Privacy Policy

Privacy Policy

Effective Date: May 2, 2025

Northbridge Solutions LLC d/b/a 

Kindwell Financial

(“Kindwell,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, landing pages, and forms (collectively, the “Site”) and when you interact with us by phone, text, email, or social media.

1. Information We Collect

We may collect the following categories of information:

Contact & Identifiers – name, mailing address, email, telephone number, date of birth, driver’s‑license or state‑ID. Health & Lifestyle Data – height, weight, tobacco use, medical history, prescription information (supplied by you for underwriting).Financial Data – income range, assets, debts, Social Security number for applications, and bank‑account details for premium payments.Internet/Device Data – IP address, browser type, referring URLs, time spent on pages, cookie identifiers, and pixel tags collected through cookies and analytics tools. MarketingnPreferences – your opt‑in or opt‑out choices for phone, SMS, and email communications.

Children’s Privacy: Our services are intended for adults 18 years or older. We do not knowingly collect information from anyone under 13.

2. How We Use Your Information

We use information to:

Generate life‑insurance quotes and illustrations, and submit applications.Schedule, confirm, and conduct appointments with licensed agents.Send promotional emails, texts, calls, and targeted advertisements (you may opt out at any time).Comply with legal and regulatory obligations, including anti‑money‑laundering, TCPA, and Do‑Not‑Call rules.Analyze Site usage and improve functionality, security, and user experience.Detect, investigate, and prevent fraud or security incidents.

3. How We Share Information

We may share information with:

Insurance carriers and field‑marketing organizations (FMOs/IMOs) to obtain underwriting decisions, issue policies, and process commissions.Licensed agents and internal staff for needs analysis, customer service, and policy servicing.Service providers that perform services on our behalf, such as cloud hosting, CRM (Go High Level), email/SMS distribution, payment processing, analytics, and advertising platforms (e.g., Facebook/Meta and Google).Legal or regulatory authorities when required to respond to subpoenas, audits, or other lawful requests.Successors in interest in the event of a merger, acquisition, restructuring, or asset sale.

We do

not

sell your personal information for monetary consideration. If any data practice were deemed a “sale” under applicable law, you would have the right to opt out.

4. Cookies & Tracking Technologies

We use first‑ and third‑party cookies, pixels, and similar technologies to keep you logged in, remember form inputs, measure and improve ad performance, build custom or “Special Ad” audiences on Meta, and prevent fraud. Most browsers allow you to refuse or delete cookies; doing so may affect Site functionality.

5. Marketing Communications & Consent

By providing your contact information, you expressly consent to receive phone calls, emails, and SMS/text messages—including those sent via autodialer or prerecorded voice—from Kindwell and its licensed agents at the number and email you provide.

Consent is not required to purchase any product.

Opt‑out of SMS: reply STOP.Opt‑out of email: click Unsubscribe in any email or email us at [email protected].Opt‑out of phone calls: tell the caller or email us with your request.Internal Do‑Not‑Call list: To be placed on our internal “Do Not Call” list, email [email protected] or call us at the number in Section 9.

6. Data Security & Retention

We employ administrative, technical, and physical safeguards—encryption in transit and at rest, multi‑factor authentication for staff, and least‑privilege access controls. We retain personal information as long as necessary to fulfill the purposes outlined in this policy, meet legal or contractual obligations, and resolve disputes—typically seven (7) years after the last policy lapse or quote activity, unless a longer period is required by law.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

Access or download a copy of the personal information we hold about you.Correct inaccurate or incomplete information.Delete certain data, subject to legal exceptions.Opt out of targeted advertising or any data practice considered a “sale.”Restrict or object to certain processing activities.Withdraw consent at any time (affects only future processing).

To exercise any of these rights, email

[email protected]

or write to us at the address in Section 9. We will verify your identity before processing any request.

8. International Users (GDPR Notice)

If you are located in the European Economic Area, you have additional rights under the GDPR, including the right to lodge a complaint with your local supervisory authority. Our lawful bases for processing your data include contract, legal obligation, and legitimate interests (such as marketing and fraud prevention).

9. Contact Us

Northbridge Solutions LLC d/b/a Kindwell Financial

Attn: Privacy Officer

1848 Spoonbill Ct

Deerfield Beach, FL 33442, USA

Email: [email protected]

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Effective Date” at the top of this page. Your continued use of the Site after we post changes constitutes acceptance of those changes.

Last updated May 2, 2025.