Privacy Policy & Terms of Service

Clayborn Financial Group, LLC ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us through our contact forms and communication channels.

By accessing or using our website and services, you agree to the terms of this Privacy Policy. If you do not agree with the practices described herein, please do not use our website or provide us with your personal information.

We may collect the following types of personal information:

Information You Provide Directly

• Contact Information: Full name, email address, phone number
• Inquiry Details: Messages, questions, and financial goals you share through our contact form
• Calculator Data: Financial information you enter into our Insurable Needs Calculator (debt, income, mortgage, education expenses, funeral costs)
• SMS Consent: Your opt-in preference for receiving text messages from Clayborn Financial Group
• Appointment Information: Scheduling details when you book a consultation

Information Collected Automatically

• Usage Data: Pages visited, time spent on pages, click patterns, and navigation paths
• Device Information: Browser type, operating system, device type, and screen resolution
• Cookies and Tracking: We use cookies and similar technologies to enhance your browsing experience and analyze website traffic

We use the information we collect for the following purposes:

• To respond to your inquiries and provide the financial services you request
• To schedule and manage consultations and appointments
• To send you relevant information about our insurance and retirement planning products
• To provide personalized coverage estimates through our Insurable Needs Calculator
• To send SMS/text messages if you have opted in (see SMS Terms of Service below)
• To improve our website, services, and user experience
• To comply with legal and regulatory obligations applicable to insurance and financial services
• To protect against fraud and unauthorized activity

Key SMS Policy Terms

• Consent is Not a Condition of Purchase: You are not required to consent to SMS messages as a condition of purchasing any products or services from Clayborn Financial Group.
• No Third-Party Sharing: Your SMS consent and phone number will NOT be shared with or sold to third parties or affiliates for their own marketing purposes. SMS consent is used solely by Clayborn Financial Group, LLC.
• Message Frequency: Messaging frequency may vary.
• Message & Data Rates: Message and data rates may apply.
• Opt-Out: To opt out at any time, text STOP to any message you receive from us.
• Help: For assistance, text HELP or visit our website at https://claybornfinancial.com.

Types of SMS Messages

If you opt in, you may receive the following types of text messages:

• Appointment confirmations and reminders
• Follow-up communications regarding your inquiry
• Account notifications and service updates
• Educational content about life insurance and financial planning
• Important notices and alerts

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following limited circumstances:

• Service Providers: We use Web3Forms to process contact form submissions. Your form data is transmitted securely to deliver your inquiry to us. Web3Forms does not use your data for any other purpose.
• Insurance Carriers: When you engage us to obtain insurance coverage, we may share necessary information with insurance carriers to process your application, as required to provide the services you requested.
• Legal Requirements: We may disclose your information if required by law, regulation, legal process, or governmental request.
• Business Protection: We may disclose information to protect the rights, property, or safety of Clayborn Financial Group, our clients, or others.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or destruction. Our website uses HTTPS encryption to secure data transmitted between your browser and our servers.

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

Our website may use cookies and similar tracking technologies to enhance your browsing experience and collect usage analytics. Cookies are small text files stored on your device that help us understand how visitors interact with our site.

You can control cookie preferences through your browser settings. Disabling cookies may limit certain features of our website.

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by applicable laws and regulations. Contact form submissions and lead information are retained for the duration of our business relationship and as required for regulatory compliance in the insurance and financial services industry.

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Opt-Out: Opt out of marketing communications, including SMS messages, at any time

To exercise any of these rights, please contact us using the information provided below.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

By accessing and using the Clayborn Financial Group, LLC website (https://claybornfinancial.com) and our services, you accept and agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.

Clayborn Financial Group, LLC provides educational information and professional guidance on life insurance products (including term life, whole life, universal life, and indexed universal life insurance), fixed annuities, retirement planning, and financial education. Our website includes informational content, an insurable needs calculator, and contact forms for scheduling consultations.

The information provided on this website is for educational and informational purposes only and should not be construed as personalized financial, legal, or tax advice. The content does not constitute a recommendation or solicitation to purchase any specific insurance product or financial instrument.

The Insurable Needs Calculator provides estimates based on the information you enter and is intended as a general educational tool only. Actual coverage needs may vary based on individual circumstances. Always consult with a licensed financial professional before making financial decisions.

You agree to use this website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any portion of the website or its related systems
• Use the website to transmit any harmful, threatening, abusive, or otherwise objectionable material
• Interfere with or disrupt the website or servers connected to the website
• Submit false or misleading information through our contact forms

All content on this website — including text, graphics, logos, images, and software — is the property of Clayborn Financial Group, LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

Our website may contain links to third-party websites or services, including our appointment scheduling platform. These links are provided for your convenience only. Clayborn Financial Group does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

To the fullest extent permitted by law, Clayborn Financial Group, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. This includes, without limitation, damages for loss of profits, data, or other intangible losses.

Our total liability for any claim arising from or related to these Terms shall not exceed the amount you paid to us, if any, during the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless Clayborn Financial Group, LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising from your use of the website or violation of these Terms.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Milwaukee County, Wisconsin.

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.

By providing your phone number and checking the SMS consent box on our contact form or opting in through any other medium, you expressly consent to receive text messages from Clayborn Financial Group, LLC. Your consent is not a condition of purchasing any products or services.

You may receive the following types of SMS messages from Clayborn Financial Group, LLC:

• Appointment Reminders: Confirmations and reminders for scheduled consultations
• Account Notifications: Updates related to your account, inquiries, or service requests
• Follow-Up Communications: Responses and follow-ups regarding your questions or financial goals
• Service Alerts: Important notices about our services, availability, or policy changes
• Educational Content: Information about life insurance, retirement planning, and financial literacy

Messaging frequency may vary based on your interactions, consultation schedule, and the nature of your inquiry. You may receive recurring messages. We will not send excessive or unsolicited messages beyond the scope of your consent.

Message and data rates may apply. Charges depend on your mobile carrier and plan. Clayborn Financial Group, LLC is not responsible for any charges incurred from receiving SMS messages.

To opt out at any time, text STOP to any message you receive from us. After opting out, you will receive one final confirmation message confirming your unsubscription. No further SMS messages will be sent unless you re-opt in.

For assistance with SMS messages:

• Text HELP to any message you receive from us
• Visit our website at https://claybornfinancial.com
• Call us at (414) 279-5436
• Email us at [email protected]

Your SMS consent, phone number, and opt-in data will NOT be shared with or sold to third parties or affiliates for their own marketing or promotional purposes. Your information is used solely by Clayborn Financial Group, LLC for the purposes described in these SMS Terms and our Privacy Policy.

Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier. Clayborn Financial Group, LLC is not responsible for messages that are not received due to carrier issues, device incompatibility, or other factors outside our control.

• Messaging frequency may vary.
• Message and data rates may apply.
• To opt out at any time, text STOP.
• For assistance, text HELP or visit our website at https://claybornfinancial.com/.
• Visit https://claybornfinancial.com/privacy for privacy policy and https://claybornfinancial.com/privacy#terms for Terms of Service.

For more information about how we handle your data and the terms governing use of our website and services: