Privacy Policy

1. Introduction

Everglades Financial Company LLC (“Everglades,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, use our payment and premium finance platform, or interact with us in any capacity.

2. Information We Collect

A. Personal Information

We may collect:

• Name, email address, phone number
• Business name and contact details
• Payment-related information (processed via third-party providers)
• Insurance-related information submitted for premium financing or payments
• Account login credentials

B. Financial Information

We may collect or facilitate the collection of:

• Bank account information (ACH)
• Credit/debit card information
• Payment transaction details
• Financing application data

Note: Sensitive payment data is processed by PCI-compliant third-party processors and is not stored directly by Everglades unless necessary for compliance.

C. Automatically Collected Information

• IP address
• Browser type and device information
• Pages visited and time spent
• Referral URLs and UTM parameters

D. Business & Transaction Data

• Insurance policy details
• Premium amounts and financing terms
• Broker/agent commission structures
• Payment allocation instructions

3. How We Use Information

We use your information to:

• Facilitate payments and premium finance transactions
• Operate and improve our platform
• Authenticate users and prevent fraud
• Distribute funds (including commissions and remittances)
• Communicate regarding transactions, accounts, and services
• Comply with legal and regulatory obligations
• Provide customer support

4. Sharing of Information

We may share information with:

A. Service Providers

• Payment processors
• Banking partners
• Cloud infrastructure providers
• CRM and support platforms

B. Insurance & Financial Counterparties

• Insurance carriers
• Brokers and agents
• Premium finance partners

C. Legal & Regulatory Authorities

• When required by law
• To comply with licensing, AML, KYC, or regulatory obligations

D. Business Transfers

In connection with mergers, acquisitions, or asset sales

5. Data Security

We implement administrative, technical, and physical safeguards including:

• Encryption in transit (SSL/TLS)
• Access controls and authentication protocols
• Secure infrastructure and monitoring

However, no system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain information:

• As long as necessary to provide services
• To comply with legal and regulatory obligations
• For dispute resolution and enforcement

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Improve user experience
• Analyze site performance
• Support marketing and attribution (e.g., UTM tracking)

Users may control cookies through browser settings.

8. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

• Access your personal data
• Correct inaccuracies
• Request deletion (subject to legal obligations)
• Opt out of marketing communications

Requests can be submitted to: optout@evergladesfinancial.com

9. Third-Party Links

Our website may contain links to third-party services.

We are not responsible for their privacy practices.

10. Children’s Privacy

Our services are not directed to individuals under 18.

We do not knowingly collect data from minors.

11. Changes to This Policy

We may update this Privacy Policy periodically.

Updates will be posted with a revised “Last Updated” date.

12. Contact Information

Everglades Financial Company LLC

Email: info@evergladesfinancial.com