Privacy Policy

Amrita Financial Inc. ("Amrita Financial," "we," "our," or "us"), a life settlement brokerage firm headquartered in Orlando, Florida, is committed to protecting the privacy of our clients, prospective clients, and website visitors. This Privacy Policy explains what information we collect, how we use it, and your rights with respect to that information.

By using our website at amritafinancial.com (the "Site") or submitting any information to us, you agree to the practices described in this policy.

1. Information We Collect

We may collect the following categories of personal information:

• Contact information: Name, email address, phone number, and mailing address.
• Policy information: Life insurance policy details submitted for appraisal, including face amount, policy type, premium, insured age, state of residence, and health status.
• Professional information: Firm name, professional credentials, and advisor type (for financial advisor inquiries).
• Usage data: IP address, browser type, pages visited, and referral source, collected automatically when you visit the Site.
• Communications: Records of correspondence between you and Amrita Financial.

We do not collect Social Security numbers, full financial account numbers, or protected health information directly through this website. Medical records relevant to a formal valuation are collected only through separate, secured authorization forms.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to appraisal requests and provide preliminary valuations.
• To communicate with financial advisors regarding life settlement opportunities for their clients.
• To provide downloadable resources, educational materials, and practice support tools.
• To send relevant updates about life settlement regulations, market conditions, and Amrita Financial services (with your consent).
• To improve our website, resources, and services based on usage patterns.
• To comply with legal obligations and regulatory requirements applicable to licensed life settlement brokers.

We do not use your information for automated decision-making or profiling that produces legal or similarly significant effects.

3. Information Sharing

Amrita Financial does not sell, rent, or trade your personal information to third parties for marketing purposes. We may share information in the following limited circumstances:

• With life settlement providers only after receiving explicit written authorization from the policy owner and/or insured to pursue a formal settlement offer.
• With service providers who assist us in operating our website and business (e.g., form processors, email platforms), under contractual data protection obligations.
• As required by law in response to valid legal process, regulatory inquiries, or to protect the rights and safety of Amrita Financial or others.
• In connection with a business transfer such as a merger or acquisition, subject to standard confidentiality protections.

4. Data Security

We implement industry-standard technical and organizational measures to protect the information you share with us, including:

• Encrypted data transmission (SSL/TLS) for all web forms.
• Access controls limiting who within our firm can view submitted data.
• Secure handling of policy information in accordance with applicable life settlement licensing requirements.

No method of transmission or electronic storage is 100% secure. If you have reason to believe your information has been compromised, please contact us immediately at privacy@amritafinancial.com.

5. Your Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you.
• The right to correct inaccurate information.
• The right to request deletion of your information, subject to legal retention obligations.
• The right to opt out of marketing communications at any time by clicking "unsubscribe" in any email or contacting us directly.
• California residents may have additional rights under the California Consumer Privacy Act (CCPA). Florida residents may have rights under the Florida Digital Bill of Rights.

To exercise any of these rights, please contact us at the address below. We will respond within 30 days.

6. Cookies and Tracking

Our Site may use cookies and similar tracking technologies to enhance your browsing experience, analyze usage patterns, and understand how visitors engage with our content. Types of cookies we may use include:

• Essential cookies: Required for the Site to function properly.
• Analytics cookies: Help us understand how visitors use the Site (e.g., Google Analytics). These are anonymized and do not identify individual users.

You may disable cookies through your browser settings. Note that disabling cookies may affect certain Site functionality. We do not currently respond to browser "Do Not Track" signals.

7. Third-Party Links

Our Site may contain links to third-party websites, including regulatory bodies, industry associations, and partner resources. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

8. Children's Privacy

Our Site and services are intended exclusively for adult financial professionals and their adult clients. We do not knowingly collect personal information from individuals under the age of 18.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or have a privacy concern, please contact us: