Privacy Policy

This Privacy Policy describes how YosaKai Financial collects, uses, shares and protects personal information from visitors to this website, prospective clients and existing clients in the United States.

It applies to information we collect through this website, consultation request forms, phone and email conversations, and the servicing of insurance and financial planning relationships. Certain information we handle in connection with insurance and financial products may also be governed by the Gramm-Leach-Bliley Act, state insurance privacy laws and other applicable regulations.

We collect only the information we need to respond to your request and, if you become a client, to place and service coverage or build a financial plan.

• Contact information — name, email address, phone number and postal or ZIP code.
• Service preferences — the services you select on our forms, such as estate planning, life insurance, financial advising or mortgage protection.
• Financial and household information — income, assets, debts, existing coverage, mortgage details and beneficiaries you choose to share.
• Health information — only when required by an insurance carrier's underwriting process and only with your knowledge.
• Technical information — pages viewed, browser type, device information and IP address, collected automatically when you use this site.
• Inferences — planning needs we identify from the information above so we can recommend appropriate services.

• Responding to consultation requests and scheduling conversations.
• Preparing needs analyses, quotes, financial plans and insurance applications.
• Submitting applications to insurance carriers and product providers you authorize.
• Servicing existing relationships, including annual reviews, policy service and beneficiary updates.
• Meeting legal, licensing, recordkeeping and anti-fraud obligations.
• Operating, securing and improving this website and our services.

We do not sell personal information. We do not share personal information for cross-context behavioral advertising or unrelated marketing purposes.

We may share personal information with: insurance carriers and product providers you ask us to apply to; licensed professionals working on your file; service providers that host our website, email and client records under contract; and government or regulatory bodies when required by law.

We maintain administrative, technical and physical safeguards designed to protect the personal information in our care. Access is limited to employees and representatives who need it to perform their jobs, and we require our service providers to use appropriate security measures.

We keep inquiry information for as long as needed to follow up on your request, and client records for the period required by insurance and financial services recordkeeping rules. When a record is no longer required, we delete or de-identify it securely.

Depending on your state of residence, you may have rights to know, access, correct, delete or opt out of certain uses of your personal information. We honor these rights to the extent required by applicable law.

• Request access to the personal information we maintain about you.
• Request correction of inaccurate personal information.
• Request deletion of personal information, subject to legal and recordkeeping exceptions.
• Opt out of sale or targeted advertising — we do not sell personal information or use targeted advertising, so there is nothing to opt out of.
• Be free from retaliation or discrimination for exercising your privacy rights.

To ask a question about this policy or to exercise a privacy right, email hello@yosakaifinancial.com with the subject line 'Privacy Request,' or submit the form on our Contact page. We will verify your identity using information already in our records before acting on a request.

An authorized agent may submit a request on your behalf with written permission signed by you; we may still contact you to confirm the request.

This website is intended for adults. We do not knowingly collect personal information from children under 16 except beneficiary or dependent details a parent or guardian provides as part of a family plan.

We update this policy when our practices change. The effective date below reflects the most recent revision. Please review it periodically.