Privacy Policy

Last Updated: March 23rd, 2026
 

1. Introduction

Breakwater Retirement Planning (“we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal and sensitive information. This Privacy Policy explains how we collect, use, and protect your information when you visit our website or use our services.

By using our website, you consent to the practices described in this policy.
 

2. Information We Collect
 

We may collect the following categories of information:

Personal Information

• Name

• Email address

• Phone number

• Mailing address
   

Financial Information

• Credit card or banking information (processed securely through third-party payment processors)
   

Insurance & Sensitive Information:
When voluntarily provided, we may collect information necessary to provide insurance and advisory services, including:

• Social Security Number

• Medicare Number / Medicaid Number

• Date of Birth

• Health and medical information (such as physicians, prescriptions, and medical conditions)

• Financial and retirement-related information

• Beneficiary and policy-related information

Some of this information may be considered Protected Health Information (PHI) or otherwise sensitive personal data.
 

3. How We Use Your Information
 

We use your information to:

• Provide Social Security consulting and retirement planning services

• Assist with insurance planning, recommendations, and enrollment, including:

  • Medicare plans

  • Life insurance

  • Annuities

  • Long-term care insurance

  • Other related insurance products

• Process payments and schedule services

• Communicate with you regarding appointments, recommendations, or inquiries

• Maintain records for compliance with legal, regulatory, and insurance industry requirements
   

We will only use your information for legitimate business and advisory purposes.
 

4. Collection of Sensitive Information Through Third Parties

Sensitive personal, financial, and health-related information is primarily collected through secure third-party platforms provided by our partners, including our Field Marketing Organization (FMO) and insurance carriers.

These third-party systems are responsible for maintaining appropriate security and compliance standards for the data they collect and process.
 

5. How Your Information Is Protected

We take reasonable administrative, technical, and physical safeguards to protect your information, including:

• Secure systems and data handling practices

• Limiting access to authorized individuals

• Use of reputable third-party service providers

However, no method of internet transmission or storage is completely secure, and we cannot guarantee absolute security.
 

6. Sharing of Information

We do not sell or rent your personal information.

We may share your information only as necessary to provide services, including:

• Insurance carriers and underwriting partners

• Our Field Marketing Organization (FMO) and affiliated service providers

• Third-party payment processors

• Regulatory authorities or as required by law

• To protect against fraud or unauthorized activity
   

7. Payment Processing

Payments made through our website are processed by secure third-party payment processors. We do not store full credit card or banking information on our systems.

These processors are responsible for safeguarding your financial data.
 

8. HIPAA & Sensitive Data Notice

We take reasonable steps to protect sensitive and health-related information.

Sensitive information used for insurance and advisory services is generally collected and processed through secure, third-party compliant systems.

While we strive to work with secure and compliant partners, you acknowledge that electronic communication and website submissions may carry inherent risks.

If you prefer, you may contact us directly to discuss alternative methods for sharing sensitive information.
 

9. Data Retention

We retain your information only as long as necessary to:

• Provide services

• Comply with legal, regulatory, and insurance industry requirements

10. Your Rights

You may:

• Request access to your personal information

• Request corrections or updates

• Request deletion of your information (subject to legal and regulatory requirements)

To make a request, contact us at:
admin@breakwaterplans.com
 

11. Cookies & Website Tracking

Our website may use cookies or similar technologies to improve user experience and analyze website traffic.

You can adjust your browser settings to refuse cookies if you prefer.
 

12. Third-Party Links

Our website may include links to third-party websites. We are not responsible for the privacy practices or content of those sites.
 

13. Updates to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.
 

14. Contact Information

If you have questions about this Privacy Policy, please contact:

Seth Funk
seth@breakwaterplans.com