Privacy Policy

We may collect personal information you provide to us directly or through our website, including your name, mailing address, phone number, email address, date of birth, financial and insurance information, and any communications you have with us such as text messages, call notes, voicemails, and timestamps.

We may also collect limited technical information, such as your IP address and browser type, when you visit our website.

We use your information to provide financial planning, investment advisory, insurance, Medicare, and related services; to schedule and conduct meetings; and to communicate with you by phone, email, or text message.

We also use your information to comply with applicable legal, tax, and regulatory obligations, to maintain records, and to improve our services. We do not use your information for any purpose unrelated to the services you have requested or that we have agreed to provide.

By providing your mobile phone number to us, you expressly consent to receive SMS/text messages from Protective Wealth Advisors.

Categories of messages may include appointment reminders and confirmations, account-related notifications, document or signature requests, customer service responses, and other communications related to the services you have engaged us to provide.

• Message frequency varies based on your account activity and ongoing engagement with us.
• Message and data rates may apply based on your wireless carrier and plan.
• You may opt out at any time by replying STOP to any message you receive from us. You will receive a one-time confirmation message and will not be sent further messages unless you opt back in.
• For help, reply HELP, or contact us using the information in Section 11 below.
• Carriers are not liable for delayed or undelivered messages.

No mobile information, including phone numbers and SMS opt-in consent, will be shared with third parties or affiliates for marketing or promotional purposes.

Information sharing with subcontractors that support our text-messaging services, for example our SMS platform provider, is limited solely to providing the messaging services you have consented to receive, and these vendors are contractually obligated to maintain the confidentiality of your information.

Outside of the SMS-specific restriction above, we may share your personal information only as necessary to provide our services and operate our business.

This may include sharing information with custodians, broker-dealers, insurance carriers, and product sponsors involved in your accounts; with service providers and software vendors that support our operations under appropriate confidentiality obligations; with regulators, auditors, or law enforcement when required by law; and with other parties when you direct us to do so.

We do not sell your personal information.

We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.

These safeguards include encrypted storage, restricted employee access, multi-factor authentication on key systems, and ongoing security training. While no system can be guaranteed to be completely secure, we work continuously to maintain the integrity of your information.

We retain your personal information for as long as is necessary to deliver our services, to maintain our client relationship, and to comply with applicable legal, tax, accounting, and regulatory recordkeeping requirements.

When information is no longer required for these purposes, we will dispose of it in a secure manner.

Our website may use cookies and similar technologies to support basic site functionality, remember your preferences, understand how visitors use the site, and improve the website experience.

We may also use analytics tools, including Google Analytics, to collect aggregated information about website traffic, referring pages, device type, and general usage patterns. These tools do not give us access to your private financial account information.

You can adjust your browser settings to block or delete cookies. Some parts of the website may not function as intended if cookies are disabled.

Subject to applicable law, you may request to access, correct, update, or delete the personal information we maintain about you.

You may also withdraw your consent to receive SMS messages at any time by replying STOP. To exercise any of these rights, please contact us using the information in Section 11. We will respond within a reasonable time and in accordance with applicable law, and we may need to retain certain information to meet our regulatory obligations.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law.

When we do, we will revise the “Effective Date” above and post the updated Policy on our website at www.protectivewealthadvisors.com. Your continued use of our services after the Effective Date constitutes acceptance of the updated Policy.