Who we are
Privacy Policy
Effective Date: 03/07/2025
Last Updated: 03/07/2025
1. Introduction
Virtue Group LLC (“Company,” “we,” “us,” or “our”) operates finalexpensenerds.com and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and interact with our services.
By using our services, you agree to the collection and use of information as outlined in this policy. If you do not agree, please refrain from using our services.
2. Information We Collect
We collect the following categories of personal information:
Personal Identifiers: Name, email, phone number
Financial Information: Payment details for transactions
Health Information (If Applicable): Data necessary for insurance quotes and enrollment (subject to HIPAA compliance)
Marketing & Tracking Data: Cookies and tracking technologies (including but not limited to Google Analytics)
We collect this information through online forms, phone calls, text messages, emails, and automated tracking technologies.
3. How We Use Your Information
We use your information for the following purposes:
Providing insurance quotes and enrolling customers in insurance plans
Contacting users for customer support, marketing, or wellness check-ins
Processing payments and transactions
Improving website functionality and analyzing user behavior through tracking technologies
Legal compliance, fraud prevention, and business operations
4. Data Sharing & Selling Information
We may share your data with:
Insurance carriers and agents for policy applications and enrollments
Third-party service providers for payment processing, analytics, and marketing
Legal or regulatory authorities when required by law
Future Sale of Data: We reserve the right to sell customer data to third parties. Users will be notified of any material changes regarding data sales and given opt-out options where required by law.
5. HIPAA Compliance (If Applicable)
If we collect health-related information, we comply with HIPAA (Health Insurance Portability and Accountability Act) to protect sensitive health data. We implement safeguards to prevent unauthorized access, disclosure, or misuse.
6. Your Rights & Choices
Depending on your location, you may have the following rights:
Access & Correction: Request copies of your data or correct inaccuracies
Deletion Requests: Request deletion of your personal information email [email protected]
Opt-Out of Marketing: Reply “STOP” to text messages or notify us via email at [email protected]
Do Not Sell My Data: Where applicable, users can opt out of data sales via email at [email protected]
7. Data Security
We implement SSL (Secure Sockets Layer) encryption, access controls, and secure storage to protect your information. However, no system is 100% secure. Users should also take precautions when sharing personal data online.
8. Cookies & Tracking Technologies
We use cookies, web beacons, and similar technologies for tracking user behavior. Users can manage cookie preferences through browser settings.
9. CRM & Data Storage
We use a CRM to manage customer data. All data is stored securely and is only accessible to authorized personnel.
10. U.S.-Only Services
We serve clients within the United States only. Our services and data processing comply with U.S. federal and state laws.
11. Updates to This Privacy Policy
We may update this policy periodically. Users will be notified of significant changes via email or website updates.
12. Contact Information
For questions or privacy-related concerns, contact us at:
Virtue Group LLC
5900 Balcones Dr, Austin, TX 78731
Email: [email protected]