This Privacy Policy describes how Frenkel Financial ("Producer Stack," "we," "us," or "our") collects, uses, discloses, and safeguards information in connection with the Producer Stack web and mobile application (the "App"), a customer relationship management and quoting tool for licensed life insurance producers. By creating an account or using the App, you agree to the practices described in this Policy.
a. Account & Profile Information. When you register, we collect your name, email address, password (stored in hashed form by our authentication provider and never visible to us in plain text), phone number, National Producer Number (NPN), and the states in which you are licensed.
b. Client & Lead Information You Enter. The App allows you to store information about your own insurance prospects and clients ("Client Data"), which may include names, contact details, dates of birth, addresses, health information relevant to insurance underwriting, income and financial information, and policy details. You — not Producer Stack — are the data controller for Client Data. You are solely responsible for ensuring you have the legal right and any required consent to collect, store, and process this information, and for complying with applicable law, including state insurance privacy regulations and the Gramm-Leach-Bliley Act (GLBA), with respect to your clients' nonpublic personal information.
c. Calling & Communications Data. If you use the App's calling features, our telephony service providers process the phone numbers you dial, call duration, call status/outcome, and — if you grant microphone permission — audio needed to place and connect the call.
d. Device, Usage & Diagnostic Information. We may automatically collect information about the device and app version you use, your operating system, IP address, and general usage or diagnostic data to operate, secure, and improve the App.
e. Locally Stored Data. Some data (such as policy records, leads, quotes, and personal settings) is stored locally on your device. Clearing your browser/app storage may permanently delete this information unless it has also been saved to our servers.
We do not sell your personal information, and we do not use Client Data for advertising purposes.
We share information with service providers ("subprocessors") that help us operate the App, each of which may access information only as needed to provide their service to us:
We may also disclose information if required by law, to protect the rights, property, or safety of Producer Stack, our users, or others, or in connection with a merger, acquisition, financing, or sale of assets, with notice to affected users where required by law.
We use industry-standard administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, alteration, or disclosure, including encryption of data in transit (HTTPS/TLS) and database-level access controls. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
We retain account information for as long as your account remains active. Client Data is retained until you delete it or close your account, after which it will be deleted or de-identified within a commercially reasonable time, except where retention is required by law.
You can review, update, or correct most account information directly within the App's Settings. Depending on your location, you may also have the right to request access to, correction of, export of, or deletion of personal information we hold about you by contacting us using the information below.
California Residents. Under the California Consumer Privacy Act (CCPA/CPRA), California residents have the right to know what personal information is collected, to request deletion of that information, and to opt out of the sale or sharing of personal information. We do not sell or share personal information as those terms are defined under the CCPA.
EEA / UK Residents. If the General Data Protection Regulation (GDPR) or UK GDPR applies to you, you may have additional rights, including the right to access, rectify, erase, restrict, or port your data, and to object to certain processing. To exercise these rights, contact us using the information below.
The App is intended for use by licensed insurance professionals and is not directed to, and is not knowingly used by, individuals under the age of 18. We do not knowingly collect personal information from children.
The App is operated from the United States. If you access the App from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction.
We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Effective date" above. Your continued use of the App after changes become effective constitutes acceptance of the revised Policy.
Frenkel Financial
Email: jacef8778099@gmail.com