Privacy Policy

Effective Date: January 10, 2026
Last Updated: January 10, 2026

1. Introduction

This Privacy Policy governs the collection, use, disclosure, and protection of personal information by Faithland Investments & Financial Services, Inc. (doing business as “Steve Soyebo Insurance Agency”), a Texas corporation.

Business Information:

• Legal Entity: Faithland Investments & Financial Services, Inc.
• DBA: Steve Soyebo Insurance Agency
• Physical Address: 9730 Southwest Fwy, Suite 222, Houston, TX 77074
• Email: office@stevesoyebo.com
• Phone: (713) 773-9300
• Business Hours: Monday-Friday, 10:00 AM to 5:00 PM CST

By accessing our website, contacting us via phone, email, text message, or any other communication channel, visiting our office, requesting a quote, purchasing insurance products, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to this Privacy Policy and consent to our collection, use, and disclosure practices as described herein.

2. Scope and Applicability

This Privacy Policy applies to:

• All individuals who interact with Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, including:
  • Prospective customers and leads
  • Current policyholders and clients
  • Former customers and clients
  • Website visitors and online users
  • Telephone, SMS/text message, and email contacts
  • Walk-in visitors to our physical office
  • Business partners, vendors, and B2B contacts
  • Third-party referral sources
  • Job applicants and employees
• All channels and touchpoints, including but not limited to:
  • Our website(s) and any affiliated domains or subdomains
  • Mobile applications (if applicable)
  • Social media platforms and pages
  • Email communications
  • SMS/text messaging services (including A2P messaging)
  • Telephone calls (including recorded lines)
  • In-person meetings and consultations
  • Paper forms and applications
  • Third-party platforms and integrations
  • Marketing and advertising channels

3. Information We Collect

We collect information necessary to provide insurance services, comply with legal and regulatory requirements, and improve our business operations. The categories of information we collect include:

3.1 Personal Identification Information

• Full legal name (first, middle, last, suffix)
• Date of birth
• Social Security Number (SSN) or Tax Identification Number (TIN)
• Driver’s license number and state of issuance
• Government-issued identification documents
• Passport information (when applicable)
• Immigration status and documentation (when applicable)
• Photographs and biometric data (when applicable)

3.2 Contact Information

• Mailing address (current and previous)
• Physical/residential address
• Email address(es) (personal and business)
• Telephone number(s) (mobile, home, work)
• Fax number
• Preferred method and time of contact
• Emergency contact information

3.3 Financial Information

• Bank account information (for premium payments and ACH transactions)
• Credit/debit card information
• Payment history and transaction records
• Credit score and credit report information
• Income and employment information
• Tax return information
• Assets and liabilities
• Financial statements
• Beneficiary and estate planning information

3.4 Insurance-Related Information

• Current insurance coverage details
• Policy numbers and carrier information
• Claims history (auto, home, life, health, etc.)
• Loss runs and underwriting reports
• Medical history and health information (for life and health insurance)
• Prescription drug history
• Motor Vehicle Reports (MVR)
• CLUE reports (Comprehensive Loss Underwriting Exchange)
• Property inspection reports and appraisals
• Risk assessment information
• Underwriting decisions and declinations

3.5 Demographic Information

• Age and gender
• Marital status
• Number of dependents
• Household composition
• Occupation and employer information
• Education level
• Military service status
• Citizenship and residency status

3.6 Property and Asset Information

• Real property ownership (address, value, mortgage information)
• Vehicle information (make, model, year, VIN, usage)
• Personal property inventory
• Business assets and commercial property
• Watercraft, aircraft, and recreational vehicles
• Jewelry, art, and valuable collections

3.7 Technical and Usage Information

• IP address and geolocation data
• Device information (type, operating system, browser)
• Cookies and tracking technologies
• Website navigation and clickstream data
• Session duration and interaction patterns
• Referral sources and marketing attribution
• Search queries and form submissions
• Email open rates and link clicks

3.8 Communications and Correspondence

• Email messages and attachments
• Text/SMS messages (including A2P messaging)
• Recorded telephone conversations
• Chat transcripts and messaging platform communications
• Social media interactions and direct messages
• Letters and physical mail
• Notes from in-person meetings and consultations
• Customer service inquiries and complaints

