Privacy Policy

1. Introduction

Override Income (“we,” “us,” or “our”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website overrideincome.com (the “Site”) and use our financial services. We comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the Texas Privacy Act.

2. Information We Collect

Personal Information You Provide

When you use our Site or request our services, we may collect:

• Full name, email address, phone number, and mailing address
• Date of birth and Social Security Number (for insurance applications only)
• Financial information including income, assets, debts, and insurance coverage details
• Employment information and health-related information (for insurance underwriting)
• Beneficiary information you voluntarily provide
• Information submitted through our contact forms, quote requests, and appointment bookings
• Calculator inputs and results when you use our financial planning tools

Information Collected Automatically

When you visit our Site, we may automatically collect:

• IP address, browser type, and operating system
• Pages viewed, time spent on pages, and navigation patterns
• Referring website and search terms used to find our Site
• Device identifiers and general geographic location
• We use Google Analytics to collect and analyze website usage data to improve our services

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our financial advisory and insurance services
• Process insurance applications, quotes, and policy administration
• Respond to your inquiries and schedule consultations
• Send you important information about your policies or our services
• Personalize your experience and provide relevant financial recommendations
• Comply with legal obligations and regulatory requirements
• Detect and prevent fraud or unauthorized access
• Analyze website usage to improve our Site and services

4. Sharing of Information

We may share your personal information with:

• Insurance Carriers & Underwriters: To process applications and provide coverage
• Service Providers: Third parties who assist in operating our Site, conducting our business, or servicing you (e.g., email services, payment processors)
• Legal Compliance: When required by law, regulation, subpoena, or court order
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

5. Financial Privacy (GLBA Notice)

As a provider of financial services, we are required under the Gramm-Leach-Bliley Act to inform you of our privacy practices. We collect nonpublic personal information (NPI) from applications, transactions, and consumer reporting agencies. We do not disclose NPI to non-affiliated third parties except as permitted by law. We restrict access to your NPI to those employees and agents who need it to provide services to you. We maintain physical, electronic, and procedural safeguards to protect your NPI.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and collect usage data. We use Google Analytics to understand how visitors interact with our Site. You can control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our Site. We do not use cookies to collect sensitive financial information.

7. Data Security

We implement industry-standard security measures to protect your personal information, including encrypted data transmission (SSL/TLS), secure data storage, access controls, and regular security assessments. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

8. Your Rights and Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Limit the sharing of certain nonpublic personal information

To exercise any of these rights, please contact us at the information provided below.

9. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on this page with a revised “Last Updated” date. Your continued use of our Site after changes are posted constitutes your acceptance of the revised policy.