Privacy Policy for Catalyst Financial Group LLC

Effective Date: July 22, 2025
Last Updated: July 22, 2025

At Catalyst Financial Group LLC ("we," "us," or "our"), we are committed to protecting your privacy and safeguarding your personal information. As a licensed insurance broker in Illinois specializing in life, health, and annuity products, we comply with federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and applicable NAIC models. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website (catalystfinancialgroup.us), request quotes, apply for policies, or interact with our services. By using our services, you agree to this policy.

If you have questions, contact us at [your email, e.g., info@catalystfinancialgroup.us] or [your phone number].

Information We Collect

We collect personal information to provide insurance brokerage services. This may include:

• Personal Identifiers: Name, address, email, phone number, date of birth, Social Security number.

• Financial and Insurance Data: Income, assets, credit history, policy details, claims history (nonpublic personal information under GLBA).

• Health Information: Medical history or records, with your authorization, for underwriting life or health policies.

• Online Activity: IP address, browser type, device info, and usage data via cookies or tracking tools on our site.

We gather this directly from you (e.g., forms, calls), automatically (e.g., website analytics), or from third parties like credit bureaus, medical providers, or insurers (with consent where required).

How We Use Your Information

We use your information for legitimate business purposes, such as:

• Providing quotes, issuing policies, processing claims, and servicing accounts.

• Underwriting and risk assessment for life, health, and annuities.

• Complying with legal obligations, fraud prevention, and regulatory reporting.

• Improving our services, personalizing recommendations, and sending updates (e.g., policy renewals).

• Marketing our products, but only with your consent where needed.

We do not use sensitive information (e.g., health data) beyond what's necessary for insurance services.

How We Share Your Information

We may share your information as permitted by law, including:

• With insurance carriers for underwriting and policy issuance.

• Service providers (e.g., IT support, payment processors) bound by confidentiality.

• Regulatory bodies, law enforcement, or in response to legal requests.

• Reinsurers or auditors for business operations.

We do not sell your personal information or share it with non-affiliates for their marketing. Under GLBA, you cannot opt out of sharing for essential business functions (e.g., processing your policy), but we limit sharing otherwise. To opt out of marketing communications, email us at [your email].

Data Security

We maintain reasonable safeguards to protect your information, including encryption, firewalls, access controls, and secure storage, in line with GLBA and state requirements. However, no system is foolproof—transmit data at your own risk. We retain information as long as needed for business or legal purposes.

Your Rights and Choices

• Access and Correction: Request access to or correction of your information in our files.

• Opt-Out: Limit certain sharing or marketing—contact us to discuss options under applicable laws.

• Illinois Residents: You have rights under state-adopted NAIC models; we provide notices as required.

Children's Privacy

Our services are not for children under 13. We do not knowingly collect data from minors; contact us if you believe we have.

Changes to This Policy

We may update this policy; changes will be posted here with a new effective date. Significant updates may be emailed to clients.

Contact Us

For questions or to exercise rights:
Catalyst Financial Group LLC
[Your Address, e.g., Chicago, IL]
Email: [your email]
Phone: [your phone]

​