Our Privacy Policy

Effective Date: December 2025


At ExcelSave, your trust means everything to us. Whether you come to us for CPR/BLS training, wellness coaching, financial empowerment, or life insurance solutions, you are placing not only your time—but also your personal information—in our care.
That’s why we are committed to protecting your privacy and being transparent about how we collect, use, and safeguard your information.

This Privacy Policy explains how ExcelSave (“we,” “our,” or “us”) collects, uses, protects, and manages personal information across both ExcelSave Health and ExcelSave Finance.



1. Purpose

ExcelSave is committed to protecting the privacy, confidentiality, and security of all personal information entrusted to us. As we operate in both health education and financial services, we comply with:

  • HIPAA (Health Insurance Portability and Accountability Act) for health-related personal and training records.
  • FINRA (Financial Industry Regulatory Authority) and other applicable regulations for financial, insurance, and investment-related data.
  • State and federal consumer protection laws, including SMS consent and data privacy requirements.



2. Scope

This policy applies to all ExcelSave employees, contractors, volunteers, and authorized third-party partners who have access to personal information collected during:

  • Health and safety training (CPR/AED/BLS/First Aid)
  • Health education and wellness coaching
  • Financial literacy workshops
  • Life insurance and legacy planning consultations
  • Online interactions, SMS text messaging, and website activity



3. Definitions

PHI (Protected Health Information)

Health-related information that identifies an individual and relates to their health status, provision of care, or payment for care.

NPI (Nonpublic Personal Information)

Financial information about a customer that is not publicly available.

PII (Personally Identifiable Information)

Any data that can identify an individual, such as name, address, email, phone number, date of birth, or identification numbers.



4. Information We Collect

We only collect information that helps us serve you better. This may include:

a. Personal Information

Name, mailing address, email, phone number, emergency contact details, and demographic data needed for registrations.

b. Health & Training Information

Information required to register, certify, or support your participation in CPR/BLS/First Aid or health education programs.

c. Financial & Insurance Information

Information related to financial literacy, life insurance reviews, retirement planning, or financial services consultations.

d. Technical Information

IP addresses, device type, browsing activity, cookies, and analytics data for improving website performance.



5. How We Use Your Information

Your information is used only for legitimate business and service-related purposes, including:

  • Delivering requested health or financial services
  • Scheduling classes and appointments
  • Processing payments and issuing certificates or policy documents
  • Maintaining accurate compliance and training records
  • Providing follow-up information, resources, reminders, and service updates
  • Communicating via SMS, email, or phone regarding your services
  • Meeting legal, regulatory, insurance, and accreditation requirements
  • Improving customer experience and operational effectiveness



6. SMS/Text Messaging & Consent

ExcelSave may use SMS messaging to communicate with you regarding scheduling, reminders, confirmations, updates, and customer support. We follow strict carrier, TCPA, and 10DLC compliance standards.

6.1 How We Obtain SMS Consent

You will only receive SMS messages if you:

·       Provide verbal consent during a phone conversation

·       Submit your phone number through a website form that includes SMS disclosure

·       Provide consent via written or digital intake forms

·       Initiate a conversation by sending an inbound SMS

·       Confirm via email that you wish to receive SMS messaging

6.2 Your SMS Rights

·       Message frequency may vary.

·       Message and data rates may apply.

·       You may opt out at any time by replying: STOP, END, CANCEL, QUIT

·       Reply HELP for assistance.

6.3 SMS Data Protection

Your phone number is never sold, shared, or disclosed to third parties for marketing or lead generation.



7. Data Protection Measures

To protect your information, ExcelSave employs:

  • Role-based access controls for sensitive data
  • Encryption of digital PHI and NPI in storage and transmission
  • Physical security controls for paper records
  • Secure disposal procedures, including shredding and digital deletion
  • Ongoing audits of system access, cybersecurity, and regulatory compliance
  • Confidentiality agreements for staff and service providers



8. Confidentiality & Disclosure

We do not share your information without your permission, except:

  • To comply with HIPAA, FINRA, or other regulatory obligations
  • When required by law (e.g., subpoenas, court orders)
  • With authorized service providers who support our operations and are bound by confidentiality
  • In emergencies to protect life, health, or safety

We never sell or share personal information—including phone numbers—with third parties for marketing or lead generation.



9. Your Rights

Depending on applicable laws, you have the right to:

  • Access your personal information
  • Request corrections or updates
  • Request limits on how your information is used or disclosed
  • Receive a copy of your records
  • File a privacy complaint without fear of retaliation



10. Data Retention

  • Health Training Records: Retained for at least 6 years per HIPAA guidelines
  • Financial/Insurance Records: Retained for at least 6 years per FINRA requirements
  • General Records: Kept only as long as necessary for the purposes outlined in this policy



11. Breach Notification

If a breach involving your PHI, NPI, or PII occurs:

  • We will notify affected individuals promptly (within 60 days for HIPAA breaches)
  • We will investigate, mitigate, and prevent future breaches



12. Cookies & Digital Tools

We may use cookies and analytics tools to improve user experience.
Visitors may disable cookies through browser settings.



13. Children’s Privacy

We do not knowingly collect information from children under 13.
If such information is identified, it will be deleted immediately.



14. Changes to This Policy

We may update this Privacy Policy periodically. Any updates will be posted on our website with a revised effective date.



15. Contact Information

For privacy-related inquiries or to exercise your rights, contact:

ExcelSave – Privacy Officer
📍 Fresno, CA 93737
📧 info@excelsave.com
📞 +1 (559) 315-6100 Ext. 100
🌐 www.excelsave.com



Our Commitment

At ExcelSave, our motto is “Saving Lives. Securing Legacies.”
That includes protecting your personal information with the same integrity and dedication with which we safeguard lives and financial futures. We are honored to serve you—and we are committed to keeping your information safe.