3.9 Business and Commercial Information (B2B)

• Business name and legal entity information
• Tax identification numbers (EIN)
• Business address and contact information
• Industry classification and business type
• Number of employees and payroll information
• Annual revenue and financial statements
• Business insurance needs and risk exposure
• Commercial property details
• Fleet information and driver lists
• Workers’ compensation claims history
• Professional licenses and certifications

3.10 Employment and HR Information (Applicants and Employees)

• Resume/CV and employment history
• References and background check information
• Work authorization and eligibility documentation
• Compensation and benefits information
• Performance evaluations
• Disciplinary records
• Training and certification records

3.11 Third-Party Information

• Information from insurance carriers and underwriters
• Data from credit reporting agencies
• Public records and government databases
• Information from data brokers and aggregators
• Social media profile information
• Referral source information
• Co-applicant and household member information

4. How We Collect Information

We collect information through various methods:

4.1 Direct Collection

• Information you provide on quote request forms
• Applications for insurance coverage
• Policy changes and endorsement requests
• Claims submissions
• Phone conversations (including recorded lines)
• Email and text message communications
• In-person meetings and consultations
• Account registration and online portals
• Surveys, feedback forms, and reviews
• Event registrations and newsletter subscriptions

4.2 Automatic Collection

• Cookies and similar tracking technologies
• Web beacons and pixel tags
• Server logs and analytics platforms
• Mobile device identifiers
• Geolocation tracking (with consent)

4.3 Third-Party Sources

• Insurance carriers and underwriting platforms
• Credit reporting agencies (Equifax, Experian, TransUnion)
• LexisNexis and other data aggregators
• Motor Vehicle Departments (DMV/MVR reports)
• Medical Information Bureau (MIB)
• CLUE and A-PLUS databases
• Public records and government databases
• Social media platforms (with your consent)
• Marketing and lead generation partners
• Business partners and referral sources
• Previous insurance agents and brokers
• Employers (for group insurance)

5. How We Use Your Information

We use your information for the following purposes:

5.1 Insurance Services and Transactions

• Providing insurance quotes and proposals
• Underwriting and risk assessment
• Issuing, renewing, and servicing insurance policies
• Processing premium payments and refunds
• Handling policy changes, endorsements, and cancellations
• Processing and adjudicating insurance claims
• Coordinating with insurance carriers and third-party administrators
• Providing customer service and support
• Managing your account and online portal access

5.2 Legal and Regulatory Compliance

• Complying with federal and state insurance regulations
• Meeting Texas Department of Insurance requirements
• Adhering to TCPA (Telephone Consumer Protection Act) regulations
• Complying with A2P 10DLC registration and messaging standards
• Meeting CAN-SPAM Act requirements
• Fulfilling anti-money laundering (AML) and Know Your Customer (KYC) obligations
• Responding to subpoenas, court orders, and legal processes
• Cooperating with law enforcement and regulatory investigations
• Reporting to state insurance guarantee funds
• Maintaining required records retention periods
• Complying with HIPAA (for health insurance, when applicable)
• Adhering to Gramm-Leach-Bliley Act (GLBA) requirements
• Meeting IRS tax reporting obligations

5.3 Business Operations and Improvement

• Analyzing business performance and trends
• Conducting market research and customer surveys
• Improving our website, systems, and technology
• Training and quality assurance for staff
• Risk management and fraud prevention
• Detecting and preventing identity theft and unauthorized access
• Internal auditing and compliance monitoring
• Managing vendor relationships and service providers
• Business continuity and disaster recovery planning

5.4 Marketing and Communications

• Sending policy notifications and renewal reminders
• Providing updates on coverage options and policy changes
• Offering additional insurance products and services
• Sending newsletters, educational content, and safety tips
• Conducting email marketing campaigns
• Sending SMS/text message marketing (with express written consent)
• Making telemarketing calls (in compliance with Do Not Call regulations)
• Retargeting and online advertising
• Social media engagement and content promotion
• Event invitations and community outreach
• Referral programs and customer loyalty initiatives

Note: You may opt-out of marketing communications at any time (see Section 11).

