1. Introduction

ERFT Solutions LLC (“we,” “our,” or “us”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at erftsolutions.com or contact us in connection with our financial education and insurance services.

Please read this policy carefully. By using our website, you agree to the practices described herein. If you do not agree, please discontinue use of the site.

2. Information We Collect

We may collect the following types of information:

• Personal Identifiers: Name, email address, phone number, and other contact details you voluntarily provide via our contact forms or Calendly scheduling link.
• Usage Data: IP address, browser type, pages visited, time spent on pages, referring URLs, and other analytics data collected automatically when you visit our site.
• Communication Data: Messages, inquiries, and other content you send to us directly.
• Financial Background Information: General financial information you voluntarily share during consultations for the purpose of providing financial education.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule consultations
• Provide financial education and insurance-related information
• Send follow-up communications relevant to your expressed interests
• Improve our website content and user experience
• Comply with applicable laws and regulations
• Protect against fraud and unauthorized access

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information with:

• Xtreme 1 Financial Services: Our licensed partner agency, in connection with insurance product consultations and referrals.
• Service Providers: Third-party tools such as Calendly (scheduling), Google Analytics (usage analytics), and email service providers, solely to operate our business.
• Legal Requirements: When required by law, court order, or governmental authority.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. Please review our Cookie Policy for full details on what we collect and how to opt out.

6. California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, and disclose
• Request deletion of your personal information
• Opt out of the sale of your personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

To exercise your rights, please visit our Do Not Sell My Personal Information page or contact us at mark@erftsolutions.com.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Third-Party Links

Our website may contain links to third-party websites including Calendly and Xtreme 1 Financial. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Children’s Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us personal information, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the “Last Updated” date at the top of this page. Your continued use of the site following any changes constitutes your acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact:

Mark Nachlis
ERFT Solutions LLC
2555 Flores St., Ste 175, San Mateo, CA 94403
Email: mark@erftsolutions.com
Phone: 1-833-ERFTLIFE