opt-out of sale of covered information. Email [email protected] with "Nevada Opt-Out" in subject line.
For accessible version of this policy, contact [email].
Privacy Questions:
Oliva Capital LLC
37 N. Orange Avenue
Suite 600A
Orlando, Florida 32801
Email: [email protected]
BY USING OUR SERVICES, YOU EXPRESSLY CONSENT TO:
Collection of extensive personal information
Sale of your data to unlimited third parties
Indefinite retention of your information
Cross-device and cross-site tracking
Using with insurance and financial companies
Automated decision-making and profiling
Recording of all communications
Marketing from numerous third parties
Limited control over your data
Assumption of all privacy risks
YOUR CONSENT IS VOLUNTARY BUT REQUIRED FOR SERVICE USE.
This Privacy Policy is part of our Terms of Service. All limitations of liability, indemnifications, and legal protections in the Terms of Service apply to privacy matters.
WE MAKE NO GUARANTEES REGARDING:
Data security or breach prevention
Third-party compliance with law
Accuracy of information collected
Your ability to control your data
Marketing contact frequency
I UNDERSTAND THAT BY USING Oliva Capital SERVICES:
My information will be sold repeatedly
I will receive numerous marketing contacts
I have limited privacy rights
I assume all risks of data using
This consent continues indefinitely
© 2025 Oliva Capital. All rights reserved.