Privacy Policy

Age Requirements

By using this Website, You represent that You are at least 18 years of age. We do not target Our services to minors and do not intentionally collect Personal Data directly from anyone under the age of 18 through the Website.

SMS Opt-In

You may opt in to receive text messages from Nilewealth LLC through a webform on https://nilewealthllc.com. By submitting Your telephone number and checking the applicable consent box, You consent to receive recurring transactional, service-related, and, where separately disclosed at the point of collection, marketing or promotional text messages from Nilewealth LLC regarding Your inquiry, requested insurance consultation, quote request, application status, appointment, policy-service request, or other services You requested.

Messages may include appointment confirmations and reminders, responses to inquiries, requested follow-up, insurance-related educational information, service updates, application or policy-related status communications where permitted, and promotional messages when You have provided the required consent.

Message frequency may vary. Message and data rates may apply. Consent to receive marketing text messages is not a condition of purchasing any property, goods, or services. Reply HELP to (484) 735-9844 for help. Reply STOP to opt out at any time.

Carriers are not responsible for messages sent by Nilewealth LLC unless a message expressly identifies a carrier as the sender.

Important Mobile Data Disclosure

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use-case categories exclude text-messaging originator opt-in data and consent; this information will not be shared with any third parties.

Interpretation and Definitions

Interpretation

Words with initial capital letters have meanings defined under the following conditions. These definitions apply whether the terms appear in singular or plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account, if offered, created for You to access Our Service or parts of Our Service.
• Affiliate means an entity that controls, is controlled by, or is under common control with a party.
• Company (referred to as "the Company," "We," "Us," or "Our") refers to Nilewealth LLC, 502 W 7th St Ste 100, Erie, PA 16502.
• Consumer means an individual who visits the Website, submits an inquiry, requests a consultation or quote, or otherwise interacts with the Service.
• Cookies are small files placed on Your Device that store browsing information.
• Country refers to the United States.
• Device means any device that can access the Service.
• Insurance Carrier means an insurance company that may issue, administer, underwrite, or decline an insurance policy. Nilewealth LLC is not an Insurance Carrier.
• Personal Data means any information relating to an identified or identifiable individual.
• Service refers to the Website and the insurance-brokerage information, consultation-request, quote-request, and related communication services made available through it.
• Service Provider means a contractor or vendor engaged to process data on Our behalf or support operation of the Service, such as website hosting, customer relationship management, communications, analytics, security, or customer support.
• Usage Data means data collected automatically through use of the Service.
• Website refers to Nilewealth LLC, accessible at https://nilewealthllc.com.
• You means the individual or legal entity accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may request Personal Data including:

• First and last name
• Email address
• Telephone number
• Address, city, state, and ZIP or postal code
• Age or date of birth
• State of residence
• Insurance interests and coverage goals
• Preferred appointment or contact information
• Information You voluntarily provide about Your household, finances, health, beneficiaries, or existing coverage when relevant to an insurance inquiry or application
• Communications, form submissions, consent records, and opt-in or opt-out preferences

Please do not submit sensitive health, financial, payment, government-identification, or beneficiary information through a general Website contact form unless the form specifically requests it and is intended for secure collection. Additional information required for an insurance application may be collected through carrier-approved or other authorized processes and may be governed by additional notices.

You may opt out of receiving SMS messages at any time by replying STOP, END, CANCEL, QUIT, or UNSUBSCRIBE, or by contacting Us using the information below. You may receive one non-marketing message confirming Your opt-out.

Usage Data

Usage Data may be collected automatically and may include:

• Internet Protocol address
• Browser type and version
• Pages visited
• Date and time of visits
• Time spent on pages
• Device identifiers
• Referring pages
• Diagnostic, security, and performance data

When accessing the Service through a mobile Device, limited technical data may be collected for functionality, performance, analytics, and security.

