Operating as a financial services team under the PHP Agency umbrella requires specific legal protections. Since you are located in California, you have additional strict requirements regarding license number placement.
Below are professionally drafted Privacy Policy and Terms of Use templates tailored for Castle Capital.
1. Privacy Policy
Last Updated: March 1, 2026
At Castle Capital, we respect your privacy and are committed to protecting your nonpublic personal information (NPI). This policy explains how we handle the data we collect as independent agents affiliated with PHP Agency, LLC.
Information We Collect
To provide accurate insurance quotes and financial consulting, we may collect:
- Contact Information: Name, address, phone number, and email.
- Financial Information: Assets, income, retirement goals, and existing policy details.
- Demographic Data: Date of birth, marital status, and gender.
How We Use Your Information
We use your data strictly for:
- Fulfilling your requests for life insurance or annuity quotes.
- Evaluating your eligibility for financial products through our 40+ carrier partners.
- Communicating updates regarding your retirement plans or policy status.
Sharing of Information
We do not sell your personal information to third parties. We share your data only with PHP Agency, LLC and authorized insurance carriers to facilitate the application and underwriting process. We may also disclose information as required by law (e.g., to prevent fraud or in response to a subpoena).
Your Rights (California CCPA/CPRA)
As a California resident, you have the right to request access to the data we have collected, request its deletion, or opt out of future marketing communications. To exercise these rights, please contact us at [Your Email Address].
2. Terms of Use
Last Updated: March 1, 2026
By using this website, you agree to the following terms and conditions.
Not Financial Advice
The content on this website is for informational purposes only and does not constitute legal, tax, or investment advice. You should consult with a qualified professional before making any financial decisions.
Independent Contractor Status
Agents at Castle Capital are independent contractors of PHP Agency, LLC. Castle Capital is a marketing name and is not a subsidiary or employee-owned office of PHP Agency, LLC. All products are offered through PHP Agency and its affiliated carriers.
Guarantees
Any references to “guaranteed income” or “protection” refer to the guarantees provided by the issuing insurance company. Guarantees are backed solely by the financial strength and claims-paying ability of the insurance carrier, not by Castle Capital or PHP Agency.
Third-Party Links
Our site may contain links to carrier portals or the PHP Agency “Bamboo” platform. We are not responsible for the content or privacy practices of these external sites.
Limitation of Liability
Castle Capital shall not be liable for any direct or indirect damages resulting from your use of this website or the information contained herein.
3. California Compliance Checklist
To ensure “legal manners” in California, make sure your website also includes:
- License Numbers: Under Cal. Ins. Code § 1725.5, your individual license number (and the agency license number if applicable) must be displayed on every page.
- Placement: Adjacent to your name or in the footer.
- Font Size: Must be at least as large as your phone number or email address.
- Disclosure of Interest: If you use testimonials, you must disclose if the person has a financial interest in the agency (Cal. Code Regs. Tit. 10, § 2547.5).
- Communication Consent: Ensure your contact forms include a checkbox for “Consent to be contacted,” as silent opt-ins are legally risky.
Legal Disclosure:
Agents at Castle Capital are independent contractors and offer insurance and financial services through their affiliation with PHP Agency, LLC. Castle Capital is a marketing name used by independent agents of PHP Agency. Insurance products, including life insurance and annuities, are offered through PHP Agency, LLC and its top-rated affiliated carriers. Castle Capital is not a subsidiary, partner, or employee-owned office of PHP Agency, LLC.