Privacy Notice

1. Scope

This Privacy Notice describes how Cardinal Oaks Financial Group LLC (“Cardinal Oaks,” “we,” “us,” or “our”) may collect, use, disclose, retain, and protect personal information through this website and related insurance inquiry services. It does not replace any separate privacy notice required for a particular financial or insurance product.

2. Information we may collect

Depending on the service requested, we may collect identifiers and contact information, such as name, email address, telephone number, ZIP code, state, and communication preferences; inquiry details, such as the type of coverage requested; records of communications and consent; and technical information, such as IP address, browser type, device information, security logs, and essential cookie or session data.

We do not ask you to submit Social Security numbers, Medicare beneficiary identifiers, payment card data, bank information, medical diagnoses, or detailed health information through a general website form. Do not send those items unless a licensed representative directs you to an approved secure channel.

3. How we may use information

• Respond to a request and provide information about insurance products or services.
• Match an inquiry with an appropriately licensed representative.
• Communicate about a requested service and, only with separate permission where required, send marketing communications.
• Maintain records of requests, consent, opt-outs, and regulatory compliance.
• Secure, operate, troubleshoot, and improve the website.
• Detect fraud, prevent misuse, enforce terms, and comply with law.

4. How information may be disclosed

We may disclose information as reasonably necessary to affiliates, licensed agents or brokers, insurance carriers, administrators, and other parties involved in fulfilling a request; vendors that support hosting, security, communications, customer relationship management, analytics, or professional services; regulators, law enforcement, courts, or other parties when required or permitted by law; and parties to a merger, financing, reorganization, or transfer of business assets, subject to appropriate protections.

Website inquiry details are transmitted through our hosting service and Resend, our transactional email-delivery provider, for delivery to Cardinal Oaks. The general inquiry form does not create a customer account or store an inquiry in a website database.

We do not sell personal information for money. Some state laws may define certain advertising or analytics disclosures as “sale,” “sharing,” or “targeted advertising.” If Cardinal Oaks later uses those technologies, this notice and the website’s choice mechanisms must be updated before use.

5. Medicare beneficiary information

Personal beneficiary data collected for Medicare marketing or enrollment will not be shared with another third-party marketing organization unless the individual provides the prior express written consent required by applicable CMS rules. Any such consent must be clear, prominently displayed, specific to each recipient, and maintained as required by law.

6. Retention

We intend to keep personal information only as long as reasonably necessary for the purposes described, to satisfy legal and regulatory recordkeeping duties, resolve disputes, and enforce agreements. Cardinal Oaks must adopt a written retention schedule before activating collection. When information is no longer required, it should be securely deleted or de-identified.

7. Security

We use administrative, technical, and physical safeguards designed to protect personal information. No internet transmission or storage system can be guaranteed completely secure. Do not send sensitive information through ordinary email or an unsecured web form.

8. Your choices and rights

You may opt out of marketing email using the unsubscribe method provided in the message. Depending on where you live, you may also have rights to request access, correction, deletion, portability, or information about certain disclosures, and to appeal a decision. We may verify identity before completing a request and may retain information where permitted or required by law.

Until a dedicated privacy email is established, submit privacy requests by telephone or mail using the contact information below. Do not include sensitive identifiers in an ordinary message.

9. Children

This website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13 through this website.

10. External services and changes

Third-party websites and services operate under their own privacy practices. We may update this notice to reflect legal, operational, or service changes. The effective date above shows when it was last revised.

11. Contact

For privacy questions or requests, call 919-899-4278 or write to Cardinal Oaks Financial Group LLC, 800 Pinner Weald Way, Suite 201, Cary, NC 27513, USA. Do not include sensitive identifiers in an ordinary message.