Privacy Policy

Last Updated: July 20, 2026

1. Who We Are

José Llera (“José Llera,” “we,” “us,” or “our”) operates in Puerto Rico and provides insurance education, guidance, and insurance-related services.

Address: 273 Ave. Juan Ponce de León, Suite 1400, San Juan, PR 00918
Mobile: (787) 482-3773
Office: (787) 758-2244
Email: josellera@financialguide.com

2. Information We Collect

We may collect the following categories of information:

Contact Information
Your name, email address, phone number, and municipality.

Inquiry Information
Information about your questions, interest in insurance services, and messages submitted through website forms, phone calls, email, or other approved communication channels.

Documents and Information You Share
Documents or other information that you voluntarily provide.

Technical Information
Internet Protocol address, device information, browser information, pages viewed, cookies, and advertising identifiers.

Communication Preferences
Information about how you prefer to receive communications from us.

3. How We Collect Information

We may collect information through:

• Website forms
• Phone calls
• Email
• Cookies
• Similar technologies

4. How We Use Your Information

We may use your information to:

• Respond to inquiries
• Provide requested information or resources
• Schedule calls or meetings
• Follow up on requests
• Review interest in insurance-related services
• Improve the website and user experience
• Send communications with your consent
• Help prevent fraud, misuse, or security incidents
• Comply with applicable legal, regulatory, and recordkeeping obligations

5. Legal Basis

Depending on the circumstances and applicable law, we may process personal information based on:

• Your consent
• Steps taken at your request before entering into an insurance-related business relationship
• Legitimate interests in operating and improving the website, responding to inquiries, and preventing fraud
• Compliance with applicable laws and regulatory requirements in Puerto Rico and the United States
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6. Who We Share Information With

We may share personal information with:

• Technology providers, including website hosting, email, analytics, and form providers
• Approved communication platforms
• Insurance companies or other authorized parties when you request or authorize the sharing as part of a quote, application, policy review, or insurance-related service
• Professional advisers or service providers when reasonably necessary and permitted by law
• Government or regulatory authorities when required by applicable law

We do not share personal information for purposes unrelated to your request, except when permitted or required by law.

7. International Data Transfers

Some service providers may store or process information outside Puerto Rico.

When this occurs, we use providers that represent that they maintain appropriate security measures and contractual protections.

8. Data Retention

Forms and Communications
We may retain forms and communications for up to 24 months after the most recent contact, unless a longer period is required or permitted by applicable law, regulation, or recordkeeping requirements.

Client Records
Client and insurance-related records may be retained according to applicable legal, regulatory, compliance, contractual, and audit requirements.

Cookies
Cookies may be retained according to their category, purpose, and applicable settings. Please review the Cookie Policy for additional information.

9. Your Privacy Rights

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

• Access to your personal information
• Correction of inaccurate or incomplete information
• Deletion of personal information
• Restriction of certain processing
• Data portability
• Objection to certain uses
• Withdrawal of consent

The availability of these rights may depend on the laws that apply to your request.

To submit a privacy-related request, email josellera@financialguide.com with the subject line:

Privacy Rights Request

We may need to verify your identity before responding. We may also retain certain information when required or permitted by law.

10. Children’s Privacy

This website is not directed to children, and we do not knowingly seek to collect personal information from children through the website.

If you believe that a child has submitted personal information, please contact us so we can review the situation and take appropriate action.

11. Security

We use reasonable technical and organizational measures intended to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no security system, electronic transmission, or storage method is completely secure. We cannot guarantee absolute security.

12. Third-Party Websites and Services

This website may include links to third-party websites or may use services operated by third parties.

José Llera does not control the privacy, security, or data-handling practices of third-party websites or services. We encourage visitors to review the privacy policies of those third parties.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be posted on this page. The version identified by the Last Updated date is the current version.