Privacy Policy

This Privacy Policy explains how Clearwater Financial Group (“Clearwater,” “we,” “us,” or “our”) collects, uses, discloses, and protects your information when you visit our website or otherwise interact with us.

Information We Collect

We may collect the following types of information:

• Personal Information You Provide – such as your name, email address, phone number, mailing address, and other information you submit through forms, appointment requests, or direct communication.
• Financial & Planning Information – when you work with us as a client, we may collect details about your financial situation, accounts, retirement goals, risk tolerance, and related data necessary to provide services. This information is typically collected offline and may be subject to additional agreements and disclosures.
• Usage Data & Analytics – including IP address, browser type, device information, pages visited, time spent on pages, and referring pages or links, which may be collected via cookies or similar technologies.
• Cookies & Similar Technologies – used to improve performance, remember your preferences, and understand how visitors use our website. You may manage cookies through your browser settings, though some features may not function properly if cookies are disabled.

How We Use Your Information

We may use the information we collect for purposes such as:

• Providing financial, insurance, and retirement planning services.
• Responding to your inquiries, appointment requests, and service questions.
• Sending educational content, newsletters, or event information (if you choose to receive them).
• Improving our website, services, and client experience.
• Maintaining security, preventing fraud, and complying with legal or regulatory obligations.

How We Share Your Information

We do not sell your personal information. We may share your information in the following situations:

• Service Providers & Vendors – with trusted third parties who assist in operating our business (e.g., technology, hosting, analytics, email delivery, or compliance support) under expectations of appropriate data protection.
• Financial & Insurance Carriers – when you apply for or purchase products, we may share relevant information with carriers, custodians, or financial institutions to process applications and maintain your accounts.
• Legal & Regulatory Requirements – when required by law, regulation, legal process, or government request, or to protect our rights, clients, or the public.
• Business Transfers – in connection with a merger, acquisition, reorganization, or similar transaction, subject to continued protection of your information.

Your Choices

• Marketing Communications – you may opt out of marketing emails by using the “unsubscribe” link in those messages or by contacting us. We may still send non-marketing messages related to your accounts or services.
• Cookies – you can manage cookies through your browser settings; disabling cookies may affect site functionality.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. However, no system or method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with information, please contact us so we can take appropriate steps.

Links to Other Websites

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

Do Not Track

Some browsers offer a “Do Not Track” feature. Our website does not currently respond to Do Not Track signals. You can manage certain tracking technologies through browser settings or third-party tools.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date above. Your continued use of the website after changes are posted signifies your acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

Clearwater Financial Group
24285 Katy Freeway, Ste. 300
Katy, TX 77494
Phone: (346) 387-7158
Website: www.clearwaterfinancialgroup.com

This Privacy Policy is for general informational purposes only and is not legal advice. Please consult your own attorney regarding your specific legal and regulatory requirements.