Tracking Technologies and Cookies

We may use Cookies and similar technologies to operate, secure, maintain, analyze, and improve the Service. Cookies may be used for:

• Essential Website functionality
• User preferences
• Security and fraud prevention
• Performance and analytics
• Measuring the effectiveness of Website content or advertising, where used and permitted

You may disable Cookies through Your browser settings. Some Service features may not function properly after Cookies are disabled.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide, operate, secure, maintain, and improve the Service
• To respond to inquiries and consultation or quote requests
• To communicate with You by telephone, email, or SMS when permitted
• To schedule and manage appointments
• To understand Your stated insurance interests and connect You with a licensed insurance professional
• To assist with insurance comparisons, applications, underwriting communications, and policy-service requests where authorized
• To transmit information to Insurance Carriers, administrators, or authorized service providers when necessary to fulfill a request You initiated or an application You authorized
• To maintain consent, communication, transaction, and compliance records
• To comply with applicable legal, regulatory, licensing, fraud-prevention, and recordkeeping obligations
• To protect the rights, safety, and security of Consumers, the Company, and others
• To evaluate Website performance and improve user experience

Nilewealth LLC is an independent insurance brokerage and is not an Insurance Carrier. Insurance coverage is subject to product availability, state availability, eligibility, underwriting, carrier approval, and policy terms. Submission of information through the Website does not create insurance coverage or guarantee approval.

Disclosure of Your Personal Data

We do not sell or rent Personal Data. We do not share mobile information with third parties or affiliates for their marketing or promotional purposes.

Personal Data may be disclosed only when reasonably necessary in the following circumstances:

• Insurance Requests and Applications: When You request a consultation, quote, application, or policy-related service, We may disclose relevant Personal Data to licensed insurance professionals, Insurance Carriers, underwriting entities, administrators, examination vendors, or other authorized participants as needed to process or service the request You initiated.
• Operational Support: We may disclose Personal Data to Service Providers that support Website hosting, customer relationship management, communications, analytics, security, document management, customer support, or similar operational functions. Such providers may process information only to perform authorized services and are expected to protect it appropriately.
• Business Transactions: If the Company is involved in a merger, acquisition, financing, reorganization, or sale of assets, Personal Data may be transferred as part of that transaction, subject to applicable law and appropriate confidentiality protections.
• Legal and Regulatory Obligations: Disclosure may occur when reasonably necessary to comply with law, regulation, subpoena, court order, licensing inquiry, lawful government request, fraud investigation, or other legal process, or to protect legal rights and safety.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use-case categories exclude text-messaging originator opt-in data and consent; this information will not be shared with any third parties.

Insurance and Health Information

Information provided in connection with an insurance inquiry or application may include health, financial, lifestyle, beneficiary, or other sensitive information. Such information may be used or disclosed as reasonably necessary to evaluate, submit, underwrite, administer, or service an insurance request or policy You authorize, and as otherwise permitted or required by law.

Insurance Carriers and other recipients may maintain separate privacy notices and data-handling practices. Their processing of information may be governed by their own policies and applicable insurance and privacy laws.

Retention of Your Personal Data

We retain Personal Data only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing requested services, maintaining consent and opt-out records, servicing insurance-related requests, resolving disputes, enforcing agreements, and satisfying legal, regulatory, licensing, tax, fraud-prevention, and recordkeeping requirements.

Usage Data may be retained for internal analysis, security, and operational purposes for the period reasonably necessary to fulfill those purposes.

Transfer of Your Personal Data

Your information may be processed in locations where the Company, Insurance Carriers, or Service Providers operate. We take reasonable measures designed to protect information consistently with this Privacy Policy and applicable law.

Your Privacy Choices and Requests

Subject to applicable law, You may request access to, correction of, or deletion of certain Personal Data by contacting Us. You may also request that We update Your communication preferences.

Certain information may be retained where required or permitted by law, including consent records, opt-out records, insurance transaction records, compliance records, fraud-prevention information, and information needed to establish, exercise, or defend legal claims.

To stop SMS communications, reply STOP or use another reasonable opt-out method. Opting out of marketing messages does not prevent Us from sending non-marketing communications that are necessary to respond to a request, complete an authorized transaction, service an existing policy, or comply with law, where permitted.

Security of Your Personal Data

We use commercially reasonable administrative, technical, and organizational safeguards designed to protect Personal Data. However, no method of transmission, electronic storage, or security control is completely secure, and We cannot guarantee absolute security.

Children's Privacy

Our Service is intended for adults and does not knowingly collect Personal Data from children under 13. If We learn that Personal Data from a child under 13 was collected through the Website without legally valid authorization, We will take reasonable steps to delete it.

Links to Other Websites

The Service may contain links to Insurance Carriers, service providers, or other third-party websites. We do not control and are not responsible for their content, security, or privacy practices. Review the policies of any third-party website before providing information.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised "Last updated" date. Material changes may also be communicated through other reasonable means where required by law.

Contact Us

If You have questions about this Privacy Policy or wish to submit a privacy request, contact:

See also our Terms and Conditions.