At Pivotal Financial Group, LLC, your privacy is important to us. to protecting the confidentiality and security of your personal information. We strongly believe in protecting your privacy. We want you to know about the information we collect and how we use it. We want you to know that:

• We do not sell or rent to anyone the information you have entrusted to us;
• We do not share your personal information with non-affiliated companies who want to market their products or services to you (except at your request or with your consent);
• We do not offer an opportunity for you to prevent or "opt-out" of information sharing since we only share personal information with others as allowed by law; and
• You do not need to contact us to benefit from our privacy protections.

To help you understand how we protect your personal information, this notice describes our current privacy policy and practices. We will advise you of our privacy policy and practices at least once a year, as required by law.

Information We May Collect and Use

So that we can provide our products and services to you, we must collect personal information. The type of information we collect depends on the products and services you are interested in and whether you are the proposed insured. For example, we may collect your name, address, and telephone number. And we may collect other information such as your health, financial, and employment history. We may also collect information to confirm your identity.

We may gather information about you from sources such as:

• Applications and required medical exams or tests;
• Written, electronic, telephone and other communications from you;
• Medical providers, consumer reporting agencies, and other companies with whom you do business;
• Your transactions with us and others, such as policy, payment and claim information.
• Loan applications including financial information for funding our carriers’ products.

We collect most information at the time of application.  However, we may need more information if you request a change to your contract or other service.

In some cases, our carriers may use an insurance support organization or an investigative consumer agency to collect information that we need. They may keep a copy of their report to us. They may also share its contents with others for whom they perform such services. These disclosures are made only as allowed by law and with appropriate authorization from you.

We believe strongly in protecting the confidentiality and security of information. Our employees are required to protect the confidentiality of information and comply with our established procedures. We restrict access to personal information to those employees who require it to provide you with products and services. We also maintain physical, electronic, and procedural safeguards to protect information which comply with all applicable laws.

You may have a special concern about the privacy of your medical information. We do not sell or rent to anyone your medical information; nor do we disclose it to others for marketing purposes. We only use and share personally identifiable medical information for the following purposes:

• to underwrite insurance;
• to administer your policy or claim; and
• for other purposes as allowed by law, such as in response to legal process.

Information We May Disclose

We treat all information in a confidential manner. We do not disclose any personal information about our clients or former clients to any non-affiliated third parties, except as required or permitted by law. We work hard to protect the information we have about you, but sometimes it is necessary for us to share your information with others. We may share personal information we have about you as allowed by law. For example, we may share your information with third parties that perform services for us, such as a third-party administrator (TPA) for our benefit plans. With your authorization, we may also, share your financial information with lending institutions for the purpose of facilitating a loan to you.

When we hire other parties to help us conduct our business, we require them to protect your personal information. Further, we do not permit them to use or share your personal information for any purpose other than the work they are doing on our behalf or as required by law.

We treat the information of our current and former customers in the same manner.