Website Privacy Notice & Communications Policy

Effective Date: June 15, 2026

At Timo Hawaii Mesquite Agency LLC, d/b/a Real Financial – A Nicer Way by Timo ("we," "our," or "us"), we respect your privacy and are committed to protecting personal information collected through our website (anicerway.net), online lead capture forms, scheduling links, and digital advertisements (collectively, our "Services").

This Privacy Notice explains what information we collect, how we use and disclose it, and the choices you have regarding your personal data. By accessing our Services or submitting your details, you agree to the practices outlined in this policy.

We collect information directly from you, automatically through your use of our site, and from third-party partners.

A. Information You Provide to Us Directly

• Contact & Inquiry Data: When you request insurance quotes, complete an inquiry form, schedule a consultation (e.g., via Calendly), or interact with our advertisements, we may collect your full name, email address, telephone number, mailing address, state of residence, and age or date of birth.
• Consultative & Insurance Details: To provide accurate illustrations and options for life insurance, retirement solutions, or legacy planning, you may choose to share high-level financial goals, general health qualifications, or beneficiary details.
• Customer Support & Correspondence: Any communications, questions, or feedback you submit directly to our agency via email, text, or phone.

B. Information Collected Automatically

• Device & Technical Data: When you visit our website, our servers log information such as your Internet Protocol (IP) address, browser type and version, operating system, device identifiers, referring URLs, and interaction timestamps.
• Cookies & Tracking Pixels: We utilize session cookies, persistent cookies, and tracking pixels (such as the Meta Pixel and Google Tag) to evaluate site traffic, monitor page performance, and facilitate targeted online advertising.

We use the data we collect for legitimate business and client service purposes, including to:

• Provide insurance quotes, financial illustrations, and requested consultations.
• Facilitate client appointments and send calendar reminders.
• Deliver marketing communications, newsletters, and promotional updates in accordance with your preferences.
• Measure and analyze website traffic, conversion rates, and digital advertising effectiveness across platforms like Meta and Google.
• Prevent fraudulent activity, protect system integrity, and comply with state insurance licensing obligations.

We work with third-party advertising networks and technology partners to measure site interactions and present relevant advertisements to prospective clients:

• Meta Platforms, Inc. (Facebook & Instagram): We use Meta technologies (including the Meta Pixel) to track lead conversion events and present relevant ads across Meta services. You can review Meta’s data practices at facebook.com/privacy/policy.
• Google LLC (Google Ads & Analytics): We utilize Google analytics and advertising features to understand visitor behavior and optimize search/display campaigns. You can learn how Google processes data at policies.google.com/technologies/partner-sites.
• Managing Tracking Preferences: You can control cookie behavior through your browser settings or opt out of targeted digital advertising by visiting the Network Advertising Initiative Opt-Out or downloading the Google Analytics Opt-out Browser Add-on.

By submitting your telephone number or email address on our website forms, digital lead ads, or scheduling links, you provide express consent to communications from Real Financial – A Nicer Way by Timo:

• Scope of Consent: You authorize us to contact you via live telephone call, prerecorded voice message, SMS/text message, and email regarding insurance products, quote requests, and consultative appointments.
• No Condition of Purchase: Consenting to receive marketing, calls, or texts is never a condition of purchasing any insurance product or service from us.
• Carrier Rates & Frequency: Message and data rates may apply according to your wireless plan. Message frequency varies based on your direct inquiries and consultation scheduling.
• Opt-Out Mechanisms:
  • SMS/Text: You can cancel text communications at any time by replying STOP to any text received from us.
  • Email: You can opt out of marketing emails by clicking the "Unsubscribe" link located at the bottom of our emails.
  • Telephone: You may request placement on our internal Do-Not-Call list at any time during a live call or by emailing your request to our office.

We do not sell, rent, or trade your personal information to third-party data brokers or external marketing lists. We share data only under the following limited conditions:

• Insurance Carriers & Partners: When you choose to apply for life insurance or an annuity, application data is transmitted directly and securely to the designated issuing insurance carrier for underwriting and policy issuance.
• Service Providers: We share necessary data with trusted vendors who assist our daily operations under confidentiality agreements (e.g., website hosting, CRM platforms, email dispatch, calendar booking).
• Legal Obligations & Protection: We may disclose personal data if required to do so by subpoena, court order, regulatory mandate, or to protect the legal rights, safety, and property of our agency, our clients, or the public.
• Corporate Transactions: If Timo Hawaii Mesquite Agency LLC enters into a merger, asset sale, acquisition, or restructuring, client records may be transferred as a business asset subject to this Privacy Notice.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. While we employ industry-standard practices, no internet transmission or electronic storage method can be guaranteed 100% secure.

Our website and services are directed strictly to adults interested in personal, family, or business financial solutions. We do not knowingly solicit or collect personal information from children under the age of 13. If we discover that personal data from a child under 13 has been collected without verifiable parental consent, we will promptly delete that data.

Our website may contain links to external sites (such as carrier portals, regulatory databases, or social media platforms). We are not responsible for the privacy practices, content, or terms of third-party websites. We encourage you to review the privacy notices of any outside sites you visit.

We may update this Privacy Notice periodically to reflect changes in our operational practices, advertising policies, or legal requirements. Any modifications will become effective immediately upon posting to this page, and the "Effective Date" at the top will be updated accordingly.

For questions regarding this Privacy Policy, your personal information, or our communication practices, please reach out to our office:

• Entity: Timo Hawaii Mesquite Agency LLC
• Trade Name: Real Financial – A Nicer Way by Timo
• Principal Producer: Timothy R. Driedger
• Email: timo.driedger@realfinancial.com
• Phone: (702) 518-4211
• Location: Mesquite, Nevada