Privacy Terms Policies

1. Entity Disclosure & Scope

HFI Benefits Group is a trade name of Hackney First Insurance, LLC, an insurance agency. HFI Financial is a separate affiliated entity that provides financial advisory services and operates in compliance with applicable state and federal investment adviser regulations. Collectively, these entities may be referred to as “HFI,” “we,” “our,” or “us” where applicable. Insurance and financial advisory services are offered through separate legal entities and may be subject to different regulatory standards.

2. Information We Collect

We may collect personal information including:
• Name
• Address
• Email address
• Telephone number
• Date of birth
• Insurance application data
• Financial information
• Investment-related information
• Business information
• Device and usage data
• SMS communication data
• IP address and website analytics

Information may be collected when you:
• Submit a form
• Request a quote
• Engage advisory services
• Schedule an appointment
• Communicate via phone, email, SMS, or digital platforms
• Use our website

3. How We Use Information

We use personal information to:
• Provide insurance products and services
• Provide financial advisory services
• Respond to inquiries
• Process applications
• Service policies and accounts
• Deliver appointment confirmations
• Provide customer support
• Fulfill regulatory requirements
• Conduct lawful marketing and educational outreach
• Improve operations and technology systems

Marketing communications may be sent in compliance with applicable law. You may opt out of marketing communications at any time.

4. SMS Communications

If you provide your mobile number, you may receive one-to-one conversational and service-related SMS communications.

Message frequency varies.
Message and data rates may apply.
Reply STOP to opt out.
Reply HELP for assistance.

SMS communications may relate to insurance services or advisory services; however, trade instructions, account changes, or time-sensitive financial directives will not be executed via SMS.

5. Sharing of Information

We may share information with:
• Insurance carriers
• Broker-dealers or custodians
• Investment platforms
• Regulatory authorities
• Service providers
• Technology vendors
• Compliance consultants

We do not sell personal information or SMS opt-in data.

6. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards including secure cloud-based systems and encrypted communication platforms. No system can guarantee absolute security.

7. Regulatory Record Retention

Certain records may be retained in accordance with insurance regulations, SEC or state investment adviser regulations, and other applicable legal requirements.

8. Third-Party Technology Disclaimer

We utilize third-party technology providers for communication, CRM, cloud storage, and operational services. We are not responsible for service interruptions or security events caused by third-party platforms beyond our reasonable control.

9. Your Rights

You may request access to or correction of your information where legally permitted. Certain rights may be limited due to regulatory record retention requirements.

10. Updates

We reserve the right to modify this Privacy Policy at any time. Updates will be posted to our website.