Privacy Policy

When you use our website, complete a form, schedule a consultation, enroll in a webinar, download an educational guide, or interact with our AI assistant (“Ask H&S”), we collect the following categories of information:

Information You Provide

• Contact information — name, email address, phone number, mailing address, and HBCU affiliation when you submit any form.
• Financial profile information — when you request a consultation or share goals, you may voluntarily provide information about your income, retirement assets, business ownership, family structure, and financial objectives.
• Insurance authorization data — if you proceed with insurance product underwriting, you may authorize us to obtain medical or health-related information through our licensed carrier partners.
• Career application data — when applying to become an H&S agent, we collect resume information, role interest, and any optional details you share.
• Chat conversations — messages you send to our AI assistant “Ask H&S” are stored to improve service quality and for legal and audit purposes.

Information We Receive Automatically

• Device and browser information (IP address, browser type, language, operating system).
• Usage data (pages visited, referring page, time on site, links clicked).
• Cookies and similar technologies (see Section 10).

We use the information we collect for the following purposes:

• Deliver our Services — schedule consultations, follow up on inquiries, deliver educational guides and webinars, and connect you with a licensed H&S agent.
• Process insurance and financial applications — coordinate underwriting and account setup with carrier partners (Transamerica, Nationwide, National Life Group, and others).
• Communicate with you — respond to your requests, send appointment confirmations, share newsletters, and notify you of relevant educational content. You may opt out of marketing communications at any time.
• Improve our Services — analyze usage patterns, troubleshoot issues, conduct research, and develop new offerings.
• Maintain safety and security — authenticate users, prevent fraud, comply with legal obligations, and protect our firm and clients.

We do not sell your personal information. We share information only in the following limited circumstances:

• With your direction — when you ask us to share information with a specific carrier, advisor, or third party as part of an application or transaction.
• With carrier partners — including Transamerica, Nationwide, National Life Group, and other A-rated insurance and financial services providers, to process applications and provide the products you select.
• With service providers — technology vendors who help us operate our website, host data, deliver email, process payments, and provide analytics. These providers are contractually required to protect your information.
• For legal reasons — to comply with applicable law, court orders, subpoenas, regulatory inquiries, or to protect the rights, safety, or property of H&S, our clients, or others.
• Business transfers — in connection with a merger, acquisition, or sale of assets, with notice to affected users.

You have the following rights regarding your personal information:

• Access — request a copy of the personal information we hold about you.
• Correction — request that we correct inaccurate or incomplete information.
• Deletion — request that we delete your personal information, subject to legal and regulatory retention requirements applicable to financial services firms.
• Opt out of marketing — unsubscribe from any marketing email at any time using the link in the email or by contacting us.
• Withdraw consent — withdraw consent for any processing based on consent, without affecting prior lawful processing.

To exercise any of these rights, email us at info@hscapitalenterprise.org.

We retain your personal information for as long as needed to provide our Services and for legitimate business purposes, including:

• The duration of our advisory relationship with you, plus the period required by applicable state and federal financial services regulations (typically 5–7 years after the relationship ends).
• Longer periods where required by law, court order, or regulatory authority.
• Chat conversation logs with Ask H&S are retained for up to 24 months to improve service quality and meet audit requirements.

As a financial services firm operating in the United States, H&S Capital Enterprise is subject to the federal Gramm-Leach-Bliley Act (“GLBA”). The GLBA requires us to provide you with notice of our information collection and sharing practices.

Nonpublic Personal Information We Collect: Name, contact information, financial circumstances, retirement and insurance account information, beneficiary information, and other information you share to allow us to advise you.

How We Share Nonpublic Personal Information: We share this information only with carrier partners and service providers as necessary to deliver the products and services you have requested, and as permitted or required by law. We do not share your nonpublic personal information with non-affiliated third parties for marketing purposes.

How We Protect This Information: We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information.

We use a combination of technical, administrative, and physical safeguards to protect your information, including encryption in transit, access controls, and ongoing security monitoring. However, no method of transmission or storage is 100% secure.

Breach Notification: If we become aware of a security incident that affects your personal information, we will notify you without undue delay and in accordance with applicable state breach-notification laws — typically within 30 days of discovery, unless a longer period is required by law enforcement.

We use cookies, pixels, local storage, and similar technologies to:

• Preferences — remember your settings and recent activity.
• Authentication & security — keep your session and data secure.
• Performance — optimize page load and functionality.
• Analytics — understand how visitors use our site so we can improve it.

You may disable cookies through your browser or device settings. Disabling cookies may limit functionality. Our website does not currently respond to “Do Not Track” browser signals.

Our Services are intended for users 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If we learn we have collected information from a minor without verified parental consent, we will delete that information promptly.

Parents who believe their child has submitted personal information to us may contact info@hscapitalenterprise.org to request deletion.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (“CCPA”):

• Right to know what personal information we collect, use, and disclose.
• Right to request deletion of your personal information.
• Right to opt out of the sale of personal information (note: we do not sell personal information).
• Right to non-discrimination for exercising your CCPA rights.

Categories of personal information we collect: identifiers, demographic information, commercial information, internet activity, professional or employment-related information, and inferences drawn from any of the above.

To exercise these rights, contact us at info@hscapitalenterprise.org.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will post the updated policy on this page and update the “Effective Date” at the top. Where required by law, we will provide additional notice (such as by email) before the changes take effect.

If you have questions about this Privacy Policy, wish to exercise your rights, or have a privacy concern, please contact us: