Privacy Policy

Kensington Financial Associates ("Kensington," "we," "us," or "our") provides concierge lending against the cash value of whole life insurance policies. We operate the website at kensingtonfa.com (the "Site") and are based at 2980 NE 207th Street, Suite 807, Aventura, FL 33180.

This Privacy Policy explains how we collect, use, share, and protect the information you provide through the Site, including through our pre-qualification form and secure loan application portal. It applies to the Site only and not to information collected offline or through channels unrelated to the Site.

Information you provide directly

• Contact details such as your name, phone number, email address, and mailing address
• Identity and eligibility information such as date of birth, Social Security number, and U.S. citizenship status
• Financial information such as estimated policy cash value, requested loan amount, income, and business revenue
• Insurance policy details such as your carrier, policy number, policy owner, and the name and contact information of your insurance agent
• Employment information such as your employer, job title, and length of employment
• Documents you upload, such as a driver's license, policy in-force illustration or status report, and other supporting files
• Your electronic signature and the declarations you make on the secure application
• Any messages, notes, or other details you choose to send us

Information collected automatically

When you visit the Site, we and our hosting and infrastructure providers may automatically collect technical data such as your IP address, browser and device type, pages viewed, links clicked, referral source, and visit timestamps through cookies and similar technologies.

We use the information we collect to:

• Evaluate your eligibility and respond to pre-qualification and loan requests
• Process, underwrite, service, and administer your line of credit or loan
• Verify your identity and the information you provide, and prevent fraud
• Communicate with you about your request, your account, and our services by phone, text, or email
• Coordinate with your insurance carrier and agent where you have authorized us to do so
• Operate, maintain, secure, and improve the Site
• Comply with applicable laws, regulations, and legal obligations

The Site uses cookies and similar technologies for essential functionality, security, and to understand how the Site is used. Essential cookies are necessary for the Site to work and cannot be turned off. You can control non-essential cookies through your browser settings, though disabling some cookies may affect how parts of the Site function.

We do not sell your personal information. We share information only as needed to provide our services and operate our business, including with:

• Service providers who host our Site, store data, and support our operations under confidentiality obligations
• Insurance carriers and agents, as necessary to verify policy details and complete a collateral assignment, where you have authorized us to contact them
• Professional advisors such as attorneys, accountants, and auditors
• Government authorities, regulators, or others when required to comply with the law, respond to legal process, or protect our rights, safety, or property
• A successor entity in connection with a merger, acquisition, financing, or sale of assets

Because we handle sensitive financial information, we treat that information as confidential and maintain administrative, technical, and physical safeguards designed to protect it. We limit access to your nonpublic personal information to those who need it to provide services to you, and we do not disclose it except as described in this Policy or as permitted or required by law.

Depending on where you live, you may have rights over your personal information — including the right to request access to it, to request correction or deletion, and to opt out of certain uses. California residents have additional rights under the CCPA/CPRA, including the right to know, access, delete, and correct personal information and to opt out of the "sharing" of personal information.

To exercise any of these rights, contact us at info@kensingtonfa.com or (877) 298-7331. We will respond as required by applicable law and may need to verify your identity before acting on your request.

We use reasonable safeguards, including encryption in transit, to protect the information you submit through the Site. However, no website or method of transmission over the internet is completely secure, and we cannot guarantee absolute security. You share information with us at your own discretion.

We retain your information for as long as needed to respond to your inquiry, provide and service your loan, maintain business and financial records, and meet our legal, regulatory, and reporting obligations. When information is no longer needed, we take reasonable steps to delete or de-identify it.

The Site is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can remove it.

The Site may link to third-party websites or tools, such as those of insurance carriers or payment providers. This Policy does not apply to those third parties, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of this page. Your continued use of the Site after changes are posted means you accept the updated Policy.

If you have questions about this Privacy Policy or how we handle your information, please contact us:

• Kensington Financial Associates
• 2980 NE 207th Street, Suite 807, Aventura, FL 33180
• Email: info@kensingtonfa.com
• Phone: (877) 298-7331