5.5 Analytics and Personalization

• Understanding customer preferences and behavior
• Personalizing website content and recommendations
• Optimizing user experience and navigation
• A/B testing and conversion rate optimization
• Attribution modeling and campaign performance analysis

5.6 Business Transactions

• Evaluating and executing mergers, acquisitions, or sales of assets
• Due diligence for business partnerships
• Transferring policies in the event of business restructuring

6. How We Share Your Information

We share your information with third parties only as necessary and permitted by law:

6.1 Insurance Carriers and Underwriters

We share your information with insurance companies to:

• Obtain quotes and bind coverage
• Underwrite and price insurance policies
• Process claims and investigate losses
• Conduct post-claims underwriting and audits
• Determine eligibility for coverage
• Calculate premiums and policy terms

Carriers we work with may include, but are not limited to:

• Major national and regional insurance carriers
• Surplus lines and specialty insurers
• Lloyd’s of London and international markets
• Reinsurance companies
• Managing general agents (MGAs)

6.2 Service Providers and Vendors

We engage third-party service providers to support our business operations, including:

• Payment processors and merchant services (for credit card and ACH transactions)
• CRM and agency management systems
• Website hosting and cloud storage providers
• IT support, security, and data backup services
• Call center and customer service platforms
• Document management and e-signature platforms
• Analytics and data enrichment services
• Marketing and advertising agencies
• Legal, accounting, and consulting firms
• Printing and mailing services
• Background check and verification services

IMPORTANT: These service providers may support email marketing and customer service communications, but do NOT include SMS marketing platforms for the purpose of sharing your mobile opt-in data or consent information.

All service providers are contractually required to:

• Maintain the confidentiality and security of your information
• Use your information only for the specified purposes
• Comply with applicable privacy and data protection laws
• Implement appropriate technical and organizational safeguards

6.3 Regulatory and Government Entities

We may disclose your information to:

• State insurance departments and regulators
• Texas Department of Insurance
• National Association of Insurance Commissioners (NAIC)
• Federal Trade Commission (FTC)
• Consumer Financial Protection Bureau (CFPB)
• Internal Revenue Service (IRS)
• Law enforcement agencies
• Courts and legal authorities (in response to subpoenas or court orders)
• State guaranty funds and insolvency associations
• Fraud bureaus and investigation units

6.4 Credit Reporting and Data Agencies

• Credit bureaus (for underwriting and premium financing)
• LexisNexis Risk Solutions
• Verisk Analytics and ISO
• CLUE and A-PLUS databases
• Medical Information Bureau (MIB)
• Motor Vehicle Departments (for MVR reports)

6.5 Business Partners

• Insurance aggregators and comparison platforms
• Referral partners and co-marketing relationships
• Professional associations and industry groups
• Affinity groups and membership organizations

6.6 Corporate Transactions

In the event of a merger, acquisition, reorganization, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity or successor organization. You will be notified of any such change via email or prominent notice on our website.

6.7 With Your Consent

We may share your information with other third parties when you provide explicit consent or direction to do so.

6.8 Legal Obligations and Protection of Rights

We may disclose your information when we believe in good faith that disclosure is necessary to:

• Comply with legal obligations and regulatory requirements
• Enforce our Terms of Service, contracts, or policies
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our customers or the public
• Detect, prevent, or investigate fraud, security breaches, or illegal activities
• Respond to claims of violation of third-party rights
• Defend against legal liability or litigation

7. Mobile Information Non-Sharing Commitment

CRITICAL NOTICE REGARDING MOBILE/SMS DATA:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories of information use exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

7.1 What This Means

When you provide your mobile phone number and opt-in to receive text messages from us:

• Your mobile number and SMS opt-in consent will NEVER be shared, sold, rented, or transferred to third parties for their marketing purposes
• Your text message opt-in data will NOT be included in any data sharing arrangements
• We will NOT provide your mobile information to affiliates for promotional purposes
• Your SMS consent information is kept strictly confidential

7.2 Limited Exception for Subcontractors

The ONLY exception to this non-sharing commitment is:

• Subcontractors who provide direct customer service support related to your text message communications with us
• These subcontractors are bound by strict confidentiality agreements
• They may only access your mobile information to facilitate message delivery and customer service
• They are prohibited from using your information for any other purpose
• They cannot share your information with any other parties

Examples of permitted subcontractors include:

• SMS gateway providers who transmit messages on our behalf
• Customer service platforms that help us respond to your inquiries
• Technical support services that maintain our messaging infrastructure

7.3 Our Commitment

We treat your mobile phone number and SMS consent as highly sensitive personal information. This data:

• Remains in our secure systems
• Is accessible only to authorized personnel who need it to serve you
• Is protected with the highest level of security safeguards
• Will never be monetized, sold, or used for purposes beyond our direct communications with you

8. A2P 10DLC Messaging Compliance

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency uses Application-to-Person (A2P) text messaging services for business communications. We are registered with The Campaign Registry (TCR) and comply with all A2P 10DLC standards and carrier requirements.

