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Last Modified: November 25, 2020

Howard Bailey Financial, Inc. (the “Company,” “we,” or “us”) is committed to protecting your privacy. The Company’s goal is to treat your personal information with the utmost respect and in accordance with this Privacy Policy. Please carefully read this Privacy Policy and our Terms of Use before using the Company’s website (the “Website”). By visiting, viewing or using the Website in any manner, you agree to the terms set forth in this Privacy Policy and Terms of Use for the Website.

This policy applies to information we collect:

  • On the Website.
  • In email, text, and other electronic messages between you and us or the Website.
  • Through mobile and desktop applications you download from the Website, which provide dedicated non-browser-based interaction between you and the Website.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to the Website.

It does not apply to information collected by:

  • Us offline or through any other means; or
  • Any third party (other than our affiliates), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Information We Collect and How We Collect It

This Privacy Policy describes the types of personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII” and together with PII, collectively, “Information”) we may collect from you or that you may provide when you visit the Website, and our practices for collecting, using, maintaining, protecting and disclosing that Information. PII includes information such as your name, address, phone number, email address, social security number, and similar information. Non-PII is non-personally identifiable information and may include, for example, your zip code, IP address, browser type, domain names, access dates and similar information.

You can visit the Website without telling us who you are or revealing any information about yourself, including your email address. In this case, our web servers may collect the name of the domain you used to access the internet (e.g., aol.com) and the website you came from and visit next. This information is used by us and our business partners to measure the number of visits, average time spent, page views and other statistics about visitors to our Website in general. We also use this data to monitor the Website’s performance and to make the Website easier and more convenient to use.

There are times when we may ask you for information about yourself to assist us in meeting your various needs. In these cases, your browsing will no longer be anonymous to us. To provide these services, we may need to ask you directly to provide, among other things, your name, Social Security number, physical address, ZIP code, email address and phone number.

Please note that we do not knowingly solicit or collect information from children under 18 years of age, and we do not knowingly market our products or services to children under 18 years of age. If you are under 18 years of age, do not use or provide any information on the Website or through any of its features, register on the Website, use any of the interactive or public comment features of the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received information from a child under 18 without verification of parental consent, we will delete that information.

How We Use Your Information

We may use the Information that we collect about you or that you provide to us for any purpose, including, but not limited to:

  • Providing you with information or materials you have requested
  • Contacting you for the potential purchase of insurance or other financial products
  • Personalizing our contact with you
  • Operating, providing, improving and maintaining our Website
  • Developing new products and services
  • Preventing abusive and fraudulent use of our Website
  • Sending you administrative messages, content and other services and features in which we believe you may be interested
  • Any other administrative and internal business purposes permitted by law or described when you provide the Information

Protection of Your Information

We maintain a variety of security measures to protect against the loss, misuse and alteration of Information under our control. Although we make good-faith efforts to maintain the security of your Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining your Information. We are not responsible for and assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any Information provided to us.

Notification in the Event of Data Breach

Although we make good-faith efforts to maintain the security of your Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. In the event your PII is breached by an unauthorized party, we will comply with your applicable state law in notifying you of the breach.

Accessing or Correcting Your Information

You may access your Information collected by us by sending a request to the address listed below. If you believe that an error has been made in the accuracy of the Information collected from you, we will correct such error upon adequate verification of the error and the identity of the person seeking the correction. If you wish to access, remove or correct any PII you have supplied to us or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to: 6526 West Jefferson Blvd., Fort Wayne, IN 46804. Please understand that to protect your privacy and security, we may also need to take reasonable steps to verify your identity before granting access or making corrections.

Sharing Information and Consumer Choice

When you provide Information to us, we may share your Information, to the extent provided by applicable law, with our affiliated companies and third parties for the purpose of fulfilling your requests, as well as offering you other services that may be of interest to you. We may disclose your Information for any purpose disclosed by us when you provide the Information or with your consent. Your Information is not shared with any third party, unless requested by you or permitted or required by law. Under no circumstance will we sell your Information or transfer your information to any ad network, ad exchange, data broker or other advertising or monetization related service. We may also aggregate statistics that we gather about our customers, sales, traffic patterns and services, and provide these statistics to third parties; however, when we do, these statistics will not include any personal information that identifies individuals.

Cookies and Web Beacons

Cookies are small pieces of data stored by your internet browser on your computer's hard drive. If you are browsing, a cookie is used to help us measure the number of visits, average time spent, page views and other statistics relating to our Website. This cookie, by itself, does not reveal to us your email address or any PII. If you decide to register online with us, we may collect additional information to provide tailored offerings or content to you. In this case, we use cookies to recognize you on subsequent visits and make your online experience more convenient. You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that by not accepting cookies, you will limit the functionality we can provide you when you visit the Website.

Pages of the Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related Website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa.

Handling of ‘Do Not Track’ Signals

The California Online Privacy Protection Act (“COPPA”) provides that a website operator must:

“Disclose how the operator responds to web browser ‘do not track’ signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services, if the operator engages in that collection.”

It is important for you to know that we do not engage in the type of collection referenced in the COPPA.

Changes to This Privacy Policy

We reserve the right to modify or supplement this Privacy Policy at any time. If we make any material changes to this Privacy Policy, we will update our Website to include such changes. A notice that our Privacy Policy has been updated will be displayed on our Website homepage. The date this Privacy Policy was last revised is set forth above. You are responsible for periodically visiting our Website and this Privacy Policy to check for any changes. Your continued use of the Website after any changes are made is deemed to be an acceptance of such changes.