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Privacy Policy

Insurance Review Services · San Ramon, California · Effective 2026

Insurance Review Services recognizes that you care how information about you is collected and used. Questions may be directed to (925) 708-6501 or [email protected].

01 What Information We Collect

Information you provide

Personal information such as your name, address, email, and phone number — submitted voluntarily when you complete a contact or consultation request form.

Information collected automatically

Technical data, including IP address, browser type, operating system, and site usage patterns — collected via cookies and standard web analytics. This data does not include your name, address, phone, or email.

02 How We Use Your Information

Personal information you submit may be used to: respond to your questions; provide information about LTC and life insurance products; send newsletters and communications you have requested; conduct internal analysis; and ensure compliance with applicable laws. This website is a solicitation for insurance.

03 How We Share Your Information

We may share your personal information with third-party service providers who assist with website hosting, data storage, and analytics; insurance and financial services providers to respond to your requests; and successor entities in connection with any sale or transfer of our business.

We may also disclose personal information when required by law or to protect the rights, property, or safety of Insurance Review Services, our clients, or others. We will not share your personal information to the extent prohibited by applicable California law.

04 Children’s Privacy

This website is not intended for use by individuals under the age of 18. Please do not use this website or submit personal information if you are under 18.

05 Data Security

We use reasonable security measures to protect personal information collected through this website. However, no data transmission can be guaranteed to be completely secure. All transmissions are at your own risk.

06 Correcting Your Information

You may request correction of personal information by contacting us at (925) 708-6501 or [email protected].

07 Third-Party Websites

This Privacy Policy does not apply to information collected through third-party websites linked from this site. We are not responsible for the privacy practices of any third-party website.

08 California Privacy Rights (CCPA)

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to request disclosure of information collected, the right to request deletion of personal information, and the right to opt out of the sale of personal information. To exercise these rights, please get in touch with us directly.

09 Changes to This Policy

We may update this Privacy Policy from time to time without prior notice. Revised versions will be posted on this website with an updated effective date.

Withbert W. Payne, CPA, CGMA, FCA (England & Wales)

Insurance Review Services · San Ramon, California

(925) 708-6501 · [email protected] · ltccpas.com

© 2026 Insurance Review Services. All rights reserved. This is a solicitation for insurance. Withbert W. Payne, CPA, is a licensed insurance professional in the State of California. CPA · CGMA · FCA (England & Wales)