Privacy Policy

1. Introduction

Heritage Assignment Funding ("Heritage," "we," "us," or "our") is committed to protecting the privacy of funeral home directors, owners, and other individuals who interact with our website at heritageassignment.com (the "Site") and our insurance assignment funding services. This Privacy Policy explains what information we collect, how we use it, and your rights with respect to that information.

By using our Site or submitting an application, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect information you provide directly to us, including:

• Business Information: Funeral home name, state of operation, years in business, monthly assignment volume, and primary contact name.
• Contact Information: Email address, phone number, and mailing address.
• Financial Information: Information about insurance assignments you wish to fund, including policy details, assignment amounts, and carrier information.
• Communications: Records of correspondence you send to us via our contact form or email.

We also collect certain information automatically when you visit our Site, including IP address, browser type, pages visited, and referring URLs through standard web analytics tools.

3. How We Use Your Information

We use the information we collect to:

• Evaluate and process insurance assignment funding applications.
• Communicate with you about your application, account, or inquiries.
• Verify insurance policy details with carriers on your behalf.
• Comply with applicable legal and regulatory obligations.
• Improve our website and services.
• Send you relevant information about our services (you may opt out at any time).

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Information Sharing

We may share your information with:

• Insurance Carriers: To verify policy validity and process assignments on your behalf.
• Service Providers: Third-party vendors who assist us in operating our website and business (e.g., email delivery, form processing), subject to confidentiality obligations.
• Legal Authorities: When required by law, court order, or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to standard confidentiality protections.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application records are typically retained for a minimum of seven (7) years in accordance with standard commercial finance recordkeeping practices.

7. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to legal retention requirements.
• Opt out of marketing communications at any time by contacting us at [email protected].

8. Cookies and Analytics

Our Site uses cookies and similar tracking technologies to analyze traffic and improve user experience. You may disable cookies through your browser settings, though this may affect certain Site functionality.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page with an updated "Last updated" date. Your continued use of the Site following any changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at: