Privacy Policy

Last updated: January 2026

Introduction

Outperform Financial and Insurance Services (“Outperform Financial,” “we,” “us,” or “our”) is a California‑licensed insurance agency (License No. 6018216) that provides insurance and related financial services to individuals, families, businesses, and organizations.

This Privacy Policy explains how we collect, use, disclose, and safeguard information about you when you interact with our website at https://www.outperform-financial.com, our online forms, our social media pages, and our digital advertising and marketing campaigns (collectively, the “Services”).

By using the Services or providing information to us, you acknowledge that you have read this Privacy Policy and understand how we handle your information as described below, subject to any additional notices that may be provided to you at the time of collection.

Scope and applicable laws

This Privacy Policy is intended to comply with applicable federal and California privacy laws and insurance‑specific requirements, including, as applicable:

Gramm‑Leach‑Bliley Act (“GLBA”) and its implementing regulations regarding privacy of consumer financial information.

California Insurance Information and Privacy Protection Act (“IIPPA”), Cal. Ins. Code §§ 791‑791.27, and related California Department of Insurance privacy regulations, which govern the collection, use, and disclosure of personal information in connection with insurance transactions.

California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, “CCPA/CPRA”), to the extent it applies and is not preempted or superseded by GLBA, IIPPA, or other insurance‑specific privacy laws.

California’s “Shine the Light” law (Cal. Civ. Code § 1798.83) and other California privacy and consumer protection statutes related to transparency and marketing communications.

To the extent that personal information we handle is subject to exemptions under GLBA or IIPPA, some of the consumer rights described in California’s general privacy laws may not apply to that information; however, Outperform Financial still follows robust privacy and security practices consistent with industry standards and regulatory expectations.

Information we collect

Outperform Financial may collect the following categories of information, which may be considered “personal information,” “nonpublic personal information,” or “personally identifiable information” under applicable law:

Identifiers, such as your name, postal address, email address, telephone number, date of birth, driver’s license or other government ID number, Social Security number, and customer or policy numbers.

Demographic and relationship information, such as marital status, household information, dependents, beneficiaries, and employment details if disclosed in connection with an insurance inquiry or application.

Financial information, such as income, assets, investment or retirement account information, bank information (if provided for premium payment), credit history, and other financial details requested or received in connection with underwriting, policy servicing, or claims.

Insurance information, such as your insurance needs, health‑related information as permitted by law, policy details, coverage selections, claims history, and similar information provided by you, your representatives, our carrier partners, or other authorized sources in connection with an insurance transaction.

Online and device information, such as IP address, device identifiers, browser type, operating system, referring URLs, pages viewed, links clicked, session data, approximate location (based on IP), and other technical information collected through cookies, pixels, tags, or similar technologies when you use our website or interact with our online content and campaigns.

Marketing and communications information, such as your preferences about how we contact you, responses to email or SMS campaigns, social media interactions, lead‑capture form responses, and information you provide when you register for events or request information.

Inferences drawn from the above information to create a profile about your insurance and financial needs, preferences, or interests, where permitted by law and in line with your expectations for our services.

We may collect these categories of information directly from you, from your authorized representatives (such as other family members, business contacts, trustees, or plan fiduciaries), from insurance companies and other insurers with whom we place or seek to place coverage, from third‑party data providers and consumer reporting agencies, from publicly available sources, and from your interactions with our website, social media, and advertising platforms.

How we collect information

Outperform Financial may collect information about you in the following ways:

Directly from you when you complete a contact form, quote request, application, survey, or other form on our website, when you speak with us by phone, email, video conference, or in person, or when you otherwise communicate with us.

From our website and digital tools through cookies, web beacons, pixels, log files, and similar tracking technologies that collect data about how you access and use our online Services, including technologies used by third‑party analytics and advertising providers.

From social media platforms and advertising partners when you interact with our pages, content, or ads on platforms such as Facebook, LinkedIn, Google, or others, including information about ad impressions, clicks, form fills, and campaign performance.

From insurance carriers, managing general agents, third‑party administrators, and other insurance‑related entities with whom we work to underwrite, place, service, or administer insurance products or related services.

From consumer reporting agencies, data brokers, and similar organizations that provide background, credit, or demographic information in connection with underwriting, fraud prevention, or other legitimate business purposes, as allowed by law.

Where required by law, we will provide an appropriate privacy notice at or before the time we collect personal information in connection with an insurance transaction.

Legal bases and legitimate interests

In jurisdictions that require a legal basis for processing personal information, Outperform Financial processes personal information under one or more of the following:

Providing insurance and financial services requested by you, including taking steps at your request prior to entering into a contract.

Compliance with legal and regulatory obligations, such as those imposed by insurance laws, anti‑money‑laundering rules, recordkeeping requirements, and consumer protection statutes.

Your consent, where required (for example, certain types of electronic marketing, or use of sensitive personal information beyond what is reasonably necessary to provide our services).

Our legitimate interests in operating, improving, and promoting our business, including:

Responding to inquiries and providing customer support.
Evaluating insurance needs and designing coverage proposals.
Marketing products and services consistent with applicable law and your preferences.
Protecting the security and integrity of our systems and Services.

When Outperform Financial relies on legitimate interests, those interests are balanced against your privacy rights and expectations, and processing is carried out in a way that is proportionate and respectful of your information.

How we use your information

Outperform Financial uses the information described above for purposes including:

Providing and servicing insurance and related products, including:

Responding to quote or consultation requests.
Assessing your eligibility and insurability.
Preparing illustrations, proposals, and applications.
Placing coverage with insurance carriers and assisting with policy changes, renewals, and claims.

Operating, maintaining, and improving our website and digital Services, including:

Analyzing site usage, performance, and security.
Debugging errors and enhancing user experience.
Conducting analytics and developing new services or features.

Communicating with you, including:

Responding to inquiries and service requests.
Sending administrative communications, policy information, and required legal notices.
Providing educational content, newsletters, and information about products or services that may be of interest, consistent with applicable law.

Conducting marketing and advertising, including:

Managing online advertising and lead‑generation campaigns.
Tracking responses to campaigns and optimizing our marketing strategies.
Segmenting audiences and tailoring content in line with your interests and preferences, where permitted.

Managing risk, security, and fraud prevention, including authentication, incident detection, and responding to suspected malicious or illegal activities.

Meeting legal, regulatory, and compliance obligations, including responding to lawful requests from regulators, law enforcement, courts, and other government authorities.

We do not use personal information for purposes that are materially different, unrelated, or incompatible with the purposes described in this Privacy Policy without providing you with notice and, where required, obtaining your consent.

Outperform Financial may share the categories of personal information described above with the following categories of recipients, as permitted by law:

Insurance carriers and related entities, including insurance companies, managing general agents, underwriters, third‑party administrators, reinsurers, and similar entities that need the information to underwrite, issue, service, or administer insurance products and services you request or that are provided to you.

Service providers and contractors who perform services on our behalf, such as IT support, website hosting, email and marketing automation, analytics providers, document management, customer relationship management, and professional advisors (e.g., attorneys, accountants, compliance consultants).

Other insurance professionals, such as brokers, agents, or consultants involved in your case, when necessary to place coverage or coordinate services at your direction or with your consent.

Regulatory and governmental authorities, including insurance regulators and other supervisory agencies, when required to comply with applicable laws, respond to regulatory inquiries, or report data breaches or other reportable events.

Law enforcement, courts, and third parties in connection with legal claims, subpoenas, investigations, or to protect the rights, property, and safety of Outperform Financial, our customers, or others.

Successors in interest, in connection with a merger, acquisition, corporate reorganization, or other business transaction involving Outperform Financial, subject to appropriate confidentiality and data protection obligations.

Outperform Financial does not disclose nonpublic personal financial information about current or former customers to non‑affiliated third parties, except as permitted by law, such as to process transactions or maintain accounts, respond to court orders and legal investigations, or as otherwise described in this Privacy Policy and in any GLBA‑style privacy notice provided to you.

Under CCPA/CPRA, certain disclosures of personal information for cross‑context behavioral advertising or data‑driven marketing may be considered a “sale” or “sharing” of personal information, even when no money changes hands.

Outperform Financial does not sell your personal financial information in the traditional sense and does not provide your nonpublic personal financial information to third parties for their independent marketing purposes without your consent or as otherwise permitted by law.

Our use of third‑party analytics and advertising cookies or similar technologies on our website may, under California law, be considered a “sale” or “sharing” of online identifiers and usage data with those providers.

Where required and technically possible, our website will include mechanisms such as a “Do Not Sell or Share My Personal Information” link or equivalent settings, allowing California residents to opt out of such sale or sharing for cross‑context behavioral advertising.

Cookies and tracking technologies

Outperform Financial and its service providers may use cookies, web beacons, pixels, tags, scripts, and similar technologies to:

Recognize your device or browser.

Remember your preferences and settings.

Analyze traffic and usage patterns on our website.

Measure the effectiveness of marketing campaigns.

Provide interest‑based content and advertisements.

You can manage or disable cookies in your browser settings; however, some features of our website may not function properly if cookies are disabled.

Where required by law, we will provide notice and obtain consent for certain categories of cookies or tracking technologies.

Retention of your information

Outperform Financial retains personal information for as long as necessary to:

Fulfill the purposes outlined in this Privacy Policy.

Provide products and services to you.

Comply with applicable laws and regulations, including insurance recordkeeping requirements and limitation periods for legal claims.

Maintain appropriate business and regulatory records.

Retention periods may vary depending on the type of information and the nature of the relationship, but insurance and financial records are often retained for extended periods as required by law or regulation.

Security of your information

Outperform Financial maintains administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of personal information under our control, consistent with applicable law and industry expectations for insurance and financial services.

Safeguards may include access controls, encryption or pseudonymization where appropriate, secure storage, network security measures, vendor due‑diligence and contracts, employee training, and incident response procedures.

No system can be guaranteed to be completely secure, and you are encouraged to use caution when transmitting information over the Internet and to notify us promptly if you believe your information with us may have been compromised.

Your privacy rights

Depending on where you reside and the nature of the information we hold, you may have certain rights regarding your personal information, which may include:

The right to know and access: To request information about the categories of personal information we collect, the categories of sources, purposes for collection, categories of recipients, and specific pieces of personal information we hold about you, subject to certain exceptions.

The right to correction: To request that we correct inaccurate personal information about you.

The right to deletion: To request that we delete personal information we have collected from you, subject to legal exceptions and obligations to retain certain data (for example, in connection with insurance and financial recordkeeping or compliance).

The right to opt out of sale or sharing: For California residents, to request that we not sell or share your personal information for cross‑context behavioral advertising, if applicable.

The right to limit the use of sensitive personal information: To the extent required by CCPA/CPRA, to request that we limit our use of sensitive personal information to what is reasonably necessary to provide requested services or comply with law.

The right to non‑discrimination: We will not discriminate against you for exercising your privacy rights under applicable law.

Some of these rights may not apply to information subject to GLBA, IIPPA, or other legal exemptions, and certain requests may be denied or limited where an exception applies (for example, where retention is legally required or where fulfilling the request would adversely affect the rights of others).

Exercising your rights

To exercise your privacy rights, or to ask questions about this Privacy Policy or our privacy practices, you may contact us using any of the methods below:

Email: info@outperform-financial.com

Website: You may also use the contact form at https://www.outperform-financial.com/contact

Telephone: (626) 563‑9537

To help protect your privacy and security, we may need to verify your identity before responding to certain requests, which may involve requesting additional information to reasonably confirm that you are the person about whom we collected personal information or an authorized agent. Authorized agents submitting requests on behalf of a California resident will be required to provide proof of authorization and may be subject to additional verification steps.

GLBA and insurance‑specific privacy notices

In addition to this Privacy Policy, Outperform Financial or the insurance carriers with whom we work may provide you with one or more GLBA‑style or IIPPA‑required privacy notices that describe in more detail how financial and insurance‑related information is collected, used, and shared, and your rights to opt out of certain information sharing.

Where those notices are provided, they are intended to work together with this Privacy Policy; if there is any conflict between this Privacy Policy and a GLBA or IIPPA‑specific notice with respect to how nonpublic personal information is handled, the GLBA or IIPPA notice will usually control for that information.

Children’s privacy

Our Services are intended for use by adults and are not directed to children under the age of 13, and Outperform Financial does not knowingly collect personal information from children under 13 without appropriate parental or guardian consent.

If we become aware that we have collected personal information from a child under 13 without such consent, we will take reasonable steps to delete the information as required by applicable law.

Third‑party websites and services

Our website and communications may contain links to websites, apps, or services operated by third parties, including insurance carriers, marketing partners, and social media platforms.

This Privacy Policy does not govern the privacy practices of those third parties, and you should review their privacy policies to understand how they handle your information.

International transfers

Outperform Financial is based in United States, and the Services are intended primarily for individuals located in United States.

If you access the Services from outside United States, you understand that your information may be transferred to, stored, and processed in the United States and possibly other jurisdictions that may have different data protection laws than those in your country of residence.

Changes to this Privacy Policy

Outperform Financial may update or modify this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.

When changes are made, we will post the updated Privacy Policy on https://www.outperform-financial.com and revise the “Last Updated” date at the top of the policy, and, where required by law, provide additional notice or obtain consent for material changes.

Contact information and privacy contact

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your information, you may contact:

Outperform Financial and Insurance Services
Website: https://www.outperform-financial.com
Telephone: (626) 563‑9537
Email: info@outperform-financial.com

For privacy‑specific matters, you may contact:

Privacy Contact: Andrew Sims, CEO
Email: andrew.sims@outperform-financial.com

Outperform Financial will review and respond to privacy inquiries and rights requests in accordance with applicable laws and regulatory guidance.