8.1 Express Written Consent

Before sending you any marketing or promotional text messages, we will obtain your express written consent. This consent may be collected through:

• Online forms with clear opt-in language
• Paper forms with signature authorization
• SMS keyword opt-in (e.g., texting “START” or “YES” to our number)
• Verbal consent (which we will document in our records)

Your consent includes acknowledgment that:

• You are consenting to receive text messages from Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency
• Messages may include insurance quotes, policy information, renewal reminders, payment notifications, claims updates, and marketing offers
• Message and data rates may apply based on your mobile carrier plan
• Message frequency may vary
• Consent is not a condition of purchase
• You can opt-out at any time

8.2 Types of Text Messages

We may send the following types of text messages:

Transactional Messages (No consent required):

• Policy confirmations and documentation
• Payment receipts and confirmations
• Claims status updates
• Two-factor authentication and security codes
• Fraud alerts and account security notifications
• Customer service responses to your inquiries

Informational Messages (Consent required):

• Policy renewal reminders
• Payment due date reminders
• Coverage expiration notices
• Important policy updates and changes
• Storm warnings and safety alerts
• General insurance tips and information

Marketing Messages (Express written consent required):

• Promotional offers and discounts
• New product announcements
• Educational content and resources
• Event invitations
• Referral program information
• Customer satisfaction surveys

8.3 Opt-Out and Management

You have the right to opt-out of text messages at any time:

• Text “STOP” or “UNSUBSCRIBE” to any message to opt-out
• Text “HELP” for assistance
• Call us at (713) 773-9300
• Email us at office@stevesoyebo.com

Upon receiving an opt-out request:

• We will process your request immediately (within 24 hours)
• You will receive a confirmation message
• You will no longer receive marketing or informational texts
• You may still receive critical transactional messages related to active policies or claims
• Your opt-out will remain in effect unless you explicitly opt back in

8.4 Data Retention and Phone Number Changes

• We retain opt-in and opt-out records for compliance purposes (minimum 4 years)
• If you change your phone number, you must update your preferences with the new number
• We are not responsible for messages sent to outdated phone numbers

8.5 Carrier and Network Compliance

• We comply with all major carrier guidelines (AT&T, Verizon, T-Mobile, etc.)
• We maintain appropriate throughput and sending limits
• We monitor and maintain message deliverability scores
• We use registered 10DLC phone numbers and approved messaging campaigns

9. Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction.

9.1 Technical Safeguards

• Encryption: We use industry-standard SSL/TLS encryption for data transmission over the internet
• Secure Storage: Personal information is stored on secure servers with restricted access
• Access Controls: Role-based access controls ensure only authorized personnel can access sensitive data
• Authentication: Multi-factor authentication (MFA) for employee and administrator access
• Firewalls: Network firewalls and intrusion detection systems protect against unauthorized access
• Malware Protection: Antivirus and anti-malware software on all systems
• Regular Updates: Software and security patches applied promptly
• Data Backup: Regular encrypted backups stored in secure, geographically diverse locations
• Disaster Recovery: Comprehensive business continuity and disaster recovery plans

9.2 Administrative Safeguards

• Employee Training: Regular privacy and security training for all employees
• Confidentiality Agreements: All employees sign confidentiality and non-disclosure agreements
• Background Checks: Background screening for employees with access to sensitive information
• Vendor Management: Due diligence and security assessments for all third-party vendors
• Incident Response Plan: Documented procedures for detecting, responding to, and reporting security incidents
• Privacy Policies and Procedures: Written policies governing the handling of personal information
• Regular Audits: Internal and external security audits and compliance assessments

9.3 Physical Safeguards

• Secure Facilities: Our office at 9730 Southwest Fwy, Suite 222, Houston, TX 77074 is secured with access controls
• Visitor Policies: Sign-in requirements and escort procedures for visitors
• Document Security: Locked filing cabinets and secure document disposal (shredding)
• Clean Desk Policy: Sensitive documents must be secured when not in use
• Equipment Security: Computers, devices, and media are physically secured

9.4 Limitations and Disclaimer

While we implement robust security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. You transmit information to us at your own risk.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Using strong, unique passwords
• Logging out of your account after use
• Protecting your devices from unauthorized access
• Notifying us immediately of any suspected unauthorized access

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal, regulatory, and business requirements.

