Privacy Policy

Information You Provide Directly

When you contact us, schedule a consultation, or submit a form on our website, we may collect your name, email address, phone number, mailing address, and any other information you choose to provide. If you become a client, we may also collect financial information necessary to provide our services, such as income, assets, liabilities, investment goals, and tax documents.

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including your IP address, browser type, operating system, referring URLs, pages viewed, and the date and time of your visit. This information is collected through cookies and similar tracking technologies to help us understand how visitors use our site and to improve your experience.

Communications Data

If you opt in to receive email or text (SMS) communications from us, we retain records of your consent, including the date, time, and method of consent. We also maintain records of communications sent to and received from you.

Gulf Pacific Financial Services uses your information for the following purposes:

• To respond to your inquiries and provide the services you request
• To send you email and/or text message communications you have consented to receive
• To schedule and conduct consultations and follow-up communications
• To comply with legal, regulatory, and fiduciary obligations
• To improve our website and the quality of our services
• To send you newsletters, financial tips, or other relevant updates (with your consent)
• To protect against fraud and unauthorized access

Opt-In Consent

We only send text messages to individuals who have expressly opted in to receive SMS communications from Gulf Pacific Financial Services. By checking the SMS consent box on our contact form, you agree to receive text messages at the phone number you provide.

Message Types

Text messages from Gulf Pacific Financial Services may include responses to your inquiry, appointment reminders, follow-up communications from your advisor, and relevant financial updates.

Message Frequency

Message frequency varies based on your interactions with us. We will not send unsolicited marketing texts in high volume. For general inquiries and appointment-related messages, you can expect to receive messages only when directly relevant.

Message and Data Rates

Standard message and data rates may apply depending on your mobile carrier plan. Gulf Pacific Financial Services does not charge for text messages, but your carrier may.

Opting Out

You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. After opting out, you will receive a single confirmation message. To re-subscribe, reply START. For help, reply HELP to any message or contact us at info@gulfpacificfinancial.com.

SMS Provider

Our text messaging service is facilitated through RingCentral. By consenting to receive SMS communications, you acknowledge that your phone number and related data may be processed by RingCentral in connection with the delivery of messages. RingCentral's privacy practices are governed by their own privacy policy.

Opt-In Consent

We only send marketing or newsletter-style emails to individuals who have expressly opted in to receive email communications from Gulf Pacific Financial Services. Transactional emails — such as responses to your direct inquiry — may be sent regardless of marketing consent.

Opting Out

You may unsubscribe from marketing emails at any time by clicking the 'Unsubscribe' link at the bottom of any email we send, or by emailing us at info@gulfpacificfinancial.com with 'Unsubscribe' in the subject line. Please allow up to 10 business days for your request to be processed. Unsubscribing from marketing emails will not prevent us from sending transactional communications related to an existing service relationship.

Gulf Pacific Financial Services does not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following circumstances:

• With service providers (such as email and SMS platforms) who assist us in operating our website and delivering communications, under confidentiality obligations
• With regulatory bodies, courts, or government authorities when required by law or to protect our legal rights
• With your consent, or at your direction
• In connection with a merger, acquisition, or sale of company assets, in which case you will be notified

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to maintain our service relationship with you, or as required by applicable law and regulation. Opt-in and opt-out records for SMS and email communications are retained for a minimum of four (4) years in accordance with TCPA and CAN-SPAM compliance requirements.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no transmission of data over the internet or storage system can be guaranteed to be 100% secure. If you have reason to believe your information has been compromised, please contact us immediately.

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your information, subject to legal obligations
• The right to withdraw consent for communications at any time
• The right to lodge a complaint with a supervisory authority

To exercise any of these rights, please contact us at info@gulfpacificfinancial.com or call (850) 683-3240.

Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect the functionality of our website.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us and we will promptly delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the 'Last Updated' date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: