1. Our Commitment to Your Privacy

At MacKay Endeavors LLC doing business as VerityPath Finance (“VerityPath Finance,” “we,” “us”), we value and respect your privacy. We comply with the Gramm–Leach–Bliley Act (GLBA), the FTC Safeguards Rule, and applicable Florida insurance privacy laws, including Florida Statutes § 626.9651.

This Privacy Policy explains how we collect, use, share, and protect your nonpublic personal information (“NPI”) and other personal data when you interact with us online, offline, or through any services we provide.

VerityPath Finance communicates with clients and prospects in accordance with the Telephone Consumer Protection Act (TCPA), Florida telemarketing laws, and other applicable regulations. We only send text messages to individuals who have provided prior express written consent, and you may opt out at any time by replying “STOP” to any message or by contacting us directly.

2. Delivery of Privacy Notices

We provide you with an initial privacy notice at the start of our customer relationship and an annual privacy notice thereafter, as required by law, unless you qualify for an exception. Notices may be delivered in person, by mail, or electronically if you have agreed to electronic delivery.

3. Information We Collect

We collect both NPI and personal data in the course of providing financial and insurance services, including but not limited to:

3.1 NPI and Financial Profile Data

Information you provide on applications, forms, or other communications (such as name; address; Social Security number; driver’s license, state ID, passport, or other government-issued identification; and financial account information).

Information related to your financial profile and goals, such as:

*Total amounts in retirement and investment accounts

*Outstanding debts and liabilities

*Other assets and income sources

*Your stated financial objectives, timelines, and risk tolerance

We collect and verify identification information in compliance with applicable anti-money laundering (AML) and Know Your Customer (KYC) regulations.

3.2 Health Information Handling

Health information required by insurance carriers to process applications. This information is entered directly into the carrier’s secure application system and may also be included in the completed application forms that are attached to issued policy records we retain. We do not extract, index, or store health information in any separate database, and it is not used for marketing or profiling outside of the original product or service engagement.

Health Information Notice

VerityPath Finance may collect limited health information as part of the insurance application process. We are not a “covered entity” or “business associate” under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Accordingly, HIPAA does not apply to us. However, we safeguard all such information in compliance with the Gramm–Leach–Bliley Act (GLBA), the FTC Safeguards Rule, and applicable Florida insurance privacy laws.

3.3 Special Handling of Sensitive Data

We do not store full Social Security numbers in our databases. When we retain policy documents containing Social Security numbers, we mask all but the last four digits in any copies we generate internally. We may securely retain a copy of a customer’s driver’s license or other government-issued identification for verification purposes, in compliance with applicable laws. All records containing NPI, including financial and health information contained in policy application documents, are stored using administrative, technical, and physical safeguards designed to prevent unauthorized access.

3.4 Customer Account Data

When you purchase or are granted access to our client or agent portals, you will create a secure account. We collect only the information necessary to provide access and maintain your account, such as your name, email address, and login credentials. We may also track your portal activity (such as completed lessons, downloaded resources, or participation in programs) to improve your experience and ensure compliance with training requirements. For your security, we cannot view your password.

3.5 Shared Public Content

VerityPath Finance maintains branded social media accounts and may offer online spaces where clients or agents can interact, share ideas, and participate in discussions. Any information you choose to share in these spaces becomes public and is not treated as confidential NPI. We recommend you avoid sharing personal financial or sensitive information in public forums. Interactions on third-party platforms (such as Facebook or LinkedIn) are also subject to the privacy policies of those platforms.

3.6 Forms and Surveys

We may collect information through forms or surveys on our website or portals, or via secure third-party services, to better understand your needs, measure satisfaction, or gather feedback. Participation is always voluntary, and you may choose not to provide certain information. Data collected in this way is treated according to this Privacy Policy.

3.7 Website Tracking and Cookies

Like many websites, we collect certain information automatically through log files, cookies, and web beacons. This may include IP addresses, browser type, ISP, date/time stamp, referring/exit pages, and clickstream data. We use this information to:

*Analyze trends and improve site performance

*Customize your experience

*Deliver relevant advertising

We may work with third-party advertising networks (such as Google or Facebook) that use cookies to deliver tailored ads. You can manage your cookie preferences in your browser settings.

We do not use NPI for targeted advertising. Any advertising cookies are limited to general website usage data and do not contain sensitive financial or health information.

3.8 Children’s Privacy

We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such data, we will delete it promptly.

4. How We Use Your Information

We use your information to:

*Process insurance and financial product applications

*Provide customer service and maintain your account

*Fulfill legal and regulatory requirements

*Communicate with you about services, transactions, and account updates

*Conduct marketing and outreach in compliance with applicable laws

*Improve our website, services, and customer experience

5. Information We Share

Mobile Phone Numbers:

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not sell your NPI. We may share your NPI with:

*Insurance carriers and financial product providers in connection with your applications or accounts

*Service providers who assist us in delivering services (under confidentiality agreements)

*Regulatory or law enforcement agencies when required by law

*As otherwise permitted or required by law

If we were to share your NPI with nonaffiliated third parties for purposes not allowed by law, we would first provide you with an opportunity to opt out.

6. Safeguarding Your Information

We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your NPI from unauthorized access, use, or disclosure. This includes secure storage, password-protected systems, encryption where appropriate, and staff training on privacy and data security practices.

7. Electronic Communications from the Company

If you choose to receive communications from us, we will use your provided contact details to send you information about your account, our services, events, training opportunities, and regulatory or compliance updates. You can opt out of promotional emails at any time by using the unsubscribe link provided in each message, though you will still receive essential service and compliance notices.

8. Your Rights

You have the right to:

*Request a copy of the NPI we maintain about you

*Request corrections to your information

*Request deletion of certain data, subject to our legal obligations for record retention

Requests must be made in writing to the contact information below, and we may need to verify your identity before acting on them.

9. Changes to This Policy

We may update this policy to reflect changes in our practices or in the law. Updated policies will be posted on our website and delivered as required by law.

10. Contact Us

VerityPath Finance

Email: [email protected]

Phone/Text: +1 (850) 987-0969

Use of our services is also subject to our Terms of Use, available at: https://veritypathfinance.com/terms