Privacy Policy

Effective Date: April 6, 2026 · Last Updated: April 6, 2026

LEGAL DOCUMENTATION

• INFORMATION WE COLLECT
• HOW WE USE IT
• SHARING
• SECURITY
• YOUR RIGHTS
• COOKIES
• CONTACT

our privacy matters to us. Your privacy matters to us. Your privacy matters to us. The Schultz Agency is an independent insurance and mortgage advisory 8rm licensed in Washington State. We collect and use personal information only as necessary to serve you, comply with applicable law, and operate our business. This Policy explains what we collect, why, and how we protect it. By engaging our services or visiting our website, you agree to the practices described herein.

SECTION 1

Information We Collect

Information You Provide Directly

When you contact us, request a quote, apply for insurance or a mortgage, or become a client, we may collect:

• Full name, date of birth, and government-issued ID information
• Contact information (address, phone number, email address)
• Social Security Number or Individual Taxpayer IdentiFcation Number (where required for mortgage or Fnancial applications)
• Financial information (income, assets, credit history, employment)
• Property information (ownership, location, value, improvements)
• Insurance history, including prior claims and coverage details
• Vehicle information (VIN, year, make, model, driving record)
• Health information (only when required for life, disability, or long-term care products)

Information Collected Automatically

When you visit theschultzagency.com, we may automatically collect:

• IP address and browser type
• Pages visited, time spent, and referring URLs
• Device type and operating system
• Cookies and similar tracking technologies (see Section 6)

Information from Third Parties

We may receive information about you from insurance carriers (Safeco, Progressive, Travelers, and others), credit bureaus, mortgage investors, MLS data providers, and other authorized sources in connection with servicing your account or processing an application.

SECTION 2

How We Use Your Information

We use personal information to:

• Provide insurance quotes, bind coverage, and service your policies
• Process mortgage applications and analyze reFnance or purchase scenarios
• Conduct retirement planning, asset protection analysis, and Fnancial advisory discussions
• Communicate with you about your account, renewals, and important updates
• Comply with federal and Washington State laws and regulations, including GLBA, applicable insurance statutes, and RESPA
• Prevent fraud, verify identity, and maintain security
• Improve our services and website experience
• Send you relevant service announcements (you may opt out of marketing communications at any time)

We do not sell your personal information to third parties for their own marketing purposes.

SECTION 3

Sharing of Information

We share your information only as necessary and only with:

• Insurance carriers and MGAs — to obtain quotes, bind coverage, and manage claims on your behalf
• Mortgage lenders and investors — including C2 Financial Corporation and its lending partners — to process loan applications
• Service providers — technology vendors, document management platforms (e.g., EZLynx, LendingPad), and communication tools operating under conFdentiality obligations
• Regulators and legal authorities — when required by law, subpoena, or regulatory examination
• Affiliated advisors — with your consent, for coordination of Fnancial planning services

All third parties with whom we share data are required to maintain the conFdentiality and security of your information and to use it only for the purpose for which it was disclosed.

SECTION 4

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These include:

• Encrypted transmission of sensitive data (TLS/SSL)
• Secure document storage and access controls
• Limited employee and contractor access on a need-to-know basis
• Regular review of security practices

No transmission over the internet is 100% secure. While we take your data security seriously, we cannot guarantee absolute security. If you suspect unauthorized access to your information, please contact us immediately.

SECTION 5

Your Rights & Choices

Depending on applicable law, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of personal information we are not legally required to retain
• Opt out of marketing communications at any time by replying "STOP" to texts or clicking "Unsubscribe" in emails
• Request a copy of the data we have shared with third parties in the past 12 months

Washington State Residents

Washington residents have additional rights under the Washington My Health MY Data Act (WMHMDA) with respect to health data, and may be entitled to protections under emerging Washington State consumer data privacy legislation. Contact us to exercise any applicable rights.

Gramm-Leach-Bliley Act (GLBA) Notice

As a Fnancial services Frm, we are subject to the GLBA. Our full GLBA privacy notice is available upon request and will be provided to you at account opening and annually thereaaer, as required.

SECTION 6

Cookies & Tracking

Our website may use cookies and similar technologies to improve functionality and analyze trabc. Types of cookies we may use:

• Strictly necessary cookies— required for the website to function
• Analytics cookies — to understand how visitors use our site (e.g., Google Analytics)
• Preference cookies — to remember your settings

You can control or disable cookies through your browser settings. Disabling certain cookies may acect website functionality. We do not use cookies to serve third-party advertising.

SECTION 7

Data Retention

We retain personal information for as long as necessary to fulFll the purposes for which it was collected, comply with legal and regulatory obligations (Washington State insurance records requirements, mortgage loan Fle retention under federal law), resolve disputes, and enforce our agreements. When information is no longer required, we securely dispose of it.

SECTION 8

Children's Privacy

Our services are directed to adults. We do not knowingly collect personal information from individuals under the age of 13. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

SECTION 9

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. For material changes, we will notify you by email or a prominent notice on our website. Your continued use of our services aaer the ecective date of any update constitutes your acceptance of the revised Policy.

Privacy Questions & Requests

To exercise your privacy rights, ask questions about this Policy, or report a concern, please contact:

Tony Schultz

The Schultz Agency

Washington State

📧 Tony@theschultzagency.com

📞 206.949.6002

🌐 theschultzagency.com

We will respond to veri/able requests within 30 days or as otherwise required by applicable law.