Information We Collect

      A. Information You Provide Directly When you interact with Highbred Partners, you may provide:

• Contact Information:Name, address, phone number, email address

• Preferred communication methods

• Financial Information: Income details, assets, liabilities

• Current insurance policies and coverage amounts Beneficiary designations

• Banking information for premium payments

• Investment account information (for coordination purposes)

• Business financial information (for business owner clients)

• Personal Background:Date of birth, Social Security Number (required for insurance applications)

• Marital status, dependents, family structure

• Health information (required for insurance underwriting)

• Employment information, occupation details

• Estate planning goals and family legacy intentions

• Business Information (for Business Owner Clients):Business structure, ownership percentages Employee information (for benefits coordination)Business valuation and financial performance Partnership agreements and buy-sell arrangements

• Succession planning intentions

• Communication Records: Emails, text messages, phone call notes Meeting notes and consultation records Recorded calls (with your consent, when applicable)
  
  B. Information We Collect AutomaticallyWhen you visit our website (highbredpartners.com):

• Technical Information: IP address, browser type, device information Pages visited, time spent on site, referring websites, Cookies and similar tracking technologies (see Cookie Policy below)

• Analytics Data: Website usage patterns to improve user experience Form completion rates and navigation patterns
  
  C. Information We Receive from Third Parties We may receive information about you from:

• Preferred Network Specialists: Estate planning attorneys, CPAs, financial advisors, business attorneys, and other specialists in our network share information relevant to coordinating your complete plan (only with your authorization)

• Insurance Carriers: Application status, underwriting decisions, policy details Claims information, premium payment history Credit and Background Check Services: For insurance underwriting purposes only, when required by carriers.

• Public Records: Business filings, property records, professional licenses (when relevant to planning)

• Professional Referral Sources: Basic contact information when you're referred by another professional
  
  
  2. How We Use Your Information
  A. We use your personal information for the following purposes:

• Providing Our Core Services Legacy Planning Coordination: Assessing your needs, developing recommendations, coordinating specialist engagements, Insurance Services: Analyzing coverage needs, obtaining quotes, submitting applications, servicing existing policies.

• Specialist Coordination: Sharing relevant information with attorneys, CPAs, advisors, and other network partners to ensure integrated planning.

• Business Planning Services: Coordinating business valuation, succession planning, employee benefits, and exit strategies

• Ongoing Account Management: Annual reviews, policy servicing, plan updates, proactive outreach
  B. Communication and Client Service.

• Responding to your inquiries and requests

• Scheduling appointments and sending reminders

• Providing policy updates, renewal notices, and important information

• Sending newsletters, educational content, and planning insights (you can opt out anytime)

• Conducting client satisfaction surveys
  3. Legal and Compliance Obligations 

• Complying with insurance regulations and licensing requirements

• Maintaining required records for regulatory examinations

• Preventing fraud, money laundering, and other illegal activities.

• Responding to legal process (subpoenas, court orders, regulatory requests)
  C. Business Operations and Improvement

• Analyzing service effectiveness and client outcomes

• Training team members (when we have staff)Improving our website, processes, and service delivery

• Managing network partner relationships and quality assurance
  D. Marketing (Only With Your Consent)

• Sending information about new services or planning opportunitiesInviting you to educational workshops or events.

• Sharing relevant planning insights and market updates (You can opt out of marketing communications at any time by clicking "unsubscribe" in any email, texting STOP to any text message, or contacting us directly).
  
  5. How We Share Your Information 
  A. Within the Highbred Partners Preferred Network Information sharing is critical to our coordination model. When you engage Highbred Partners, you authorize us to share relevant information with specialists in our Preferred Network who are working on your plan.

• For example: Sharing your estate planning goals with our network attorney drafting your trust, providing your income and tax situation to our network CPA for tax planning coordination. Discussing your insurance coverage with your financial advisor to ensure portfolio integration. Sharing business financial information with business valuators, business attorneys, or employee benefits specialists.
  Important Protections:✓ Need-to-Know Basis Only: We share only information relevant to each specialist's role

• Contractual Requirements: Every Preferred Network partner signs agreements requiring them to: Maintain confidentiality of your information Use it only for your planning purposes and Comply with this Privacy Policy. They are to implement appropriate security safeguards, Return or destroy information upon request.

• Your Control: You can specify if certain information should NOT be shared with particular specialists.

