Legal
Privacy policy
Last updated . Draft: legal review pending.
This policy explains what Opulence LD Inc. (“Opulence LD”, “we”) collects through opulenceldinc.com, how we use it, and the choices you have.
The free tools
The calculators on this site run in your browser. The figures you type are not sent to us or stored by us. If you choose “Talk it through”, a short summary of your result is kept in your browser for that visit, and it is only sent to us if you tick the box to attach it to a booking or a message.
What we collect
- What you send us: your name, email, phone number, contact preferences, the topic you choose, and anything you write in a message. When you book a session, also the time you choose, the state you live in, whether you would like to meet by video or in person (and, in person, where you would like to meet), and your time zone. If Collins’s Google Calendar is connected, your name and email are added to the calendar event and Google sends you the invitation, with the video link. Video sessions take place on Zoom or Google Meet; when you join one, that service handles the call under its own privacy policy.
- Consent records: which consent boxes you ticked, the exact wording and its version, the time, the page, and your IP address and browser type, so we can show what you agreed to.
- Security data: our hosting and bot-protection providers process technical data such as IP addresses to keep the site available and to block automated abuse.
How we use it
- To answer your request and arrange your strategy session.
- To provide the services you ask for, including helping you apply for insurance.
- To send the monthly Opulence letter, only if you asked for it.
- To call or text you by automated means, only if you agreed to it.
- To keep records the law requires, and to protect the site from misuse.
Who we share it with
We do not sell your personal information. We share it only with service providers that help us run the site and answer requests (website hosting, storage and bot protection by Cloudflare, email delivery by Resend, Google Calendar, where a session you book is added to Collins Chia’s calendar, and Zoom or Google Meet for video sessions), with insurance companies when you choose to apply for coverage, and when the law requires it.
Clients
If you become a client, the information you share in the course of applying for or holding insurance is also covered by our privacy notice for customers, which we provide when you apply.
Your choices
- Unsubscribe from any email with the link it contains.
- Reply STOP to any text message to stop texts.
- Ask us to see, correct or delete the information you sent, by emailing collinschia@opulenceld.com.
Keeping it safe
Information you send travels over an encrypted connection. We keep it only as long as we need it to serve you and to meet legal record-keeping duties.
Children
This site is meant for adults. We do not knowingly collect information from anyone under 18.
Changes and contact
We will post any change to this policy on this page with a new date. Questions: collinschia@opulenceld.com or (716) 359-2390.