PRIVACY POLICY
Last Updated: August 24, 2026
Safe Harbor Financial Group, Inc. (“Safe Harbor Financial Group,” “Safe Harbor,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit www.safeharborfinancialgrp.com (the “Website”), register or request a reservation for an educational event, request an appointment or consultation, communicate with us, subscribe to communications, or otherwise interact with our services (collectively, the “Services”).
By using the Website or providing information to us, you acknowledge the practices described in this Privacy Policy.
This Website Privacy Policy is intended to address information collected through our Website and related communications. It does not replace any separate privacy notice that may be provided to clients or consumers pursuant to applicable insurance, financial privacy, or other laws.
1. INFORMATION WE COLLECT
The information we collect depends on how you interact with us.
1.1 Information You Provide to Us
We may collect personal information that you voluntarily provide, including:
First and last name
Email address
Telephone or mobile phone number
Mailing address
City, state, and ZIP code
Information submitted when requesting an appointment or consultation
Information submitted when requesting a reservation for a seminar or educational event
Communication preferences
Information you provide in emails, telephone calls, text messages, website forms, or other communications with us
Information relating to your retirement, insurance, or financial needs when you voluntarily provide such information as part of our services
If you become a client, additional information may be collected as reasonably necessary to provide insurance or retirement-planning services. Such information may be subject to additional privacy notices and protections.
Please do not submit Social Security numbers, financial account numbers, passwords, or other highly sensitive information through general Website contact forms or ordinary email unless specifically instructed to do so through an appropriate secure method.
1.2 Information Collected Automatically
When you visit our Website, we and our service providers may automatically collect certain technical information, such as:
Internet Protocol (IP) address
Browser type and version
Device type
Operating system
Referring website or URL
Pages viewed
Date and time of visits
Approximate geographic location derived from an IP address
Website interactions and usage information
We may collect this information through cookies, pixels, web beacons, analytics tools, log files, and similar technologies.
1.3 Email and Communication Information
If you receive emails or other electronic communications from us, our communications service providers may collect information regarding delivery and engagement, such as whether an email was delivered, opened, or a link was selected.
1.4 Information From Other Sources
Where permitted by law, we may receive personal information from third parties, including:
Insurance carriers and product providers
Service providers
Marketing and communications providers
Seminar and event providers
Referral sources
Business partners
Publicly available sources
Other parties you authorize to provide information to us
2. HOW WE USE YOUR INFORMATION
We may use personal information for legitimate business and commercial purposes, including to:
Provide and Manage Our Services
Respond to questions and inquiries
Schedule appointments and annual reviews
Process seminar and event reservation requests
Confirm attendance at educational events
Provide requested information regarding our services
Provide client service
Facilitate insurance applications and related transactions when applicable
Communicate regarding existing client relationships
Communicate With You
We may use your information to:
Respond to telephone calls, emails, website inquiries, and other requests
Provide appointment reminders
Provide seminar or event confirmations and reminders
Send administrative or service-related communications
Send newsletters and educational information
Inform you about upcoming seminars, client events, services, or other opportunities
Send marketing emails or text messages where permitted by law and, when required, with your consent
You may opt out of marketing communications as described below.
Maintain and Improve Our Website and Services
We may use information to:
Understand how visitors use our Website
Improve Website performance and functionality
Diagnose technical issues
Evaluate the effectiveness of our communications and marketing
Improve our services and educational materials
Protect Our Business and Comply With Legal Requirements
We may use information to:
Protect against fraud, misuse, or unauthorized activity
Maintain appropriate business and client records
Comply with insurance, privacy, recordkeeping, and other legal or regulatory requirements
Respond to subpoenas, court orders, regulatory requests, or other lawful processes
Establish, exercise, or defend legal rights
3. HOW WE DISCLOSE INFORMATION
We do not sell your personal information to unaffiliated third parties for monetary consideration.
We may disclose personal information as reasonably necessary to operate our business and provide our Services.
3.1 Service Providers
We may provide information to companies that perform services on our behalf, such as:
Website hosting and technology providers
Website analytics providers
Email and communications providers
Customer relationship management and administrative service providers
Event and seminar service providers
Data storage and security providers
Professional advisers and consultants
These providers may access personal information only as reasonably necessary to perform services for us and subject to applicable contractual and legal requirements.
3.2 Insurance Carriers and Product Providers
If you request or obtain insurance or related services through Safe Harbor Financial Group, we may disclose information to insurance carriers, product providers, administrators, and other parties as reasonably necessary to evaluate, process, issue, maintain, service, or administer a requested product or transaction.
3.3 Professionals and Parties You Authorize
At your direction or with your authorization, we may disclose information to individuals or professionals involved in assisting you, such as attorneys, accountants, tax professionals, family members, trustees, or other authorized representatives.
3.4 Legal and Regulatory Requirements
We may disclose information where we reasonably believe disclosure is necessary to:
Comply with applicable laws or regulations
Respond to a subpoena, court order, or lawful government request
Cooperate with regulatory authorities
Protect our rights, property, employees, clients, or others
Detect, investigate, or prevent fraud or other unlawful activity
3.5 Business Transactions
If Safe Harbor Financial Group is involved in a merger, acquisition, restructuring, sale of assets, or similar business transaction, information may be disclosed or transferred as part of that transaction, subject to applicable law.
