Privacy Policy

YWAIT Wealth Management, together with YWAIT Consulting, YWAIT Agency and YWAIT Insurance Solutions (collectively “YWAIT,” “we,” “us” or “our”), is an independent insurance and financial services practice based in Yuma, Arizona and owned by Jessica Wade, a licensed life and annuity producer.

This Privacy Policy applies to ywaitconsulting.com and its subdomains, our landing pages and funnels, our forms and calendars, our webinars, and our email, text-message and telephone communications with you. It covers information we collect from website visitors, prospective clients, webinar registrants, newsletter subscribers and clients.

What YWAIT is not. YWAIT is not a law firm and does not practise law or provide legal or tax advice. YWAIT is not currently a registered investment adviser, an investment adviser representative, or a broker-dealer, and this policy does not describe advisory-account data practices.

Please read this policy carefully. If you do not agree with it, please discontinue use of our website and our services.

Information you give us

We collect information you voluntarily provide when you complete a form, request a review or consultation, register for a webinar, subscribe to our newsletter, download a guide or scorecard, respond to an advertisement, book an appointment, or call, email or text us directly. Depending on what you are asking for, that may include:

• Name, and the name of a spouse or partner
• Email address and mailing address
• Telephone number, including a mobile number
• Age or date of birth
• Marital and household status
• Employment and retirement status
• Income, savings and retirement account balances
• Existing insurance and annuity coverage
• Assets, debts and property ownership
• Beneficiary and family information
• Estate planning goals and existing documents
• Answers to our surveys, quizzes and scorecards

Information collected automatically

When you use our website we automatically collect technical data including IP address, approximate location derived from that IP address, device and browser type, operating system, referring URL, pages viewed, time on page, and the advertising or email click identifiers that brought you to us.

Information from third parties

We may receive information about you from advertising platforms when you submit a lead form inside their app rather than on our site, from webinar and scheduling platforms when you register or book, and — only once you formally apply for coverage and sign an authorisation — from insurance carriers, consumer reporting agencies and the sources described in Section 5.

We use the information we collect to:

• Respond to your enquiry and schedule and conduct consultations
• Prepare the analysis you asked for — a retirement review, estate review, insurance review or protection scorecard is generated from the figures you give us
• Quote, apply for, place and service insurance and annuity products on your behalf
• Coordinate the preparation of estate planning documents through a separate professional partnership, where you have engaged us to do so
• Send appointment confirmations, reminders, webinar links, replays and service messages
• Send educational and promotional email and text messages, where you have consented
• Operate, maintain, secure, measure and improve our website, our advertising and our services
• Meet our legal, regulatory, licensing, suitability and record-keeping obligations
• Detect, prevent and address fraud, abuse and security incidents

We do not use automated decision-making or profiling to produce legal or similarly significant effects about you. A scorecard or review result is an educational output, not a decision — every recommendation is reviewed by a licensed person, and every underwriting decision is made by the insurance carrier, not by us.

As a licensed insurance producer, YWAIT is a financial institution under the federal Gramm-Leach-Bliley Act. The notice below describes what we do with the nonpublic personal information of consumers and clients, in the format required by federal regulation.

How we protect your information. To protect your personal information from unauthorised access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted transmission and storage through our vendors, secured files and buildings, and limiting access to those who need it to do their job.

If you apply for life insurance, long-term care coverage or certain annuity riders, the carrier will need medical information to decide whether to issue the policy and at what rate. We collect that information only in connection with an application you have chosen to submit, and only after you sign an authorisation.

What may be collected

• Health history, height and weight, tobacco use, medications and treating physicians, as stated on the application
• Results of any paramedical examination, laboratory testing or attending physician statement the carrier orders
• Information from consumer reporting sources the carrier uses, which may include the MIB Group, prescription-history databases, motor vehicle records and public records

When you give us your mobile number and opt in, YWAIT may send you text messages about your enquiry, your appointments, webinar links and replays, and educational or promotional content about our services.

• Consent is not a condition of purchase. You do not have to agree to receive texts in order to work with us, buy anything, or receive a quote.
• Message frequency varies and depends on your activity — typically no more than a handful of messages per month for marketing, plus transactional messages tied to appointments you booked.
• Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
• To stop: reply STOP to any message. You will receive one confirmation and no further texts. Reply HELP for help, or call 619.815.8811.

If you request information, register for a webinar, complete a form, or otherwise ask us to contact you, we or a person calling on our behalf may telephone you at the number you provided in order to follow up, answer questions and offer to schedule an appointment. Calls may be recorded or monitored for quality and compliance where permitted by law; you will be told at the start of the call.

Because you contacted us first, these calls are permitted even if your number appears on the National Do Not Call Registry. That does not change your right to tell us to stop at any time, and we will.

Our website uses cookies and similar technologies — small files and scripts stored on or read from your device — to keep the site working, remember your preferences, understand how the site is used, and measure our advertising.

Advertising on social platforms

We advertise on Facebook, Instagram and similar platforms. If you submit a lead form inside one of those apps rather than on our website, that platform collects the form data first and passes it to us, and the platform’s own privacy policy governs its collection. We may also provide hashed contact information to a platform to build or exclude an advertising audience. We consider that use of a service provider rather than a sale of personal information, and we do not receive money for it.

Your choices

You can set your browser to refuse cookies or to warn you when one is sent, though some parts of our site may then not work properly. You can opt out of interest-based advertising through optout.aboutads.info and optout.networkadvertising.org, and through the ad-preference settings of each platform. We honour Global Privacy Control signals sent by your browser as a valid opt-out of sale or sharing where state law provides for it.

