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McCrory Financial Services ("we," "us," or "our"), operated by Hayden McCrory, is an independent insurance broker and licensed Registered Social Security Analyst (RSSA®) providing life insurance, Medicare, annuity, and retirement income planning services to clients across multiple states. This Privacy Policy describes how we collect, use, protect, and disclose your personal and financial information in connection with the services we provide.
This policy applies to all clients, prospective clients, and website visitors and governs information collected through our website, in-person consultations, telephone communications, and electronic correspondence.
To provide insurance, Medicare, annuity, Social Security analysis, and retirement income planning services, we may collect the following categories of information:
We use your personal and financial information solely for legitimate business purposes related to the services you have requested or authorized, including:
We do not sell your personal information to third parties. We do not use your information for marketing purposes beyond the services you have engaged us to provide.
As required under the Gramm-Leach-Bliley Act, we disclose your nonpublic personal information only under the following circumstances:
We share your information with insurance carriers, Medicare plan administrators, annuity companies, and other financial institutions as necessary to provide the services you have requested. These entities are contractually obligated to protect your information and may only use it for the purposes for which it was shared.
For Social Security analysis services, your SSA earnings record and personal information is processed through RSSA Roadmap®, proprietary software provided by the National Association of Registered Social Security Analysts (NARSSA). This platform operates under its own privacy and data security standards.
We may disclose your information when required by law, court order, regulatory authority, or to protect against fraud, comply with a legal obligation, or respond to a lawful request from a government agency.
In the event of a business sale, merger, or transfer of assets, your information may be transferred as part of that transaction, subject to the same privacy protections described in this policy.
To the extent that we receive protected health information (PHI) in connection with Medicare or health insurance services, we handle such information in accordance with applicable HIPAA Privacy Rule requirements. We do not disclose your health information without your authorization except as permitted or required by law, including for purposes of treatment coordination, payment, or healthcare operations as defined under HIPAA.
We implement administrative, technical, and physical safeguards designed to protect your nonpublic personal information from unauthorized access, disclosure, alteration, or destruction, consistent with the requirements of the FTC Safeguards Rule and applicable state law, including:
While we take reasonable precautions to protect your information, no method of data transmission or storage is completely secure. If you have reason to believe your information may have been compromised, please contact us immediately.
In connection with our Social Security analysis and optimization services, we collect and process your Social Security number, date of birth, and SSA earnings record. This information is used exclusively to conduct your RSSA® analysis through RSSA Roadmap® software and to build your personalized Social Security claiming strategy.
We do not submit, file, or interact with the Social Security Administration on your behalf without your explicit written or verbal authorization. McCrory Financial Services and NARSSA have no affiliation with the Social Security Administration or any government agency.
We retain your personal and financial information for as long as necessary to provide the services you have requested, comply with applicable legal and regulatory requirements, resolve disputes, and maintain accurate business records. Insurance and financial services records are generally retained for a minimum of five (5) years following the conclusion of our business relationship, or longer if required by applicable state or federal law.
When information is no longer needed, we dispose of it securely in a manner that protects against unauthorized access or disclosure.
Our website may collect certain non-personally identifiable information automatically, including your IP address, browser type, operating system, referring URLs, and pages visited. This information is used to analyze website traffic, improve site functionality, and understand how visitors interact with our content.
We may use cookies — small text files stored on your device — to improve your browsing experience and remember your preferences. You may configure your browser to refuse cookies or alert you when cookies are being sent. Please note that some features of our website may not function properly without cookies enabled.
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.
Depending on your state of residence, you may have certain rights regarding your personal information, including the right to:
To exercise any of these rights, please contact us using the information provided in Section 12 below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
McCrory Financial Services is licensed to conduct business in multiple states. Residents of certain states may have additional privacy rights or protections under state law. Where state law provides greater privacy protections than federal law, we comply with those state-specific requirements. Clients in California, Texas, and other states with expanded privacy statutes should be aware that additional rights may apply to them.
This privacy policy is intended to satisfy the financial privacy notice requirements of the states in which we are licensed, consistent with the NAIC model privacy regulations adopted by those states. If you have questions about your state-specific rights, please contact us.
We reserve the right to update or modify this Privacy Policy at any time. Material changes will be communicated to existing clients via email or written notice at least 30 days before they take effect, consistent with applicable GLBA requirements. The most current version of this policy will always be available on our website. Your continued use of our services following any changes constitutes your acceptance of the revised policy.
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is being handled, please contact us directly:
Disclaimer: This Privacy Policy is provided for informational purposes and is intended to satisfy applicable federal and state disclosure requirements. It does not constitute legal advice. McCrory Financial Services recommends that clients consult with a qualified attorney for legal questions regarding their privacy rights. This policy is subject to applicable federal and state laws, including but not limited to the Gramm-Leach-Bliley Act, HIPAA Privacy Rule, and Arkansas insurance regulations.
Qualifying clients may have their Social Security analysis fee waived entirely when a compatible insurance or annuity product is placed through McCrory Financial Services. The table below outlines the specific outcomes by situation.
Fee waivers apply when the associated insurance or annuity compensation is reasonably comparable to the analysis fee being waived. All fee outcomes are discussed openly and transparently on your free 15-minute discovery call — no surprises.
