Privacy Policy

We collect nonpublic personal information about you from the following sources. 

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A. Information You Provide

• Name, address, phone number, and email

• Date of birth

• Social Security number

• Driver's license number

• Employment and income information

• Financial account information

• Health and medical history (when applying for insurance products)

• Beneficiary information

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B. Information from Third Parties

• Insurance carriers

• Financial institutions 

• Credit reporting agencies

• Medical providers (with authorization)

• Background and verification services

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C. Information Collected Automatically (Website Use)

If applicable, we may collect:

• IP address

• Browse type

• Device information

• Website usage data

• Cookies and analytics information

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How We Use Your Information

We use your personal information to: 

• Provide insurance and financial services

• Process applications and transactions

• Obtain quotes and underwrite insurance policies

• Develop retirement and financial planning strategies

• Service your accounts

• Communicate with you about your products and services

• Comply with legal and regulatory requirements

• Prevent fraud and unauthorized transactions

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We do not sell your personal information.

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How We Share Your Information

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We may share your nonpublic personal information only as permitted by law, including:

A. With Insurance Carriers 

To obtain quotes, process applications, and service policies.

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B. With Service Providers

Third parties that assist us in operating our business, such as:

• Technology providers

• CRM and data hosting services

• Compliance consultants

• Administrative support vendors

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C. For Legal and Regulatory Purposes

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When required to:

• ​Comply with federal or Connecticut laws

• Respond to subpoenas or legal process

• Protect against fraud

• Protect our rights and security 

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We do not disclose your information to non-affiliated third parties for marketing purposes. 

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Data Security

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We maintain physical electronic, and procedural safeguards to protect your personal information, including:

• Secure document storage

• Encrypted electronic communication where appropriate

• Password-protected systems

• Limited employee access

• Secure third-party service providers

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While we take reasonable measures to protect your data, no system can guarantee absolute security. 

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Your Privacy Rights

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A. Connecticut Residents

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Connecticut residents may have rights under the Connecticut Data Privacy Act (CTDPA), including:

• The right to access personal data we maintain about you

• The right to requst correction of inaccurate information

• The right to request deletion of certain personal data

• The right to opt out of targeted advertising or certain data processing

To exercise these rights, contact us using the information below.

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B. Federal Financial Privacy Notice

As requested under the Gramm-Leach-Bliley Act, we provide with an initial and annual privacy notice describing our information-sharing practices.

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Retention of Information

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We retain personal information as long as necessary to:

• Provide financial and insurance services

• Meet legal and regulatory obligations

• Resolve disputes

• Enforce agreements

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Insurance and financial regulations may require long-term record retention. 

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Children's Privacy

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Our services are not directed to children under 13. We do not knowingly collect personal information from children except as required for beneficiary or dependent coverage purposes.

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Third-Party Links

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Our website may contain links to third party websites. We are not responsible for the privacy practices of those websites.

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Changes to This Privacy Policy

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We reserve the right to modify this Privacy Policy at any time. Updates will be posted on our website with a revised effective date.

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Contact Information