HEMISPHERES FINANCIAL GROUP LLC, doing business as Hemispheres Financial Group ("we," "us," or "our"), respects your privacy. This Privacy Policy describes the types of information we collect, how we use it, with whom we share it, and the choices you have. By using our website (hemispheresfinancialgroup.com) or any of our services, you agree to the practices described in this policy.

1. Information We Collect

We collect information you provide directly to us, including:

  • Contact information — name, email address, phone number, and mailing address.
  • Financial planning information — details you share when scheduling consultations or completing intake forms (retirement timeline, financial goals, family situation, etc.).
  • Communication preferences — your selections regarding email, phone, and SMS contact.
  • Website usage data — IP address, browser type, pages visited, and similar technical information collected automatically through cookies and standard web analytics.

2. How We Use Your Information

We use the information we collect to:

  • Respond to inquiries and schedule consultations.
  • Provide retirement planning, life insurance, and related advisory services.
  • Communicate with you about your account, appointments, and services — including via email, phone, and (where consented) SMS text messages.
  • Comply with legal, regulatory, and tax obligations.
  • Improve our website and services.

3. SMS / Text Message Communications

If you opt in to receive text messages from HEMISPHERES FINANCIAL GROUP LLC, the phone number you provide is used solely for the purpose for which you opted in (e.g., marketing communications, appointment reminders, service updates).

No mobile information will be shared with third parties/affiliates for marketing/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.

You can opt out of SMS communications at any time by replying STOP to any text message you receive from us. For assistance, reply HELP or contact us at cmartin@hemispheresfinancialgroup.com or 941.416.4930. Message and data rates may apply. Message frequency varies.

4. How We Share Information

We do not sell, rent, or trade your personal information. We may share limited information in these specific circumstances:

  • With service providers who help us operate our business (e.g., CRM platforms, secure document storage, email delivery services). These providers are contractually required to keep your information confidential and use it only for the services they provide to us.
  • With insurance carriers and financial institutions when you've authorized us to submit applications or coordinate services on your behalf.
  • When legally required — to comply with subpoenas, court orders, or applicable laws and regulations.
  • To protect rights and safety — when we believe disclosure is necessary to investigate, prevent, or take action regarding potentially illegal activities or threats to anyone's safety.

As stated above, mobile phone numbers and SMS opt-in data are never shared with third parties or affiliates for marketing or promotional purposes.

5. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure; we cannot guarantee absolute security.

6. Cookies and Tracking

Our website uses cookies and similar technologies to provide functionality, remember your preferences, and analyze how visitors use the site. You can adjust your browser settings to refuse cookies, though some site features may not function properly as a result.

7. Your Choices and Rights

You may:

  • Request access to the personal information we hold about you.
  • Request correction of inaccurate information.
  • Request deletion of your information, subject to legal and regulatory record-keeping requirements.
  • Opt out of email marketing by clicking the unsubscribe link in any marketing email.
  • Opt out of SMS communications by replying STOP to any text message.

To exercise any of these rights, contact us at cmartin@hemispheresfinancialgroup.com or 941.416.4930.

8. Children's Privacy

Our website and services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will delete it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to read their privacy policies before providing personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Effective" date at the top of this page reflects the most recent revision. Material changes will be posted on this page and, where appropriate, communicated to you directly.

11. Contact Us

Questions about this Privacy Policy or our privacy practices? Contact us:

  • HEMISPHERES FINANCIAL GROUP LLC
  • 7800 Southland Blvd Suite 200
  • Orlando, FL 32809
  • Phone: 941.416.4930
  • Email: cmartin@hemispheresfinancialgroup.com