Privacy Policy

LHG Financial (“LHG Financial,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, request a quote, apply to join our team, or otherwise interact with us. Please read this policy carefully. By using our website or submitting a form, you consent to the practices described here.

1. Information We Collect

We may collect the following categories of information:

• Contact & identity information such as your first and last name, email address, telephone number(s), mailing address, and date of birth.
• Insurance & financial planning details such as the state you reside in, age, health and tobacco-use information, and the type of insurance or annuity product you are interested in.
• Employment & career details such as your location, current insurance licensing status, willingness to relocate, and any additional information you choose to share when applying to join our team.
• Communications preferences & consent records including your consent to receive calls, texts, and emails, and records of your opt-in and opt-out choices.
• Technical information such as IP address, browser type, device information, and pages visited, collected automatically through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Respond to your quote request and connect you with a licensed agent to discuss IUL, Fixed Index Annuities, mortgage protection, or retirement planning options;
• Evaluate and respond to team applications and recruitment inquiries;
• Communicate with you by phone, SMS/text message, and email regarding your inquiry, application status, and related products and services, in accordance with your consent under the TCPA;
• Deliver marketing and informational communications about insurance and financial products that may interest you, where you have provided consent;
• Improve our website, marketing, and service offerings;
• Comply with applicable state and federal regulations, including FCC and TCPA recordkeeping requirements, and other legal obligations;
• Detect, investigate, and prevent fraudulent or unauthorized activity.

3. TCPA & FCC Compliance for Contact Information

Providing a telephone number is not consent to marketing text messages. Marketing texts are sent only if you check a separate optional box that is not pre-checked and is not combined with Terms, Privacy, phone-call permission, or a one-time verification message. Phone-call permission, when you check that separate box, covers calls only, including calls that may use an automatic telephone dialing system or a prerecorded voice. A one-time verification text or call is a service message you request. It is not marketing SMS consent. These practices follow the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and the FCC rules at 47 C.F.R. §§ 64.1200 et seq. Marketing text consent is not a condition of any purchase, quote, or emailed report. Message and data rates may apply, and message frequency may vary.

LHG Financial maintains internal Do-Not-Call lists and honors opt-out requests in accordance with FCC and FTC requirements. We retain records of your consent and opt-out choices to demonstrate compliance with applicable law. We do not place marketing calls or send marketing texts to numbers on the National Do Not Call Registry unless an established business relationship exists or you have provided prior express written consent.

Opt-out and unsubscribe. You may withdraw your consent and stop receiving marketing communications at any time by: (a) replying “STOP” to any text message; (b) replying “UNSUBSCRIBE” to any marketing email; (c) clicking the unsubscribe link in any marketing email; or (d) calling us at (775) 307-8400 or emailing support@lhgfinancial.com and requesting removal from our contact lists. We will process your request within 10 business days. Opting out of marketing communications will not affect communications necessary to service an existing insurance policy or application.

SMS terms. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out. Reply HELP for assistance, or call (775) 307-8400 or email support@lhgfinancial.com. Consent to receive calls or texts is not a condition of receiving an emailed Financial Score report, a quote, or any purchase.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. SMS consent and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

4. Cookie Usage & Tracking Technologies

Our website uses cookies and similar tracking technologies to operate properly, remember your preferences, and understand how visitors use our site. Cookies are small text files stored on your device. We use:

• Essential cookies needed for core website functionality;
• Analytics cookies that help us understand site traffic and user behavior so we can improve content and layout;
• Preference cookies that remember choices you have made while browsing.

You can control or disable cookies through your browser settings. Disabling cookies may affect certain website features, but the site will remain accessible.

5. How We Share Information & Third-Party Integrations

We do not sell your personal information. We may share information with:

• Licensed insurance carriers and partners (such as Americo, Athene, National Life, Transamerica, F&G Life, and Mutual of Omaha) when necessary to provide a quote or process an application you have requested;
• Service providers who support our website, communications, and business operations, and who are contractually obligated to protect your information;
• Regulators or government authorities when required by law, subpoena, or to protect the rights, safety, or property of LHG Financial or others;
• A successor entity in the event of a merger, acquisition, or sale of business assets, subject to the same privacy commitments described here.

Third-party integrations. To deliver and manage our communications and services, LHG Financial integrates with the following third-party providers, each of which processes information under its own privacy policy and applicable law:

• Twilio, used to place telephone calls and send SMS text messages to you in connection with your inquiry or application, in accordance with your TCPA consent;
• Slate, used as our customer relationship management (CRM) and lead management platform to store, organize, and track your contact information and communications;
• Google, Microsoft, and Apple calendar and email services, used by our agents and managers, with their own authorization, to schedule appointments and sync communications related to your inquiry.

We share only the information necessary for these providers to perform their functions on our behalf, and we require them to safeguard your information consistent with applicable law. Service providers who send a text or place a call at our direction are not permitted to use your mobile information for their own marketing.

No sharing of mobile information for marketing. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. SMS consent and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes. We do not sell, rent, or trade mobile numbers or SMS opt-in data.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction, including secure data storage, encryption in transit, and restricted access to submitted form data. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, respond to your inquiry, satisfy applicable insurance recordkeeping, FCC and TCPA consent-record, and regulatory requirements, and resolve disputes. When information is no longer needed, we take reasonable steps to securely delete or anonymize it.

8. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your personal information, subject to legal and regulatory retention requirements;
• Opt out of the sale or sharing of your personal information for targeted advertising;
• Withdraw consent to marketing calls, texts, and emails at any time using the opt-out methods in Section 3;
• Request a copy of the information you have provided to us.

To exercise any of these rights, contact us using the information at the bottom of this page. We will respond within a reasonable timeframe and in accordance with applicable law.

9. Children’s Privacy

Our website and Services are intended for individuals who are at least 18 years of age. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

10. Compliance With Financial Services Regulations

As a licensed insurance agency, LHG Financial handles certain information in accordance with applicable state insurance privacy regulations, including rules modeled on the NAIC Insurance Information and Privacy Protection Act where adopted by our licensing states. We maintain safeguards consistent with industry standards for the protection of nonpublic personal and financial information collected in connection with insurance and annuity products.

11. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. The “Last Updated” date at the top of this page reflects the most recent revision. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy, how we handle your information, or wish to opt out of marketing communications or exercise your privacy rights, please contact us at support@lhgfinancial.com or call (775) 307-8400. Our mailing address is 4625 W. Nevso Dr, Ste 2&3, Las Vegas, NV 89103.