10.1 Retention Periods

Active Customer Records:

• Retained for the duration of the business relationship
• Maintained for the life of the policy plus applicable statute of limitations

Former Customer Records:

• Minimum 5 years after policy expiration or termination
• Longer if required by state law or regulatory requirements
• Texas insurance records retention: 5 years minimum

Claims Records:

• Minimum 5 years after claim closure
• Longer for claims involving minors, litigation, or ongoing disputes

Marketing and Communications Records:

• Opt-out lists: Retained indefinitely
• Marketing consent records: Minimum 4 years
• A2P 10DLC consent records: Minimum 4 years
• SMS opt-in data: Retained for duration of consent plus 4 years after opt-out
• Email marketing records: Per CAN-SPAM requirements

Financial Records:

• Minimum 7 years for tax and IRS purposes
• Payment records: 7 years
• Premium finance agreements: Life of loan plus 7 years

Employment Records:

• Per applicable federal and state employment law requirements
• Typically 4-7 years after termination

Website Analytics and Cookies:

• Typically 26 months or as specified in our Cookie Policy

10.2 Secure Disposal

When information is no longer needed, we securely destroy it using methods such as:

• Shredding of physical documents
• Secure deletion or destruction of electronic files
• Degaussing or physical destruction of storage media
• Certificate of destruction from third-party disposal vendors

11. Your Rights and Choices

You have certain rights regarding your personal information:

11.1 Access and Correction

You have the right to:

• Access your personal information we hold
• Request a copy of your information in a portable format
• Correct or update inaccurate or incomplete information
• Request explanation of how we use or share your information

To exercise this right:

• Email us at office@stevesoyebo.com
• Call us at (713) 773-9300
• Mail a written request to: 9730 Southwest Fwy, Suite 222, Houston, TX 77074

We will respond to your request within 30 days. We may require verification of your identity before fulfilling your request.

11.2 Marketing Opt-Out

Email Marketing:

• Click the “Unsubscribe” link in any marketing email
• Email office@stevesoyebo.com with “Unsubscribe” in the subject line
• We will process your request within 10 business days

Text/SMS Marketing:

• Reply “STOP” to any marketing text message
• Text “STOP” to our messaging number
• Confirmation will be sent immediately

Telephone Marketing:

• Add your number to the National Do Not Call Registry at www.donotcall.gov
• Request to be added to our internal Do Not Call list by calling (713) 773-9300
• We will honor your request within 30 days

Direct Mail:

• Contact us at office@stevesoyebo.com or (713) 773-9300 to opt-out
• Allow 60 days for processing

Important: Opting out of marketing does not affect:

• Transactional communications related to your policies or claims
• Legal notices and required regulatory disclosures
• Service-related messages about your account

11.3 Cookie Management

You can control cookies through your browser settings:

• Most browsers allow you to refuse or delete cookies
• Disabling cookies may affect website functionality
• See Section 13 for more details on cookies

11.4 Do Not Track Signals

Our website does not currently respond to Do Not Track (DNT) browser signals. You may disable tracking through browser settings or third-party tools.

11.5 Account Closure and Data Deletion

You may request closure of your account and deletion of your personal information, subject to:

• Legal retention requirements: We must retain certain records for regulatory compliance
• Active policies: Information related to active policies cannot be deleted
• Claims and disputes: Information involved in pending claims or disputes must be retained
• Fraud prevention: Information may be retained to prevent fraud and protect our business

To request account closure or deletion, contact us at office@stevesoyebo.com or (713) 773-9300. We will respond within 30 days and inform you of any limitations.

11.6 State-Specific Privacy Rights

California Residents (CCPA/CPRA): California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to:

• Know what personal information is collected, used, and shared
• Request deletion of personal information (subject to exceptions)
• Opt-out of the “sale” or “sharing” of personal information
• Non-discrimination for exercising privacy rights
• Correct inaccurate personal information
• Limit use of sensitive personal information

We do not “sell” personal information as defined by the CCPA.

To exercise CCPA/CPRA rights, contact us at office@stevesoyebo.com or (713) 773-9300. We will verify your identity and respond within 45 days.

Other State Privacy Laws: If you reside in a state with specific privacy legislation (Virginia, Colorado, Connecticut, Utah, etc.), you may have similar rights. Contact us to inquire about your state-specific rights.

