Summit Global Financial, LLC
Summit Global Financial, LLC (“SG Financial,” “we,” “us,” or “our”) respects the privacy of individuals who inquire about or obtain insurance products and services through us. This Notice describes the personal information we collect, how we use and disclose it, and how we safeguard it. It applies to individuals who seek or obtain insurance products or services from SG Financial for personal, family, or household purposes, including former customers as described below.
1. Information We Collect
We may collect nonpublic personal information directly from you, your representatives, and other sources in connection with an application, insurance transaction, or ongoing service relationship. Depending on the product and circumstances, that information may include your name, address, telephone number, email address, date of birth, Social Security or taxpayer identification number, employment and income information, assets, financial objectives, existing insurance coverage, beneficiary information, payment information, and transaction history.
For life, long-term care, or other insurance products involving underwriting or benefit determinations, we may also receive medical, health, or related information, including information from applications, insurers, medical professionals, or authorized underwriting sources, where permitted by law and appropriate authorization.
We may receive information about your transactions with us, insurance carriers, and service providers, and information obtained in connection with verifying identity, evaluating insurance needs, processing applications, or servicing policies. Our website may collect limited technical information such as device and browser information and website usage data through standard website technology.
2. How We Use Information
We use personal information to respond to inquiries; assess insurance needs and suitability; obtain insurance illustrations and quotations; submit, process, and underwrite applications; arrange insurance coverage; service policies and claims; communicate with you; prevent fraud; maintain records; comply with legal requirements; and administer our business. We may also use relevant information to coordinate financial and insurance planning with other Summit Global affiliates when appropriate and permitted by law.
3. When We Share Information
We may share nonpublic personal information with insurance companies, insurance marketing and distribution organizations, underwriting providers, medical information providers, administrators, technology and processing vendors, professional advisers, regulators, and other parties when reasonably necessary to provide or service a requested product or service, perform functions on our behalf, prevent fraud, protect against unauthorized transactions, or comply with law. Such disclosures are made subject to applicable confidentiality, privacy, and other legal requirements.
SG Financial is affiliated through common ownership with Summit Global Investments, LLC and other Summit Global companies. We may share information with these affiliates as permitted by applicable law to coordinate requested services, maintain and service customer relationships, administer operations, and identify appropriate solutions. Where a law requires notice, authorization, or an opportunity to opt out of particular affiliate sharing or marketing uses, we will comply with that requirement.
We do not disclose your nonpublic personal financial information to unaffiliated third parties for their independent marketing purposes except as permitted by law and, where required, with your authorization. We do not sell nonpublic personal financial information to unaffiliated third parties. If our sharing practices change in a manner requiring additional notice or an opportunity to opt out, we will provide the required notice and choice before the change applies.
4. Health and Medical Information
We treat nonpublic personal health information separately from ordinary financial information. We disclose health information only as permitted by applicable insurance privacy law, including pursuant to an appropriate authorization when required, or where another legal exception applies. An authorization, when required, will identify the relevant information, recipients, purposes, duration, and applicable revocation rights. We do not use health information for unrelated marketing without any legally required authorization.
5. Your Privacy Choices and Rights
Certain disclosures and uses of nonpublic personal information may require your consent or give you the right to limit sharing, depending on the law that applies and the purpose of the disclosure. When an opt-out right applies, we will explain the information involved, the parties and purposes of sharing, and how to exercise that right before making the covered disclosure.
You may contact us to request a copy of this Notice, ask questions about information we maintain, or exercise rights to access or correct information where available under applicable law. Depending on the applicable law, certain information may be exempt from access or correction. You may also have additional privacy rights under the law of your state of residence.
6. How We Safeguard Information
We maintain administrative, technical, and physical safeguards reasonably designed to protect personal information from unauthorized access, use, or disclosure. Access is limited to individuals and service providers who need the information for legitimate business purposes, subject to appropriate controls. We retain information as necessary for business, regulatory, and legal purposes and dispose of it in accordance with applicable requirements.
7. Former Customers
Our privacy practices described in this Notice continue to apply to nonpublic personal information about former customers, including information we retain to service policies, maintain records, and meet legal obligations.
8. Website and External Links
Our website may contain links to websites operated by insurers, affiliated companies, and unrelated third parties. Their privacy practices may differ from ours. Please review their privacy notices when visiting those sites. Any online tools, analytics, or cookies used on our website should be addressed by the applicable website disclosures and choices.
9. Changes to This Notice
We may update this Notice to reflect changes in our information practices or legal requirements. We will post the current version on our website and provide additional or revised notices when required by applicable law.
10. Contact Information
Summit Global Financial, LLC
95 South State Street
Salt Lake City, UT 84111
Telephone: 888-251-4847
Email: [email protected]
Website: www.sgifn.com
