Privacy Policy

Effective Date: May 20, 2026

This website is owned and operated by KF Solutions, a sole proprietorship ("the Company"). This Privacy Policy ("Policy") explains our privacy practices regarding the collection, use, disclosure, and protection of your personal information with respect to this website and our specialized insurance services for veterans.

By using this website, submitting applications, or requesting insurance quotes, you consent to the privacy practices described in this Policy. If you do not agree to be bound by this Privacy Policy, please do not use this website or utilize our services. We reserve the right to modify this Policy at any time without prior notice.

1. Information We Collect

We collect both personal and non-personal information to effectively provide tailored veteran insurance solutions.

Nonpublic Personal Information (NPI)

In order to process quotes, underwrite policies, and service your insurance accounts, we collect information that specifically identifies you. This may include:

• Identifiers: Full name, mailing address, email address, and telephone number.
• Demographic & Underwriting Data: Date of birth, gender, and military/veteran status (e.g., discharge details or branch of service required for specific veteran benefit eligibility).
• Financial & Risk Information: Financial details necessary for policy qualification or payment setup, and relevant background histories required by underwriting insurance carriers.

Non-Personal Information

We automatically collect technical data that does not identify you as an individual, including your web browser software, IP address, the domain from which you linked to our site, pages visited, and search terms used. We use this data to improve website functionality and monitor performance.

2. How We Use Your Information

We utilize your collected personal data strictly within the scope of our insurance operations to:

• Evaluate your eligibility for specialized veteran insurance products.
• Communicate with insurance carriers and underwriters to obtain quotes and bind policies on your behalf.
• Follow up on your customer service inquiries via live chat, email, phone, or text.
• Maintain accurate records of your policies, claims, and correspondence.
• Comply with federal and state insurance laws, regulations, and court orders.

3. Information Sharing and Disclosure

We do not sell, trade, or transfer your Personally Identifiable Information (PII) or Nonpublic Personal Information (NPI) to outside parties for marketing purposes.

Your information is shared only under the following strictly managed conditions:

• Insurance Partners: We share data with licensed insurance carriers, underwriters, and support subcontractors solely to process, bind, and service your insurance policies.
• Legal Compliance: We may release information when required by law, subpoena, or administrative regulation to cooperate with law enforcement or state insurance commissioners.

4. Tracking Technologies & Cookies

Like most insurance and financial service websites, we utilize cookies, web beacons, network traffic monitoring, and active scripting to measure website performance, protect online interactions, and optimize visitor experiences. You can choose to disable cookies through your browser settings, though doing so may limit your access to certain secure quoting tools or features on our site.

5. Tennessee State Regulatory Compliance

As an insurance provider operating under Tennessee jurisdiction, KF Solutions adheres to specific consumer protection standards:

### Gramm-Leach-Bliley Act (GLBA) & State Safeguards

Pursuant to Title V of the federal Gramm-Leach-Bliley Act and the regulations implemented by the Tennessee Department of Commerce and Insurance, KF Solutions maintains stringent administrative, technical, and physical safeguards designed to ensure the security and confidentiality of consumer nonpublic personal financial and health information.

• Exemption Framework: While the *Tennessee Information Protection Act (TIPA)* sets general consumer data thresholds, insurance entities and data regulated under GLBA/state insurance law are specifically exempted from TIPA’s standard framework. Instead, your data is protected under the specialized Tennessee Insurance Data Security Law requirements.
• Data Protection Standards: Access to your information is strictly limited to individuals or entities who require that data to provide insurance products or services to you.

6. SMS Communication & A2P Compliance Policy

By explicitly providing your mobile phone number to KF Solutions through our website, quote request forms, contact forms, or direct registration channels, you consent to receive transactional and operational SMS/text messages from us.

SMS Terms and Disclosures

• Message Scope: Text messaging will be utilized for insurance quote updates, application milestones, appointment reminders, and policy servicing notifications. Marketing texts will only be sent if you have separately and explicitly opted in.
• Consent Conditions: Providing consent to receive text messages is entirely voluntary and is not a condition of purchasing any insurance product or service.
• Costs & Frequency: Message frequency varies depending on your interactions with us. Standard message and data rates may apply based on your mobile carrier plan.
• Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.

Opt-Out and Help Instructions

• To Opt-Out: You may unsubscribe or cancel SMS communications at any time by replying STOP to any text message received from us. Upon receiving a STOP request, we will send a single one-time confirmation text, and text communications will cease.
• To Get Help: You can reply HELP to any text message for assistance information, or contact us directly through our primary website contact channels.

Strict Mobile Data Non-Sharing Clause

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above collection categories exclude text messaging originator opt-in data and consent; this specific information, along with mobile numbers, will not be shared, rented, sold, or leased to any third parties or affiliates under any circumstances.

7. Your Privacy Rights and Choices

You retain the right to review, update, or request corrections to the personal and financial information we maintain about you. To update your records, change your communication preferences, or withdraw consent for specific disclosures, please contact KF Solutions directly using the contact details displayed on our website. All requests will be processed safely, within a reasonable timeframe, and in accordance with applicable Tennessee insurance guidelines.