Privacy Policy

 

  • At Fifth Element Financials, we understand that trust is the foundation of every financial relationship. When you share your personal or financial information with us, you place confidence in our ability to handle that information responsibly, securely, and with care. We are committed to protecting your privacy and maintaining high standards for the collection, use, and safeguarding of your information.

    We do not sell your personal information or share it with third parties for their independent marketing purposes. We also respect the confidentiality of your relationship with Fifth Element Financials, including whether you are a current or prospective client.

    We use the information you provide primarily to deliver the financial education, insurance-related services, consultations, and resources you request; evaluate your financial needs and goals; communicate relevant products and services that may be of interest to you; process applications or transactions; and meet applicable legal, regulatory, and recordkeeping requirements.

    When necessary, we may share information with insurance carriers, service providers, or other authorized parties to facilitate the services you request or as required by law. We take reasonable steps to ensure that your information is handled responsibly and in accordance with applicable privacy and data-protection requirements.

    Your financial journey is personal. Protecting your information is an important part of the trust you place in Fifth Element Financials.

  • To better understand your financial needs, goals, and circumstances, you may choose to share personal and financial information with Fifth Element Financials when requesting educational resources, financial consultations, insurance guidance, or related services. This information helps us understand your objectives and provide relevant information, recommendations, and solutions based on the services you request.

    In addition to the information you provide directly, we may receive information from third parties, such as insurance carriers, financial service providers, business partners, or other sources, when you authorize them to share information with us or when otherwise permitted by applicable law. We may use this information to verify your identity, support application processing, prevent fraud, assess eligibility for certain products or services, and better understand which financial and insurance solutions may align with your needs.

    Depending on the services you request, the personal and financial information we collect may include, but is not limited to, your name, mailing address, email address, telephone number, Social Security number or taxpayer identification number, date of birth, employment information, income, assets, liabilities, financial goals, insurance needs, and other information relevant to evaluating or providing the requested services.

    We collect only the information reasonably necessary to support our business operations, respond to your requests, provide the services you seek, and meet applicable legal, regulatory, and recordkeeping obligations.

  • Fifth Element Financials respects the privacy of our current and prospective clients. We do not sell personal or financial information about our clients, former clients, or their accounts to third parties. We also do not share mobile phone numbers or text messaging opt-in information with third parties or affiliates for their marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except as necessary to provide the messaging services you have requested or as required by law.

    We do not disclose personal or financial information about our clients or prospective clients except as necessary to provide requested services, facilitate transactions, support our business operations, or comply with applicable legal and regulatory requirements. For example:

    • To facilitate requested services and transactions: When you request financial or insurance-related services, we may need to share certain identifying or financial information with insurance carriers, financial service providers, or other authorized organizations to process applications, evaluate eligibility, obtain insurance quotes, complete transactions, or fulfill your specific requests.

    • To support business operations: We may engage non-affiliated companies and service providers to perform administrative, technology, communications, data-processing, or other business functions on our behalf. When information must be shared, we limit disclosure to the information reasonably necessary for the provider to perform its assigned responsibilities. We expect these providers to protect the confidentiality and security of your information and to use it only for authorized purposes.

    • When you authorize disclosure: We may share your information with individuals, companies, or organizations when you specifically authorize or direct us to do so, such as when requesting information from another financial institution or coordinating services with an insurance carrier.

    • To comply with legal obligations and protect against fraud: We may disclose information when required or permitted by law, regulation, court order, or governmental request, or when reasonably necessary to detect, prevent, or investigate fraud, protect our rights, or safeguard our clients and business.

    Fifth Element Financials is committed to handling your personal and financial information responsibly and limiting its use and disclosure to legitimate business purposes.

  • At Fifth Element Financials, protecting your personal information extends to all forms of communication and online interactions with our business, including email correspondence, website inquiries, online forms, and platforms operated by third-party service providers.

    We take reasonable measures to protect the personal information you share with us through our website and other digital communication channels. We may work with third-party technology providers, insurance carriers, and service platforms that use security measures such as data encryption, secure login credentials, and access controls to help safeguard your information.

    Please be aware that standard email communications may not be encrypted and may not provide the same level of security as secure online portals. For your protection, please avoid sending sensitive personal or financial information through regular email, including Social Security numbers, taxpayer identification numbers, account numbers, passwords, or other confidential information.

    When sensitive information is required to provide a requested service, we will direct you to an appropriate secure method of communication or submission, when available. Fifth Element Financials will not ask you to disclose passwords or other account login credentials through unsolicited email communications.

    We encourage you to exercise caution when sharing personal information online and to contact us directly if you have questions about the security of a communication or information request.

  • For your protection, Fifth Element Financials strongly recommends that you keep your personal information, account details, usernames, and passwords confidential. Do not share your login credentials or sensitive account information with anyone.

    If you notice suspicious activity, receive an unusual communication requesting personal or financial information, or believe your information may have been compromised, please contact Fifth Element Financials promptly so that we can address your concerns.

    Fifth Element Financials will never ask you to provide your passwords or account login credentials through unsolicited phone calls, text messages, or email communications. We encourage you to verify any questionable requests before sharing personal or financial information.

  • Fifth Element Financials is committed to keeping you informed about how we collect, use, protect, and share your personal information. We may review and update this Privacy Policy periodically to reflect changes in our business practices, services, technology, or applicable legal and regulatory requirements.

    Whenever we make material changes to this policy, we will take reasonable steps to notify you through our website, email, or other appropriate communication channels. The updated policy will include a revised effective date so you can identify when changes have been made.

    We encourage you to review this Privacy Policy periodically to stay informed about how your information is handled. If you have questions, concerns, or requests regarding your personal information or this Privacy Policy, please contact Fifth Element Financials using the contact information provided on our website.

  • Life changes can have a significant impact on your financial goals, priorities, and protection needs. Events such as marriage, the birth or adoption of a child, divorce, the loss of a spouse, a career change, retirement, a change in income, or a change in contact information may affect your financial circumstances and the strategies designed to support your future.

    We encourage you to contact Fifth Element Financials when significant life or financial changes occur. Keeping your information current allows us to better understand your evolving needs and determine whether adjustments to your financial strategies, insurance coverage, savings goals, retirement plans, or long-term financial objectives may be appropriate.

    Our goal is to help you stay informed, prepared, and financially positioned as you navigate each stage of life.