Cookie & Privacy Policy

Last Updated: July 17, 2026

OVD is committed to protecting your privacy. This Privacy & Cookie Policy explains how we collect, use, and protect information when you visit our website.

Information We Collect

We may collect limited information about your use of our website, including:

• Pages you visit
• Time spent on our website
• General geographic location (city/region)
• Device, browser, and operating system information
• Referring websites or search engines
• IP address (processed in accordance with applicable privacy standards)

If you choose to contact us through our website, we may collect the information you voluntarily provide, such as your name, email address, phone number, and the contents of your message.

How We Use Your Information

We use information collected through our website to:

• Improve website performance and user experience
• Understand how visitors use our website
• Monitor website traffic and trends
• Respond to inquiries you submit
• Maintain the security and functionality of our website

We do not sell your personal information.

Cookies and Analytics

Our website uses cookies and similar technologies to improve your browsing experience.

We use Google Analytics to help us understand how visitors interact with our website. Google Analytics collects information such as pages visited, time spent on the site, and general device information. This information is aggregated and does not identify you personally.

We also use Google Tag Manager to manage website tags and analytics tools. Google Tag Manager itself does not collect personal information but facilitates the deployment of analytics and other website services.

Most web browsers allow you to control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.

Third-Party Services

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing personal information.

Data Security

We take reasonable administrative and technical measures to help protect the information we collect. However, no method of transmitting or storing information over the internet can be guaranteed to be completely secure.

Your Rights

Depending on your location, you may have rights regarding your personal information, including the right to request access, correction, or deletion of certain information, subject to applicable law.

California Residents

If you are a California resident, you may have additional privacy rights under applicable California law. Certain information collected in connection with insurance products and services may be subject to federal and California financial privacy laws rather than the California Consumer Privacy Act (CCPA), where applicable.

California insurance applicants and policyholders may also have rights under the California Insurance Information and Privacy Protection Act. If you have questions regarding your privacy rights or would like additional information, please contact OVD using the contact information provided on this website.

Changes to This Policy

We may update this Privacy & Cookie Policy from time to time. Any changes will be posted on this page with an updated effective date.

Contact Us

If you have questions about this Privacy & Cookie Policy, please contact OVD using the contact information provided on our website.

‍

Accessibility Statement

OVD is committed to providing a website that is accessible and usable for all visitors, including people with disabilities.

We strive to design and maintain our website in accordance with recognized accessibility best practices and to improve accessibility as technology and standards evolve.

If you experience difficulty accessing any content, feature, or functionality on this website, or if you have suggestions for improving accessibility, we encourage you to contact us. Please include a description of the issue and the page you were attempting to access so we can investigate and work toward a solution.

We are committed to making reasonable efforts to improve the accessibility of our website and appreciate your feedback.

‍

Terms of Use

Last Updated: July 17, 2026

By accessing and using this website, you agree to these Terms of Use.

Informational Purposes Only

The information provided on this website is intended for general informational and educational purposes only. It should not be construed as legal, tax, accounting, insurance, financial, investment, or other professional advice.

No information on this website creates an advisor-client relationship.

Professional Advice

Every individual's and business's circumstances are unique. Before making decisions regarding taxes, insurance, financial planning, legal matters, or related topics, you should consult an OVD advisor or another qualified professional who can evaluate your specific situation.

You should not rely solely on the information presented on this website when making important financial or business decisions.

No Guarantees

While OVD strives to keep the information on this website accurate and current, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of the information provided.

Information may change without notice.

Limitation of Liability

To the fullest extent permitted by law, OVD shall not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or reliance upon, this website or its content.

Third-Party Links

This website may contain links to third-party websites for your convenience. OVD does not endorse or control the content of those websites and is not responsible for their content, services, or privacy practices.

Intellectual Property

Unless otherwise indicated, all content on this website, including text, graphics, logos, and other materials, is the property of OVD and may not be copied, reproduced, or distributed without prior written permission, except as permitted by applicable law.

Client Testimonials and Reviews

Any client testimonials, endorsements, or reviews displayed on this website reflect the personal experiences and opinions of the individuals providing them. These statements are based on individual circumstances and should not be interpreted as a guarantee of future performance, results, or client satisfaction.

Changes to These Terms

OVD reserves the right to modify these Terms of Use at any time. Updated versions will be posted on this page with a revised effective date.

Contact

If you have questions regarding these Terms of Use, please contact OVD through the contact information provided on this website.

‍