Privacy Policy

1. Information We May Collect

The information we collect depends on how you interact with us. It may include:

• Your name, mailing address, email address, and telephone number.
• Your state of residence, age, date of birth, and preferred appointment time.
• General retirement goals, income needs, financial concerns, retirement timeline, and approximate amount being considered.
• General information about an IRA, 401(k), 403(b), Thrift Savings Plan, annuity, certificate of deposit, savings account, or other source of funds.
• Information voluntarily provided during a telephone call, virtual meeting, email, text-message conversation, or online form submission.
• Application information required by an insurance company when you choose to apply for an insurance or annuity product.
• Technical information such as browser type, device type, internet-protocol address, referring page, pages visited, and approximate interaction data.

2. How We Use Information

We may use information you provide to:

• Respond to your request for information.
• Contact you by telephone, email, text message, or virtual meeting regarding your inquiry.
• Schedule or confirm appointments.
• Understand your retirement goals and general financial needs.
• Prepare insurance or annuity illustrations when requested.
• Identify insurance products that may be available based on your state, age, objectives, and other information provided.
• Submit an application to an insurance company only when you authorize us to do so.
• Provide customer service and maintain appropriate business records.
• Improve website functionality, security, accessibility, and user experience.
• Comply with legal, licensing, regulatory, carrier, compliance, and record-retention obligations.

3. When Information May Be Disclosed

Although we do not sell personal information, limited disclosure may be necessary to provide a service you request or to operate our business. Information may be disclosed only as reasonably necessary in the following circumstances:

• Insurance companies: Information may be provided to an insurance carrier when you request an illustration, quote, underwriting review, application, or policy service.
• Authorized insurance professionals: Information may be provided to a licensed advisor, senior advisor, agent, agency, or marketing organization helping evaluate or process your requested insurance transaction.
• Service providers: Limited information may be processed by companies that provide website hosting, scheduling, email, telephone, text messaging, videoconferencing, customer-management, security, document-storage, or other operational services.
• Professional advisers: Information may be disclosed to legal counsel, accountants, auditors, compliance professionals, or regulators when reasonably necessary.
• Legal obligations: Information may be disclosed when required by law, court order, subpoena, regulatory request, licensing authority, or lawful government process.
• Protection and fraud prevention: Information may be disclosed when reasonably necessary to protect our rights, prevent fraud, investigate misuse, maintain security, or protect a person from harm.
• Business transfer: Information may be transferred in connection with a merger, acquisition, reorganization, or sale of business assets, subject to applicable privacy obligations.
• With your permission: Information may be disclosed for another purpose when you specifically request or authorize the disclosure.

4. Information-Sharing Summary

5. Text Messages, Calls, and Email

When you provide a telephone number or email address and request contact, we may use that information to respond to your inquiry, confirm an appointment, provide requested information, or communicate regarding an existing application or policy.

Consent to receive marketing text messages is not a condition of purchasing an insurance product. Message and data rates may apply. You may request that marketing text messages stop by replying STOP. You may request assistance by replying HELP.

You may request removal from nonessential email communications by using an unsubscribe option, when provided, or by contacting us directly.

6. Cookies and Website Technology

This website or its hosting providers may use cookies, log files, analytics tools, embedded content, or similar technologies to operate the website, remember preferences, understand website usage, prevent fraud, and improve performance.

You may be able to limit cookies through your browser settings. Disabling certain cookies may affect website functionality.

7. Third-Party Platforms and Links

This website may link to or use services provided by third parties, including scheduling platforms, videoconferencing providers, social-media platforms, website hosts, insurance companies, and market-data providers.

Information submitted directly to a third-party platform is subject to that provider’s privacy policy and security practices. CAB Financial Solutions™ does not control every third-party website or platform.

8. Data Security

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

However, no website, email system, telephone system, cloud service, internet transmission, or electronic-storage method can be guaranteed to be completely secure. Please do not submit Social Security numbers, banking credentials, medical records, or other highly sensitive information through an unsecured website form or ordinary email unless specifically instructed to use an approved secure method.

9. Data Retention

Personal information may be retained only as long as reasonably necessary to respond to your request, provide services, maintain business records, service an application or policy, resolve disputes, prevent fraud, and satisfy legal, licensing, contractual, carrier, compliance, and regulatory requirements.

Information that is no longer reasonably needed may be securely deleted, destroyed, or deidentified, subject to applicable record-retention requirements.

10. Your Privacy Choices

Subject to applicable law and record-retention obligations, you may contact us to:

• Ask what contact information we maintain about you.
• Request correction of inaccurate contact information.
• Request that we stop nonessential marketing communications.
• Withdraw consent for future optional communications.
• Request deletion of information that we are not legally or contractually required to retain.
• Ask questions about how information was used or disclosed.

We may need to verify your identity before completing certain privacy requests.

11. Children’s Privacy

This website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information directly from children under 13 through this website.

Information concerning a minor should be submitted only by or with authorization from the minor’s parent or legal guardian and only when reasonably necessary for a requested insurance service.

12. Insurance Applications and Carrier Privacy Notices

When you apply for an insurance or annuity product, the issuing insurance company may collect, use, retain, verify, and disclose information under its own privacy policy, underwriting practices, application documents, authorizations, and applicable law.

The insurance company’s privacy notice and application documents will control how the company handles information submitted to it.

13. Data-Breach Response

If we discover a security incident affecting protected personal information, we will investigate the incident and take reasonable responsive measures. Notifications will be provided when and as required by applicable law.

14. Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes in our website, business practices, service providers, legal requirements, or regulatory obligations.

The revised policy will be posted on this page with an updated effective date. Continued use of the website after an update constitutes acknowledgment of the revised policy.

15. Policy Scope

This Privacy Policy describes our general website and communication practices. Additional privacy notices, authorizations, carrier forms, or legally required disclosures may apply to a particular insurance application, transaction, state, or financial product.