• Our Preferred Network is Still Growing: As we add specialists to our network, they will be required to comply with this Privacy Policy before receiving any client information.
  B. With Insurance Carriers and Underwriters when you apply for insurance coverage, we must share information with: Insurance companies processing your application, Medical underwriters evaluating your health information, Reinsurers (in some cases for large policies)Medical Information Bureau (MIB) as required by industry practice. These entities have their own privacy policies and are regulated by state insurance departments and federal laws (including HIPAA for health information).
  C. With Service Providers; We may share limited information with vendors who help us operate:

• Technology Providers: CRM systems, email platforms, website hosting, document storage (e.g., Google Workspace, Wix, secure cloud storage)

• Payment Processors: For processing coordination fees and premium payments Professional Services: Attorneys, accountants, compliance consultants advising our business

• Marketing Tools: Email marketing platforms, analytics services (analytics data is anonymized)
  All service providers are contractually required to maintain confidentiality and use your information only for the services they provide to us.
  D. For Legal Reasons, We may disclose your information when required by law or to protect rights: Complying with subpoenas, court orders, or regulatory requests. Cooperating with law enforcement investigations. Protecting against fraud or illegal activity. Defending legal claims or enforcing our agreements. Protecting the safety of individuals or the public.
  E. Business Transitions If Highbred Partners is sold, merged, or transferred to another entity:Your information may be transferred as part of that transaction. The new entity would be required to honor this Privacy Policy. We would notify you of any such change and your options
  F.  With Your Explicit ConsentWe may share your information in other circumstances only with your clear, affirmative consent.
  
  6. We Will NEVER Sell Your Information. 
  This is a firm commitment: Highbred Partners will NEVER sell, rent, or trade your personal information to third parties for their marketing purposes. Your information is not a commodity. It's private, and we treat it that way. The only sharing we do is: What's necessary to coordinate your planning (with your authorization), What's required by law or regulation. What you explicitly consent to.
  
  5. How We Protect Your Information 
  We implement reasonable security measures to protect your personal information:

• Technical Safeguards: Encryption:

• Sensitive data transmitted via secure, encrypted connections (SSL/TLS)Secure Storage:

• Documents stored in password-protected, encrypted cloud systems

• Access Controls: Limited access to information based on job function and need-to-know

• Software Security: Regular updates, firewalls, antivirus protection

• Physical Safeguards: Locked file cabinets for physical documents.

• Secure office access controls. Proper disposal of documents (shredding when no longer needed)

• Organizational Safeguards: Confidentiality agreements with all team members (as we grow)Privacy training for anyone handling client information Network partner contractual obligations Regular security policy reviews and updates
  
  Important Limitation:No system is 100% secure. While we implement industry-standard protections, we cannot guarantee absolute security. We will notify you promptly if we become aware of any unauthorized access to your information, as required by applicable law.
  
  Your Responsibility:

• Use strong passwords for any online access we provide

• Don't share login credentials

• Be cautious of phishing emails claiming to be from us (we'll never ask for sensitive info via email)

• Keep your contact information current so we can reach you about security matters
  
  6. Your Privacy Rights and Choices
  A. You have significant control over your personal information:

• Access and Correction Right to Access: You can request a copy of the personal information we hold about you, Right to Correct: You can request corrections to inaccurate or incomplete information How to Request: Contact us at Bryant.Rock@highbredpartners.com or (845) XXX-XXXXB.

• Marketing Opt-Out Unsubscribe from Emails: Click "unsubscribe" in any marketing email Opt Out of Texts: Reply STOP to any text message, Opt Out of Calls: Tell us during any call, or send written request Note: You cannot opt out of service-related communications (policy notices, appointment confirmations, etc.)

• Limit Information Sharing, Restrict Network Sharing: You can specify that certain information not be shared with particular network specialists (though this may limit our ability to provide coordinated planning)

• Request: Submit in writing via email or letter

• Data Portability Transfer Your Information: You can request your information in a portable format to transfer to another provider.

• Timeline: We'll fulfill reasonable requests within 30 days

• Deletion Requests Right to Request Deletion: In some circumstances, you can request we delete your personal information.

  • ​Limitations: We may need to retain certain information for: Legal and regulatory compliance (insurance records typically must be kept 7+ years) Defending legal claims Fulfilling contractual obligations Completing transactions you've requested

• How to Request: Contact us in writing
  
  B. State-Specific Privacy Rights

• Depending on where you live, you may have additional rights: California Residents (CCPA/CPRA): Right to know what personal information we collect

• Right to know whether we sell or share personal information (we don't sell)

• Right to opt out of sales (not applicable - we don't sell)

• Right to deletion (with exceptions noted above)

• Right to non-discrimination for exercising your rights

• Other States: Additional privacy laws are emerging. Contact us to understand rights specific to your state.To Exercise Your Rights: Email bryant.rock@highbredpartners.com with your request. We may need to verify your identity before fulfilling certain requests.
  
  7.  How Long We Keep Your Information. 

• We retain your information for different periods based on: Active Client Relationships: Throughout our engagement and for the duration you remain a client.

