Privacy Policy

1. Introduction

LSH Financial INC ("Company", "we", "us", or "our"), operating also through its specialized divisions including Ashes to Assets Insurance Agency and Tristate MediHealth Solutions, is committed to safeguarding your privacy and protecting your personal information.

This Privacy Policy describes how we collect, use, maintain, protect, and disclose information obtained from visitors and consumers when you visit our website, complete inquiry forms, communicate with us by phone, email, or SMS text messaging, or utilize our insurance and financial consulting services.

2. Information We Collect

We collect information directly from you when you voluntarily provide it through our website contact forms, phone calls, emails, or during consultations:

• Contact Identification: Full Name (first and last name), email address, physical address, and telephone/mobile phone number.
• Inquiry Details: Areas of interest including Life Insurance, Medicare Supplement or Advantage, Health Insurance, Final Expense, or Retirement Planning.
• Communications Data: Records and copies of your correspondence, inquiries, or notes submitted through contact fields.
• Consent & Opt-In Verification Data: Records of your affirmative SMS consent selections, date and time stamps of opt-in, disclosure text displayed at the time of submission, and the source URL of submission.
• Technical & Usage Data: Standard browser type, device information, IP address, and general session activity collected automatically through standard server logs and cookies.

3. How We Use Personal Information

We use information that we collect about you or that you provide to us:

• To respond directly to your questions, service requests, and insurance coverage inquiries.
• To provide educational information regarding life insurance, Medicare, and retirement planning options.
• To schedule, confirm, and remind you of consultations or appointments.
• To maintain accurate customer records, regulatory compliance audits, and proof of consent.
• To fulfill any other purpose for which you explicitly provided the information.

5. SMS Opt-Out & Assistance Instructions

You maintain complete control over your mobile communication preferences:

• How to Opt Out (STOP): You can revoke your consent and stop receiving SMS messages at any time by replying STOP to any text message received from LSH Financial INC. You may also reply CANCEL, UNSUBSCRIBE, END, or QUIT. Upon sending STOP, you will receive a single confirmation message confirming your opt-out.
• How to Get Assistance (HELP): For customer assistance, text HELP to any message from us, or contact our customer support directly by phone or email.

6. Information Sharing and Disclosure

We treat your personal data with utmost discretion. We do not sell, rent, trade, or lease personal information to third parties.

7. Third-Party Service Providers

We may engage trusted third-party service providers (such as telecommunication carriers, secure hosting platforms, and customer relationship management systems) solely to deliver requested communications and maintain system operations on our behalf. These service providers are bound by strict confidentiality and contractual agreements and are prohibited from using your information for any independent purpose.

8. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information against accidental loss, unauthorized access, alteration, and disclosure. All electronic form submissions are transmitted using encrypted SSL protocols.

9. Data Retention

We retain personal information and records of consent for the period necessary to fulfill the purposes outlined in this Privacy Policy, comply with regulatory insurance audit requirements, and demonstrate affirmative compliance with applicable telecommunications laws.

10. Your Privacy Rights

Depending on your jurisdiction, you may have the right to request access to the personal information we hold about you, request corrections or updates to inaccurate information, or request deletion of your information, subject to applicable legal, insurance, and regulatory recordkeeping duties.

11. Changes to This Policy

LSH Financial INC reserves the right to update this Privacy Policy periodically. We will post the revised policy on this page with an updated "Last Updated" date. We encourage you to review this policy whenever you interact with our website.