Privacy Policy

Last Updated: 10/15/2025

1. Introduction

Harding Financial & Insurance (“we,” “us,” “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (hardingfinancial.net) or engage with our financial and insurance services.

By using our website or services, you consent to the practices described in this policy.

2. Scope

This policy applies to visitors and clients located in the United States, particularly residents of Massachusetts, where we are based. It does not apply to third-party websites or services that are linked from our site unless otherwise stated.

3. Information We Collect

Information You Provide

• Contact details such as name, address, phone number, and email
• Date of birth, Social Security number, or tax identification number
• Employment, income, and financial account information
• Insurance applications, beneficiary details, and related documents
• Correspondence or other data you submit through our forms

Information Collected Automatically

• IP address, browser type, and operating system
• Pages visited, referral URLs, and session duration
• Device identifiers, cookies, analytics data, and log files

We may use cookies and third-party analytics tools (such as Google Analytics) to understand website usage and improve your experience.

4. Definition of Personal Information (Massachusetts)

Under Massachusetts law, “Personal Information” includes a resident’s first name and last name (or first initial and last name) combined with one or more of the following data elements: Social Security number, driver’s license or state identification number, or financial account or credit/debit card number with any required access code or password.

5. How We Use Information

• To evaluate, recommend, and administer financial and insurance services
• To communicate with you regarding accounts, products, or services
• To process applications, transactions, or claims
• To comply with legal and regulatory requirements
• To detect and prevent fraud or unauthorized activities
• To improve our website, communications, and customer service

6. Information Sharing & Disclosure

We may share your information only as permitted by law and as described below:

• Affiliates and partners for internal business purposes
• Service providers who perform services on our behalf under confidentiality agreements
• Regulatory and legal disclosures required by law, subpoena, or governmental request
• Business transfers such as mergers, acquisitions, or restructuring
• With your consent or direction

We do not sell your personal information.

7. Your Rights & Choices

• Request access to or correction of your personal information
• Request deletion of certain data (subject to legal retention requirements)
• Opt out of certain marketing communications
• Withdraw previously given consent

To exercise your rights, contact us using the information provided below.

8. Data Security & Retention

We maintain a comprehensive Written Information Security Program (WISP) in accordance with Massachusetts regulation 201 CMR 17.00. Our safeguards include administrative, technical, and physical measures designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

• Encryption of personal data in transit and at rest, where applicable
• Access controls and authentication requirements
• Firewalls, intrusion detection, and secure backup systems
• Employee training and vendor oversight

We retain personal data only as long as necessary to fulfill the purposes for which it was collected or as required by law and regulation.

9. Data Breach Notification

In the event of a data security incident involving Massachusetts residents, we will notify affected individuals as well as the Massachusetts Attorney General and the Office of Consumer Affairs and Business Regulation, consistent with M.G.L. c. 93H and 201 CMR 17.00.

10. Children’s Privacy

Our website and services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.

11. Federal Financial Privacy (GLBA)

As a financial and insurance services provider, we comply with the Gramm-Leach-Bliley Act (GLBA) and related SEC/FINRA privacy standards. Clients receive annual privacy notices describing:

• What categories of nonpublic personal information we collect
• With whom and why we share it
• How we protect it
• How clients may limit certain sharing

12. Links to Other Websites

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

13. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:Harding Financial & Insurance
60 Mall Rd, Suite 102
Burlington, MA 01803
Phone:(781) 933-3025
Fax: (781) 935-2187

14. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted on this page with a revised “Last Updated” date.

By continuing to use our website or services after updates are posted, you acknowledge and agree to the revised policy.