Privacy Policy: Sovereign Financial Inc and its affiliates Sovereign Benefits and NY Group Benefits

1. Introduction
Sovereign Financial Inc dba Sovereign Benefits (“Sovereign Financial,” “we,” “our,” or “us”) is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our website, services, and SMS text messaging programs.

By providing your information or opting in to receive SMS messages, you agree to the practices described in this Privacy Policy.

2. Information We Collect
We may collect the following categories of personal information:

A. Information You Provide Directly
Client Name
Mobile Phone Number
Email Address
Client Initials and Signature (for consent and authorization)
Any additional information you voluntarily provide through forms, applications, or communications with us.

B. Automatically Collected Information
When you visit our website, we may automatically collect:
IP address
Browser type
Device information
Cookies and tracking data
Usage data (pages visited, time spent, etc.)

3. How We Use Your Information
We use your information to:
Provide insurance‑related services
Communicate important updates about your benefits
Send transactional and informational SMS messages (if you opted in)
Send marketing and promotional SMS messages (only if you separately opted in)
Respond to inquiries and provide customer support
Maintain internal records
Improve our website, services, and client experience
Comply with legal and regulatory requirements

4. SMS Text Messaging Program
We offer two distinct SMS programs, each requiring separate consent:

A. Transactional & Informational Messages
If you opt in, you may receive messages such as:
Insurance updates
Renewal reminders
Benefits information
Account alerts
Important service notifications
Message frequency varies. Text STOP to cancel, HELP for help. Message and data rates may apply.

B. Marketing & Promotional Messages (Optional)
If you separately opt in, you may receive:
Exclusive offers
Promotional updates
Marketing announcements
Consent is not a condition of purchase. Text STOP to cancel, HELP for help. Message and data rates may apply.

C. Your Rights Regarding SMS Consent
You may withdraw consent at any time.
You must be the authorized user of the phone number provided.
Opting out of marketing messages does not affect your ability to receive service‑related messages (if you opted into those separately).

5. How We Share Your Information
We do not sell your personal information.
We may share your information only with:
Insurance carriers and partners necessary to provide services
Third‑party service providers (e.g., SMS platforms, email systems, secure data processors)
Legal or regulatory authorities when required by law
Professional advisors (attorneys, compliance consultants, etc.)
All third‑party partners are required to protect your information and use it only for authorized purposes.

6. Data Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.
However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention
We retain personal information only as long as necessary to:
Provide services
Maintain business records
Comply with legal and regulatory obligations

8. Your Privacy Rights
Depending on your state of residence, you may have rights such as:
Access to your personal information
Correction of inaccurate information
Deletion of your information
Opt‑out of marketing communications
Requesting a copy of your data
To exercise these rights, contact us using the information below.

9. Cookies & Tracking Technologies
Our website may use cookies, analytics tools, and similar technologies to improve functionality and user experience. You may disable cookies through your browser settings.

10. Third‑Party Links
Our website may contain links to third‑party sites. We are not responsible for the privacy practices or content of those sites.

11. Children’s Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from minors.

12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The “Effective Date” at the top will reflect the most recent version.Type your paragraph here.