We do not sell, rent or trade your personal information, and we do not share it with third parties for their own marketing. We share it only in these situations:

• Insurance carriers and their underwriting services — when you ask us to quote, apply for or service coverage.
• Service providers acting on our behalf — our customer relationship and marketing platform, email and text-message delivery vendors, scheduling and calendar tools, webinar and video conferencing platforms, electronic signature services, document preparation software, cloud storage, analytics and payment processing. Each is contractually bound to use your information only to perform services for us and to keep it confidential.
• The estate document professional partnership — where you have engaged us to coordinate the preparation of estate planning documents, and only to the extent needed to produce them. See Section 15.
• Our own professional advisors — attorneys, accountants, auditors and compliance consultants, under professional duties of confidentiality.
• Regulators and law enforcement — state insurance departments, and any court order, subpoena or legal process we are required to comply with, or where disclosure is necessary to protect our legal rights or someone’s safety.
• A successor entity — in connection with a merger, acquisition, financing or sale of the business, subject to the same privacy commitments made here.
• Anyone you tell us to — for example a spouse, adult child, attorney or accountant you ask us to include.

Your mobile number and SMS consent are subject to the stricter rule in Section 6, which takes precedence over this section.

Wherever you live, you may ask us to do any of the following, and we will honour the request unless a law or a record-keeping obligation requires us to keep the information:

How to make a request

Email [email protected] with the subject line Privacy Request, or call 619.815.8811. We will verify your identity using information we already hold before we act, and we aim to respond within 45 days. An authorised agent may submit a request on your behalf with written permission we can verify.

California residents

Under the California Consumer Privacy Act as amended, California residents have the rights listed above, plus the right to opt out of the sale or sharing of personal information and to limit the use of sensitive personal information. YWAIT does not sell or share personal information as those terms are defined by California law, and does not use or disclose sensitive personal information beyond the purposes permitted without a right to limit. We have not sold or shared personal information in the preceding twelve months, and we do not knowingly sell or share the personal information of anyone under 16. California residents may also request, once per year, a list of third parties to whom we disclosed personal information for their direct marketing purposes in the prior year under California’s “Shine the Light” law; our answer is that we made no such disclosures.

Note that personal information we collect and use in connection with an insurance or financial product is generally subject to the Gramm-Leach-Bliley Act described in Section 4 and may be exempt from some state privacy statutes. Where an exemption applies we still honour opt-out requests as a matter of practice.

Other states

Residents of other states with comprehensive privacy laws — including Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana and others as they take effect — have comparable rights to access, correct, delete, obtain a copy of, and opt out of targeted advertising, and may appeal a denied request by replying to our response. Nevada residents may submit a verified request that we not sell covered information; we do not sell it.

We keep personal information only as long as we need it, or as long as the law requires — whichever is longer. As a general guide:

• Enquiries and leads that never became clients — up to 3 years from your last interaction, then deleted or anonymised.
• Client and policy records — retained for the life of the relationship and then for the period required by state insurance record-retention rules, which is commonly at least 5 years after the transaction or the termination of coverage, and longer where a carrier or state requires it.
• Do Not Call and opt-out requests — retained for at least 5 years. We keep a suppression record permanently, because the only way to honour an opt-out forever is to remember it forever.
• Advertising and analytics data — retained according to the settings and defaults of each platform, generally between 2 and 26 months.

When information is no longer needed we delete it or de-identify it using commercially reasonable methods.

We use commercially reasonable administrative, technical and physical safeguards designed to protect personal information from unauthorised access, use, alteration and disclosure. These include encrypted transmission of data submitted through our website, access controls and unique credentials, multi-factor authentication on our core systems, vetted vendors with their own security programmes, secured physical files, and limiting access to the people who need it.

No method of transmission over the internet or of electronic storage is completely secure, and we cannot guarantee absolute security. If we become aware of a security incident affecting your personal information, we will notify you and the appropriate regulators without unreasonable delay, in the manner and within the timeframes required by applicable state law.

Please help us. Do not send sensitive identifiers such as Social Security numbers or account numbers by ordinary email or text. Ask us for a secure link instead.

Our website links to third-party sites — insurance carriers, calendars, webinar rooms, payment pages, government and educational resources. We are not responsible for the privacy practices or the content of those sites, and this policy does not apply to them. Review the privacy policy of any site before you give it information.

Our services are provided and stored in the United States. We do not intend to offer our services to individuals located outside the United States, and we do not transfer personal information internationally other than through standard vendor infrastructure.

Our website and services are directed to adults. We do not knowingly collect personal information from anyone under 18, and we do not knowingly collect information from children under 13 as defined by the Children’s Online Privacy Protection Act. If you believe a minor has provided us with personal information, contact us immediately at [email protected] and we will delete it.

This does not apply to information about a minor that a parent or guardian gives us deliberately — for example naming a child as a beneficiary or a trust beneficiary. That information is provided by the adult client, held under this policy, and used only to prepare the plan.

YWAIT is not a law firm and does not practise law or provide legal advice. Estate planning documents are attorney-drafted through a separate professional partnership. Jessica Wade’s role is education, coordination and the funding side — retitling accounts and correcting beneficiary designations so the plan actually works.

If you engage us to coordinate documents, the information needed to prepare them — names, family relationships, assets, property and beneficiary designations — is shared with that partnership and its document-preparation platform, solely to produce and deliver your documents. Those parties are bound by confidentiality obligations. Communications with YWAIT are not protected by attorney-client privilege unless and until an attorney-client relationship is separately established with a licensed attorney.

We may update this Privacy Policy from time to time to reflect changes in our practices, our technology or the law. When we do, we will revise the Last updated date at the top of this page. If the change is material we will provide additional notice — by email, by a notice on this website, or both — before it takes effect.

Your continued use of our website or our services after the effective date of an update means you accept the revised policy. We encourage you to review this page periodically.