12. Third-Party Links and Services

Our website and communications may contain links to third-party websites, social media platforms, and services not operated by us.

We are not responsible for:

• The privacy practices of third-party websites
• The content or accuracy of external sites
• Data collection by third parties
• Security of third-party platforms

We recommend that you:

• Review the privacy policies of any third-party sites you visit
• Exercise caution when providing personal information to external sites
• Understand that third-party links do not constitute endorsement

Third-party services we may link to include:

• Insurance carrier websites and customer portals
• Payment processing platforms
• Social media platforms (Facebook, LinkedIn, Twitter, Instagram, etc.)
• Review sites (Google Reviews, Yelp, BBB, etc.)
• Industry associations and educational resources
• Government and regulatory websites

13. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience and collect usage information.

13.1 Types of Cookies We Use

Strictly Necessary Cookies:

• Essential for website operation and security
• Enable core functionality (account login, quote forms, session management)
• Cannot be disabled without affecting website performance

Performance and Analytics Cookies:

• Collect information about website usage and performance
• Help us understand visitor behavior and improve user experience
• Examples: Google Analytics, Hotjar, Facebook Pixel

Functionality Cookies:

• Remember your preferences and settings
• Personalize content and user experience
• Pre-fill forms with previously entered information

Marketing and Advertising Cookies:

• Track your browsing activity for advertising purposes
• Enable retargeting and remarketing campaigns
• Measure ad campaign effectiveness
• Examples: Google Ads, Facebook Ads, LinkedIn Ads

13.2 Third-Party Cookies

We may allow third-party service providers to place cookies on our website for:

• Analytics and usage tracking
• Advertising and retargeting
• Social media integration
• Customer support chat

13.3 Cookie Management

You can control cookies through:

• Browser Settings: Most browsers allow you to refuse or delete cookies
• Opt-Out Tools: Industry opt-out tools like the Network Advertising Initiative (NAI) or Digital Advertising Alliance (DAA)
• Do Not Track: Browser-based Do Not Track settings (though we do not currently respond to DNT signals)

Note: Disabling cookies may affect website functionality and your user experience.

13.4 Web Beacons and Pixel Tags

We use web beacons (transparent pixel tags) in emails and on our website to:

• Track email open rates
• Monitor user engagement
• Measure marketing campaign performance
• Understand user navigation patterns

14. Children’s Privacy

Our services are not directed to children under the age of 18. We do not knowingly collect personal information from minors without parental consent.

If we discover that we have collected information from a child under 18 without parental consent:

• We will delete the information immediately
• We will terminate any associated account
• We will not use or share the information

If you believe we have collected information from a minor, please contact us immediately at:

• Email: office@stevesoyebo.com
• Phone: (713) 773-9300

Parents and guardians:

• You have the right to review and request deletion of your child’s information
• You may contact us to inquire about what information we hold about your child

15. International Data Transfers

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency operates primarily in the United States and is subject to U.S. laws and regulations.

If you are located outside the United States:

• Your information may be transferred to and processed in the United States
• U.S. privacy laws may differ from those in your jurisdiction
• By using our services, you consent to the transfer and processing of your information in the U.S.

We do not knowingly offer services to or collect information from individuals in the European Economic Area (EEA), United Kingdom, or other jurisdictions with strict data protection laws unless we have established appropriate legal mechanisms.

If you are located in such jurisdictions and wish to use our services, please contact us at office@stevesoyebo.com to discuss compliance measures.

16. Data Breach Notification

In the event of a data breach that compromises the security of your personal information, we will:

Investigate and Assess:

• Promptly investigate the scope and impact of the breach
• Determine what information was accessed or acquired
• Assess the risk of harm to affected individuals

Notify Affected Individuals:

• Provide notice without unreasonable delay (typically within 60 days)
• Notify you via email, mail, or telephone
• Include information about: the nature of the breach, types of information involved, steps we are taking, and actions you can take to protect yourself

Notify Regulators:

• Report the breach to applicable state and federal regulators as required by law
• Notify the Texas Attorney General if Texas residents are affected
• Comply with all state breach notification laws

Remediate and Prevent:

• Take immediate steps to secure systems and prevent further unauthorized access
• Offer credit monitoring or identity theft protection services if appropriate
• Review and enhance security measures to prevent future incidents

Contact us immediately if you suspect unauthorized access to your account or information at:

• Email: office@stevesoyebo.com
• Phone: (713) 773-9300

17. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time to reflect:

• Changes in our business practices
• New legal or regulatory requirements
• Technological advancements
• Customer feedback and requests

When we make changes:

• We will update the “Last Updated” date at the top of this policy
• Material changes will be communicated via:
  • Email notification to active customers
  • Prominent notice on our website
  • Text message (for significant changes affecting A2P messaging)
• The revised policy will be effective immediately upon posting unless otherwise stated

Your continued use of our services after changes constitutes acceptance of the updated Privacy Policy.