4. COOKIES AND SIMILAR TECHNOLOGIES
Our Website and our service providers may use cookies and similar technologies to operate the Website, understand Website usage, remember preferences, measure performance, and support communications and marketing.
Cookies may include:
Essential Cookies: Necessary for Website operation, security, or functionality.
Functional Cookies: Used to remember preferences or provide enhanced Website features.
Analytics Cookies: Used to understand how visitors interact with the Website and improve its performance.
Advertising or Marketing Technologies: If used, these technologies may help us measure advertising effectiveness or communicate with individuals who have expressed interest in our services.
Your browser may allow you to block, delete, or restrict cookies. Disabling certain cookies may affect Website functionality.
Where required by applicable law, we will provide additional cookie choices or recognize applicable browser-based privacy preferences.
5. EMAIL AND TEXT MESSAGE COMMUNICATIONS
You may unsubscribe from marketing emails by using the unsubscribe link contained in the communication or by contacting us.
Even if you opt out of marketing communications, we may continue to send non-marketing communications relating to appointments, client service, transactions, or other matters necessary to our relationship with you.
Text Messages
If you provide your mobile telephone number and affirmatively opt in to receive text messages from Safe Harbor Financial Group, we may send text messages regarding matters such as:
Appointment scheduling and reminders
Seminar or event registrations and confirmations
Upcoming educational or client events
Office or service updates
Information about products or services where permitted by law
Message frequency may vary. Message and data rates may apply.
Consent to receive marketing text messages is not a condition of purchasing any product or service.
You may opt out of text messages at any time by replying STOP or by otherwise contacting us and requesting that text communications stop. You may reply HELP for assistance.
We will process opt-out requests in accordance with applicable law. A confirmation message may be sent after an opt-out request.
Wireless carriers are not responsible for delayed or undelivered messages.
6. FINANCIAL AND INSURANCE INFORMATION
As an insurance and retirement-planning business, Safe Harbor Financial Group may receive nonpublic personal information in connection with providing financial or insurance products or services.
Information received in connection with an actual or prospective client relationship may be subject to additional federal and state financial privacy requirements and separate privacy notices.
We use and disclose such information only as permitted or required by applicable law and as reasonably necessary to provide requested services.
7. DATA SECURITY
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure.
Access to personal information is limited as appropriate to individuals and service providers who require access for legitimate business purposes.
However, no Internet transmission, electronic communication, or information storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted to or maintained by us.
8. DATA RETENTION
We retain personal information for as long as reasonably necessary to:
Provide requested services
Maintain client and business records
Comply with legal, insurance, regulatory, and recordkeeping obligations
Resolve disputes
Prevent fraud
Enforce agreements
Protect our legal rights
Retention periods vary depending on the type of information and the purpose for which it was collected.
We may retain aggregated or de-identified information that does not reasonably identify an individual.
9. YOUR PRIVACY CHOICES AND RIGHTS
Depending on where you reside and applicable law, you may have certain rights regarding your personal information. These rights may include the ability to:
Request information about personal information we maintain about you
Request access to certain personal information
Request correction of inaccurate information
Request deletion of certain information
Request restrictions on certain uses or disclosures
Opt out of certain marketing communications
Withdraw consent where processing is based on consent
These rights are subject to applicable exceptions and limitations.
To submit a privacy request, contact us using the information provided at the end of this Policy. We may need to verify your identity before fulfilling a request.
We will not unlawfully discriminate against an individual for exercising an applicable privacy right.
10. DO NOT TRACK AND BROWSER PRIVACY SIGNALS
Some browsers provide “Do Not Track” settings. Because there is not a universally accepted standard governing all Do Not Track signals, our Website may not respond to such signals.
Where applicable law requires recognition of a legally recognized browser-based opt-out preference signal, we will process such signals as required by law.
11. THIRD-PARTY WEBSITES
Our Website may contain links to third-party websites, including insurance carriers, social media platforms, event venues, or other resources.
We are not responsible for the privacy, security, content, or practices of websites that we do not operate. We encourage you to review the privacy policies of third-party websites before providing them with personal information.
12. CHILDREN'S PRIVACY
Our Website and Services are intended for adults and are not directed to children under 13.
We do not knowingly collect personal information online from children under 13. If we learn that we have collected such information without appropriate authorization, we will take reasonable steps to delete it.
13. CHANGES TO THIS PRIVACY POLICY
We may revise this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or Services.
When we make changes, we will update the “Last Updated” date at the top of this Policy. Material changes may also be communicated through the Website or another appropriate method where required by law.
Your continued use of our Website following an update is subject to the revised Privacy Policy.
14. CONTACT US
If you have questions about this Privacy Policy or would like to submit a privacy-related request, please contact:
Safe Harbor Financial Group, Inc.
201 East First Avenue
P.O. Box 200
Deer Creek, IL 61733
Phone: (309) 696-9333
Email: rjthurmond.safeharbor@gmail.com
Website: www.safeharborfinancialgrp.com
R. Joe Thurmond — Illinois Insurance License #1511963, Shelby Viguier - Illinois Insurance License #21113641
Safe Harbor Financial Group, Inc. — Illinois Insurance License #100288529