• Regulatory Requirements: Insurance records must typically be retained for 7+ years after relationship ends (varies by state)

• Legal Requirements: Some documents must be kept longer if involved in claims or legal matters

• Business Needs: Reasonable period for business operations, defending claims, and service improvement

• After Required Retention Periods: We securely delete or destroy information no longer needed, unless you request otherwise or we have a legitimate business reason to retain it.
  A. Children's Privacy Highbred Partners does not knowingly collect personal information from children under 13. Our services are designed for adults. If we discover we've inadvertently collected information from a child under 13, we will delete it promptly.

• ​Note: We do collect information about minor children when relevant to clients' legacy planning (e.g., dependent information for insurance applications, trust beneficiary details), but we collect this from parents/guardians, not directly from minors.​​​​​​​​
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  9. Cookies and Website Tracking.

• What Are Cookies? Cookies are small text files stored on your device when you visit our website. They help us understand how you use our site and improve your experience.
  Types of Cookies We Use:

• Essential Cookies (Required): Enable basic site functionality, Remember your preferences during your visit, Ensure security features work properly

• Analytics Cookies (Optional):Google Analytics (or similar) to understand site usageHelp us improve navigation and content Data is anonymized and aggregated.

• Marketing Cookies (Optional): Track effectiveness of our advertising (if we run ads) Remember if you've visited our site before Used for retargeting campaigns (if applicable)
  Your Cookie Choices: Browser Settings: Most browsers let you block or delete cookies Opt-Out Tools: You can opt out of Google Analytics via browser extension

• Impact: Blocking cookies may affect site functionality. We do NOT use cookies to:

  • Track you across other websites (unless you've clicked our ads)

  • Collect sensitive personal information

• Share your browsing data with third parties for their purposes
  
  10. External Links. Our website may contain links to third-party websites (e.g., carrier websites, educational resources, network partner sites).

• We are NOT responsible for: Privacy practices of external sites, content or security of linked websites. Data collection by third parties.

• Before providing personal information to any external site, review their privacy policy.
  
  11. Changes to This Privacy Policy
  We may update this Privacy Policy periodically to reflect: Changes in our business practices New legal or regulatory requirements Feedback from clients or regulators Technology changes.

• When We Update This Policy: We'll update the "Last Updated" date at the top.

• For material changes, we'll notify you via email or prominent website notice

• Continued use of our services after changes indicates acceptance.

• We encourage you to review this policy periodically to stay informed about how we protect your information.
  
  12. Questions, Concerns, or Complaints

• We take your privacy seriously. If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices:
  Contact: Bryant Rock
  Email: bryant.rock@highbredpartners.com. 

• We will, Respond to your inquiry within 5 business days Investigate any complaints thoroughly. Work with you to resolve concernsIf you're not satisfied with our response, you may file a complaint with: Your state's Insurance Department (for insurance-related issues)Your state's Attorney General (for consumer protection issues)Federal Trade Commission (FTC) at ftc.gov/complaint13.

• Insurance-Specific Privacy Notice (Required)Federal and state laws require us to provide additional privacy notices regarding insurance transactions. When you apply for insurance, we will provide you with:Notice of Information Practices: Explaining how insurance carriers use your informationHIPAA Notice (if applicable):

• For health insurance transactions State-Specific Notices: As required by your state's insurance laws. These notices are separate from this Privacy Policy and will be provided at the time of insurance application.
  
  14. California Consumer Privacy Act (CCPA) AddendumFor California Residents:

• Categories of Personal Information We Collect: Category, Examples Collected? Identifiers Name, address, email, SSNYesFinancial Information, Bank accounts, income, assets, Health Information, Medical history, prescriptions (for insurance) Professional Information, Employment, occupation, income.

• Sources of Information: Directly from you From your interactions with our website From Preferred Network specialists (with your authorization)From insurance carriers, From public records, Business Purposes for Collection: Providing legacy planning coordination services, Insurance placement and servicing. Specialist coordination.

• Legal compliance Service improvement Categories of Third Parties We Share With: Preferred Network specialists (with authorization) Insurance carriers, Service providers, Legal/regulatory authorities (when required). We Do NOT Sell Personal Information.

• Highbred Partners does not sell personal information as defined by CCPA.

• Your California Rights: Right to Know: Request what personal information we've collected. Right to Delete: Request deletion (with legal exceptions). Right to Opt-Out of Sales: Not applicable - we don't sell. Right to Non-Discrimination:
  
  We won't discriminate for exercising rightsTo Exercise Rights: Email bryant.rock@highbredpartners.com with "California Privacy Request" in subject line. Response Timeline: We'll respond within 45 days (may extend to 90 days for complex requests).
  
  15. Contact Information & Policy Acknowledgment 
  Highbred Partners Bryant Rock, Founder, Newburgh, New York 12550, Email: bryant.rock@highbredpartners.com Phone: (845)-536-2062
  Website: highbredpartners.com
  Business Hours: Monday-Friday, 9:00 AM - 6:00 PM EST
  By engaging Highbred Partners' services, using our website, or providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy.
  
  Last Updated: 03/02/2026
  Effective Date: 03/02/2026