At Hansen Actuarial & Risk Consulting ("HARC," "we," "us," or "our"), we are committed to protecting your privacy. This Privacy Policy ("Policy") explains how we collect, use, disclose, and protect information when you visit our website at https://www.hansenactuarial.com/ (the "Site"). We comply with applicable U.S. privacy laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) for California residents.

By using our Site, you agree to the collection and use of information in accordance with this Policy.

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1. Introduction and Scope

This Policy applies to all personal information processed by HARC in connection with your use of our website.

 

We encourage you to read this Policy carefully to understand our practices regarding your data and how we treat it.

 

2. Information We Collect

We collect only the minimum information necessary to respond to your inquiries and operate our website.

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2.1 Information You Provide Directly

When you submit our contact form, we may collect the following:

• Identifiers: Your name and email address.

• Communications: The content of your message or inquiry.

 

We do not collect payment information, account credentials, or financial data through our website.

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2.2 Information Collected Automatically

When you visit our Site, certain information is collected automatically by our website platform (Wix) and standard web technologies, including:

• Device Information: IP address, browser type, browser version, and operating system.

• Usage Patterns: Pages visited, time spent on pages, referral source, and navigation paths.

• Location Data: General geographic location derived from your IP address.

• Cookies and Tracking Technologies: Information collected through cookies and similar technologies used by Wix to operate and improve the Site (see Section 2.3 below).

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2.3 Cookies and Tracking Technologies

Our Site, hosted on Wix, uses cookies and similar technologies to enable basic website functionality and analyze site usage. These may include:

• Cookies: Small text files stored on your device to remember preferences and analyze usage.

• Analytics Tools: Wix Analytics and similar tools that collect information about how visitors interact with our Site.

• Web Beacons / Pixels: Embedded scripts that track whether you have accessed certain content.

• Log Files: Automatically recorded information about your device and activity on each visit.

 

You may adjust your browser settings to limit or disable cookies, though certain features of the Site may not function properly without them.

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2.4 Sensitive Personal Information

We do not collect sensitive personal information (e.g., health data, racial or ethnic origin, political opinions, religious beliefs, genetic data, biometric data, or financial account numbers). If a specific service requires such data, we will inform you, explain the purpose, and obtain your explicit consent.

 

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Respond to Inquiries: To read and respond to messages submitted through our contact form.

• To Operate and Improve Our Site: To understand how visitors use our Site and improve its content and performance.

• For Security and Fraud Prevention: To detect and prevent unauthorized access, fraud, or abuse.

• To Comply with Legal Obligations: To meet applicable regulatory and legal requirements.

 

We do not use your information for targeted advertising, automated decision-making, or profiling.

 

4. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

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4.1 Service Providers

We may engage trusted third-party service providers (e.g., our website host Wix, email providers) to support the operation of our Site. These providers access your information only to perform services on our behalf and are obligated not to use it for any other purpose.

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4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal process, such as a subpoena or court order, or to:

• Protect and defend the rights or property of HARC.

• Prevent or investigate possible wrongdoing.

• Protect the safety of users or the public.

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4.3 Business Transfers

If HARC is involved in a merger, acquisition, or asset sale, your information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

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4.4 With Your Consent

We may share your information for any other purpose with your explicit consent.

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4.5 Aggregated or De-Identified Data

We may share aggregated or de-identified information that cannot reasonably be used to identify you.

 

5. Data Security and Retention

5.1 Data Security

We employ industry-standard technical and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These include:

• Encryption: SSL/TLS encryption for data in transit (HTTPS).

• Access Controls: Restricting access to personal data to authorized personnel only.

• Data Minimization: Collecting only the data necessary for stated purposes.

 

While we strive to protect your information, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

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5.2 Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Policy or as required by law. When information is no longer needed, we will securely delete or anonymize it.

 

6. Your Privacy Rights

6.1 California Residents — CCPA/CPRA Rights

If you are a California resident, you have the following rights under the CCPA and CPRA:

• Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources from which it was collected, the purposes for collection, and the categories of third parties with whom we share it.

• Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions.

• Right to Correct: You may request that we correct inaccurate personal information we hold about you.

• Right to Opt-Out of Sale or Sharing: We do not sell or share your personal information for cross-context behavioral advertising. No opt-out action is required.

• Right to Limit Use of Sensitive Personal Information: We do not collect sensitive personal information as defined by CPRA.

• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

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6.2 All U.S. Residents

Regardless of your state of residence, you may:

• Request access to the personal information we hold about you.

• Request correction of inaccurate information.

• Request deletion of your information, subject to applicable legal requirements.

• Opt out of any future marketing communications from us.

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6.3 How to Exercise Your Rights

To submit a privacy rights request, please contact us at: bill.hansen@hansenactuarial.com

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We will respond within the timeframes required by applicable law (e.g., 45 days under CCPA). We may need to verify your identity before fulfilling your request. Requests are free of charge unless manifestly unfounded or excessive.

 

7. Children's Privacy

Our Site is not directed to individuals under the age of 13, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.

 

8. Links to Other Websites

Our Site may contain links to third-party websites not operated by HARC. We strongly advise you to review the privacy policy of any site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites or services.

 

9. Changes to This Privacy Policy

We may update this Policy from time to time. We will notify you of any material changes by posting the revised Policy on this page and updating the "Last Updated" date above. We recommend reviewing this Policy periodically. Changes are effective when posted.

 

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

 

Hansen Actuarial & Risk Consulting (HARC)

bill.hansen@hansenactuarial.com