Privacy, Confidentiality & Non-Disclosure Statement

Privacy, Confidentiality & Non-Disclosure Statement
At Harbour Life, your trust is our foundation. We are committed to maintaining the highest standards of confidentiality and ethical information handling in everything we do.
Our Confidentiality & Non-Disclosure Commitment
Your Information is Protected
All personal, financial, and health information you share with Harbour Life remains strictly confidential. We never sell, rent, or share your data without your explicit written consent. Your privacy is not negotiable—it's a cornerstone of our professional responsibility.
Every interaction with our team is protected by comprehensive non-disclosure protocols that exceed industry standards. We understand that life insurance decisions involve your most sensitive information, and we treat that privilege with the utmost respect.
Licensed Professionals You Can Trust
Fully Licensed Agents
Every Harbour Life advisor holds current state insurance licenses and meets rigorous professional standards.
Ethical Standards
We adhere to all regulatory requirements and professional codes of conduct without exception.
Ongoing Education
Our team maintains continuing education to stay current with industry developments and compliance requirements.
When you work with Harbour Life, you receive guidance only from qualified, licensed insurance professionals who are accountable to state regulatory authorities. We never provide unlicensed advice or recommendations outside our scope of expertise.
Investment Advice Disclaimer
Clear Boundaries
Harbour Life is an independent life insurance brokerage. We do not provide investment advice, securities recommendations, or portfolio management services.
Trusted Partnerships
When investment guidance is appropriate, we may refer you to licensed, vetted third-party financial advisors who are completely separate from Harbour Life. Any investment decisions remain between you and those independent professionals.
This separation ensures you receive specialized expertise from properly licensed professionals in each domain, while maintaining the clarity and compliance that protects your interests.
How We Use Your Information
Purpose-Driven Data Use
We collect and use your information exclusively for legitimate insurance purposes that serve your needs:
Preparing accurate life insurance quotes and proposals
Facilitating carrier underwriting and policy applications
Conducting personalized protection planning consultations
Managing your policy service requests and updates
Providing ongoing support throughout your coverage journey
Every use of your data directly supports the insurance services you've requested from us.
Data Sharing & Third-Party Relationships
01
No Data Sales
Harbour Life never sells your personal information to marketers, data brokers, or any third parties. Your data is not a commodity.
02
Essential Partners Only
We share information only with insurance carriers for underwriting, vetted advisors you've authorized, and service providers bound by confidentiality agreements.
03
Your Consent Required
Any sharing beyond essential insurance operations requires your explicit written permission. You maintain control over your information.
Data Protection & Security Measures
Encryption Standards
All data transmissions use bank-level encryption protocols. Your information is protected both in transit and at rest using industry-leading security technology.
Access Controls
Strict authentication and authorization systems ensure only authorized personnel can access your information on a need-to-know basis.
Secure Storage
Your data resides on secure servers with redundant backups, intrusion detection, and regular security audits to prevent unauthorized access.
We invest continuously in security infrastructure and employee training to maintain the highest standards of data protection in an evolving threat landscape.
Important Disclaimers
No Performance Guarantees
Life insurance illustrations and projections are educational tools based on current assumptions. They are not guarantees of future performance or results.
Not Legal or Tax Advice
Harbour Life does not provide legal counsel or tax advice. Please consult qualified attorneys and tax professionals for guidance specific to your situation.
Educational Information
All materials and discussions are for educational purposes. Final decisions should be made in consultation with appropriate licensed professionals.
Compliance Note: Harbour Life operates as an independent insurance brokerage under all applicable state and federal regulations. We maintain appropriate errors and omissions coverage and comply with all licensing requirements.
Your Privacy Rights
You're in Control
Federal and state privacy laws grant you important rights regarding your personal information. We respect and honor these rights fully.
Access Your Data
Request copies of the personal information we maintain about you
Request Corrections
Ask us to update or correct inaccurate information
Deletion Rights
Request deletion of your data, subject to legal retention requirements
Opt-Out Options
Control marketing communications and certain data sharing practices
To exercise any of these rights, simply contact us using the information below. We'll respond promptly and work with you to honor your preferences while maintaining necessary business records.
Contact Harbour Life
Questions About Privacy?
Our team is ready to address any questions or concerns about how we protect your confidential information. We believe transparency builds trust, and we're committed to clear communication about our privacy practices.
Harbour Life Insurance Brokerage
Email: [email protected]
Phone: 787-463-1225
This Privacy, Confidentiality & Non-Disclosure Statement may be updated periodically to reflect changes in our practices or legal requirements. We'll notify you of material changes as required by law.
© Harbour Life. All Rights Reserved. | Licensed Insurance Professionals | Your Privacy is Our Priority