Privacy Policy and Legal Disclosures

Effective Date: January 2026

Ashley River Benefits Group (“we,” “our,” or “us”) values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information in connection with our educational content and insurance consultation services in South Carolina.

1. Who We Are

Ashley River Benefits Group operates as a marketing name and is affiliated with Lloyd Agencies LLC, a licensed insurance agency. Insurance products are offered through Lloyd Agencies LLC and its appointed carriers. We provide educational, consultative guidance on life and accident insurance and employer benefits to South Carolina clients.

2. Information We Collect

We collect information you voluntarily provide when interacting with our website, including when you:

  • Request a consultation, quote, or educational materials
  • Submit contact forms or subscribe to updates
  • Communicate with us by email, phone, or online chat

The information we may collect includes:

  • Personal contact details (name, email, phone, address)
  • Information related to your insurance interests or goals
  • Demographic or employment information you voluntarily provide
  • Technical data such as IP address, browser type, and usage patterns (collected via cookies and analytics tools)

3. How We Use Your Information

Your information is used only for lawful business purposes, including:

  • Responding to your inquiries and scheduling consultations
  • Providing educational information and insurance guidance
  • Improving website usability and service quality
  • Meeting legal, regulatory, or compliance obligations

We do not sell or rent your personal information. Information shared with insurance carriers or partners is limited to what is necessary to process requests or applications, subject to applicable privacy laws.

4. Cookies and Analytics

Our website may use cookies or similar technologies to enhance user experience, track anonymous usage data, and improve performance. Cookies do not collect personally identifiable information unless you provide it. You can manage or disable cookies through your browser settings.

5. Data Sharing and Third Parties

We may share information with:

  • Licensed insurance carriers and service providers involved in delivering requested information or services
  • Professional advisors (legal, compliance, or technical) when necessary
  • Regulatory or governmental authorities, when required by law

All third parties are expected to maintain appropriate confidentiality and data protection standards.

6. Data Retention and Security

We retain personal information only as long as necessary for the purposes described above or as required by law. We use industry-standard administrative, technical, and physical safeguards to protect information from unauthorized access, loss, or misuse.

7. Your Privacy Choices

You have the right to:

  • Request access to or correction of your personal information
  • Withdraw consent for marketing communications at any time
  • Request deletion of your information, subject to legal and compliance obligations

To exercise these rights, contact us at info@ashleyriverbenefits.com.

8. Email and Communication Policy

If you receive emails or updates from us, it is because you requested information or interacted with our website. You can opt out of email communications at any time using the “unsubscribe” link in our messages.

9. Links to Other Websites

Our website may include links to external sites. We are not responsible for the privacy practices or content of those third-party sites. We recommend reviewing their privacy policies before sharing any personal information.

10. Children’s Privacy

Our services are not directed toward children under the age of 13. We do not knowingly collect personal information from children. If you believe information has been collected in error, please contact us for prompt removal.

11. ADA and Accessibility Commitment

We strive to maintain accessibility compliance with the Web Content Accessibility Guidelines (WCAG 2.1 AA). If you encounter any barriers while using our site or need materials in an alternate format, please contact us at accessibility@ashleyriverbenefits.com.

12. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The “Effective Date” above will always indicate the most recent version. Continued use of our site following updates constitutes acceptance of the revised policy.

13. Contact Us

For questions about this Privacy Policy, our data practices, or to exercise your privacy rights, please contact:

Ashley River Benefits Group
Affiliated with Lloyd Agencies LLC
Email: info@ashleyriverbenefits.com
Location: Serving clients located in South Carolina

This Privacy Policy is provided for general informational purposes and does not constitute legal advice. Ashley River Benefits Group operates as a marketing name and is not an insurance carrier. Insurance products are offered through Lloyd Agencies LLC and its appointed carriers, subject to state licensing, underwriting, and policy terms.