Privacy Policy
We take your privacy seriously. This policy explains what information we collect, how we use it, and your rights.
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Effective Date: February 2026 |
⚠ Notice
This privacy policy has been prepared in good faith to comply with applicable federal and state requirements including GLBA, HIPAA, and TCPA. We recommend this document be reviewed by a licensed attorney or compliance consultant before going live, particularly the opt-out and GLBA notice sections.
1. Who We AreGolden Solutions Insurance LLC is an independent insurance agency based in Shelby, North Carolina. We are licensed to sell insurance products in multiple states and act as an intermediary between our clients and insurance carriers. We are not an insurance carrier or health plan — we are a licensed agent and broker. Contact: 231 East Marion Street, Unit 1, Shelby, NC 28150 | (704) 477-1426 | info@goldensolutionsinsurance.com
2. Information We CollectIn order to help you find and apply for insurance coverage, we collect personal information that is necessary to evaluate your coverage options and submit applications on your behalf. This may include: Personal & Contact Information
Full name, date of birth, Social Security number, address, phone number, and email address. Health & Medical Information
Current health conditions, prescription medications, doctors and healthcare providers, and existing coverage information. This information is classified as Protected Health Information (PHI) under HIPAA and is handled accordingly. Financial Information
Income information and other financial data required for certain insurance applications. This is classified as Nonpublic Personal Information (NPI) under the Gramm-Leach-Bliley Act (GLBA). Insurance & Coverage Information
Current insurance policies, plan types, carrier names, policy numbers, and enrollment periods. Website & Communication Information
Information submitted through our contact form, intake forms, or via email, phone, or text message. This may include your phone number if you opt in to receive text messages from us.
3. How We Use Your InformationWe use your personal information only for the following purposes:
We do not use your personal information for marketing purposes unrelated to your insurance needs, and we do not sell your information to any third party under any circumstances.
4. How We Share Your InformationWe do not sell, rent, or trade your personal information. We do not share your information with data brokers, marketing companies, or any unaffiliated third party for commercial purposes. The only circumstance in which we share your personal information is when it is necessary to obtain insurance coverage for you. Specifically: Insurance Carriers
When you ask us to find or apply for coverage on your behalf, we share only the minimum information required by that specific carrier to process your application or enrollment. We do not share more than is necessary. Legal or Regulatory Requirements
We may disclose information when required to do so by law, court order, or regulatory authority, including state insurance regulators. With Your Explicit Consent
We may share information with other parties only if you give us your explicit written or verbal consent to do so.
5. GLBA Notice — Your Financial Privacy RightsAs an insurance agency, we are subject to the Gramm-Leach-Bliley Act (GLBA), which requires us to tell you how we collect, share, and protect your nonpublic personal financial information (NPI). What we collect: We collect NPI such as your name, address, Social Security number, income information, and insurance application data — only as necessary to provide insurance services to you. What we share: We do not share your NPI with nonaffiliated third parties except as permitted by law — specifically, to process your insurance application with a carrier you have asked us to contact on your behalf. Your opt-out right: Because we do not share your NPI with nonaffiliated third parties for marketing or other non-service purposes, there is no opt-out required under GLBA. You will not receive an opt-out form from us because we do not engage in the types of sharing that would trigger that requirement. How we protect it: We maintain physical, electronic, and procedural safeguards to protect your NPI in compliance with GLBA’s Safeguards Rule.
6. HIPAA — Health Information PrivacyWhen we assist you with health insurance, Medicare-related coverage, or other products that involve health information, we may receive and handle Protected Health Information (PHI) as defined under HIPAA. As a Business Associate of the health plans we work with, we are required to:
We do not use your health information for any purpose other than helping you obtain insurance coverage.
7. Text Message Communications (TCPA)If you have provided your phone number and checked the SMS consent box on our contact or intake form, you have agreed to receive text messages from Golden Solutions Insurance. Specifically:
We maintain a record of your consent including the date, source, and phone number provided. These records are retained for a minimum of 4 years in compliance with TCPA requirements.
8. How We Protect Your InformationWe implement reasonable physical, electronic, and administrative safeguards to protect your personal information, including:
9. Your RightsYou have the right to:
To exercise any of these rights, contact us at info@goldensolutionsinsurance.com or call (704) 477-1426.
10. Data RetentionWe retain your personal information for as long as necessary to provide services to you and to comply with applicable legal, regulatory, and recordkeeping requirements. Insurance-related records are typically retained for a minimum of 5–7 years in accordance with state insurance regulations. TCPA consent records are retained for a minimum of 4 years.
11. Cookies & Website DataOur website may use cookies or similar technologies for basic functionality and analytics. We do not use cookies to track you across other websites or to build advertising profiles. You may disable cookies in your browser settings at any time without affecting your ability to use our services.
12. Changes to This PolicyWe may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically.
13. Contact Us About PrivacyIf you have questions or concerns about this Privacy Policy or how your information is handled, please contact us: Golden Solutions Insurance LLC |
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