We encourage you to:

• Review this Privacy Policy periodically
• Check the “Last Updated” date for recent changes
• Contact us with questions about policy changes

18. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency

Mailing Address:
9730 Southwest Fwy, Suite 222
Houston, TX 77074

Email:
office@stevesoyebo.com

Phone:
(713) 773-9300

Business Hours:
Monday-Friday, 10:00 AM to 5:00 PM CST

For Privacy-Specific Inquiries:

• Email Subject Line: “Privacy Inquiry”
• We will respond to all privacy inquiries within 10 business days
• For urgent matters, please call during business hours

19. Legal Disclaimers and Limitations

19.1 No Attorney-Client Relationship

This Privacy Policy does not create an attorney-client relationship. For legal advice, consult with a licensed attorney.

19.2 No Guarantee of Insurance Coverage

This Privacy Policy does not guarantee insurance coverage, approval of applications, or specific policy terms. All coverage is subject to underwriting approval and policy terms and conditions.

19.3 Insurance Transactions Are Governed by Policy Contracts

In the event of any conflict between this Privacy Policy and the terms of an insurance policy contract, the policy contract shall prevail.

19.4 Limitation of Liability

To the fullest extent permitted by law, Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency shall not be liable for:

• Unauthorized access to or alteration of your information due to circumstances beyond our control
• Third-party actions or failures (including insurance carriers, service providers, or vendors)
• Acts of God, natural disasters, cyberattacks, or other force majeure events
• Your failure to safeguard your account credentials or devices
• Indirect, incidental, consequential, or punitive damages arising from privacy breaches

Our total liability for any privacy-related claims shall not exceed the amount of premiums you have paid to us in the 12 months preceding the claim.

19.5 Indemnification

You agree to indemnify and hold harmless Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, its officers, employees, and agents from any claims, damages, or losses arising from:

• Your violation of this Privacy Policy
• Your provision of false, inaccurate, or misleading information
• Your violation of applicable laws or third-party rights
• Unauthorized use of your account credentials

19.6 Severability

If any provision of this Privacy Policy is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19.7 Entire Agreement

This Privacy Policy, together with our Terms of Service and any applicable insurance policy contracts, constitutes the entire agreement between you and Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency regarding the subject matter herein.

19.8 Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any disputes arising from this Privacy Policy shall be resolved in the state or federal courts located in Harris County, Texas, and you consent to the exclusive jurisdiction of such courts.

19.9 Waiver

Our failure to enforce any provision of this Privacy Policy shall not constitute a waiver of that provision or any other provision.

20. Acknowledgment and Consent

By using our services, you acknowledge that:

1. You have read and understood this Privacy Policy in its entirety
2. You consent to the collection, use, disclosure, and processing of your personal information as described herein
3. You understand your rights and choices regarding your personal information
4. You agree to receive communications from us in accordance with this policy and applicable law
5. You understand that insurance applications may require disclosure of sensitive information for underwriting purposes
6. You authorize us to obtain information from third parties (credit bureaus, insurance carriers, public records, etc.) as necessary to provide insurance services
7. You understand that providing false or misleading information may result in denial of coverage, policy rescission, or criminal prosecution
8. You accept the terms, limitations, and disclaimers set forth in this Privacy Policy
9. You understand that your mobile phone number and SMS opt-in consent will never be shared with third parties for marketing purposes

For A2P 10DLC text messaging, by opting in, you acknowledge and consent to:

• Receiving text messages from Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency
• Message and data rates may apply
• Message frequency may vary
• You can opt-out at any time by texting STOP
• Your consent is not a condition of purchase
• Your mobile information and SMS consent will not be shared with third parties for marketing purposes

This Privacy Policy is effective as of January 10, 2026, and supersedes all previous versions.

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency
9730 Southwest Fwy, Suite 222
Houston, TX 77074
office@stevesoyebo.com
(713) 773-9300