Privacy Policy

Last Updated: June 2026

This Privacy Policy explains how Goheen Capital collects, uses, shares, and protects personal information in connection with this website. We are committed to handling your information responsibly and in accordance with applicable privacy and financial-privacy laws.

1. Who We Are and Scope of This Policy

This website (the "Site") is operated by Goheen Insurance Agency, Inc., doing business as Goheen Capital ("Goheen," "we," "our," or "us"), a Simplicity Group company. This Privacy Policy applies to personal information we collect through the Site and through direct communications with you, such as email and the contact forms or links available on the Site.

This Policy does not govern information practices of third-party websites or services that may be linked from the Site, or information you provide to us outside of the Site in the course of an insurance, premium finance, or other professional engagement, which may be subject to additional notices and agreements.

2. Information We Collect

Information you provide to us

We collect information you choose to provide when you contact us, request a case review or consultation, submit an inquiry, or otherwise communicate with us. This may include your name, email address, telephone number, professional affiliation, and any information you include in your message, such as details about your circumstances, your clients (if you are an advisor), or a potential case.

Information collected automatically

When you visit the Site, certain information may be collected automatically through server logs and similar technologies, including your Internet Protocol (IP) address, device and browser type, operating system, referring website, pages viewed, links clicked, and the dates and times of your activity. We use this information to operate, secure, analyze, and improve the Site.

Information from third parties

We may receive information about you from third parties, such as analytics providers, referral sources, professional partners, or affiliated entities within Simplicity Group, where permitted by law and consistent with this Policy.

3. Cookies and Tracking Technologies

The Site may use cookies and similar technologies (such as web beacons and pixels) to recognize returning visitors, remember preferences, measure traffic, and understand how the Site is used. Some cookies are necessary for the Site to function; others support analytics and performance.

You can set your browser to refuse some or all cookies or to alert you when cookies are being sent. If you disable cookies, certain features of the Site may not function properly. We may also use third-party analytics services that set their own cookies and collect usage information subject to their own privacy policies.

4. How We Use Your Information

We use personal information for purposes including to:

• Respond to your inquiries and provide the information, consultation, or services you request;
• Communicate with you about cases, services, events, or updates, including occasional informational or marketing communications (from which you may opt out at any time);
• Operate, maintain, secure, and improve the Site and our services;
• Analyze usage trends and measure the effectiveness of our content;
• Detect, prevent, and address fraud, security issues, and technical problems; and
• Comply with legal, regulatory, licensing, and recordkeeping obligations applicable to a licensed insurance agency.

5. How We Share Information

We do not sell your personal information, and we do not rent it to third parties for their own marketing. We may share personal information in the following limited circumstances:

• Service providers. With vendors who perform services on our behalf — such as hosting, email delivery, analytics, and administrative support — under obligations to protect the information and use it only as directed.
• Affiliates. With affiliated entities within Simplicity Group, as needed to provide and support our services and as permitted by applicable law.
• Carriers, lenders, and professional partners. Where necessary to fulfill a request you initiate, such as evaluating or advancing an insurance or premium finance case.
• Legal and protective purposes. When required by law, regulation, subpoena, or legal process, or to protect the rights, property, or safety of Goheen, our clients, or others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, subject to appropriate confidentiality protections.

6. Financial Privacy (Gramm-Leach-Bliley Act)

As a licensed insurance agency, Goheen is a financial institution under the Gramm-Leach-Bliley Act (GLBA) and may collect nonpublic personal information ("NPI") in the course of providing insurance and related services. We restrict access to NPI to those who need it to provide services to you, and we maintain physical, electronic, and procedural safeguards designed to protect it. We do not disclose NPI about current or former clients except as permitted or required by law. Where you enter into a professional engagement with us, you may receive a separate GLBA privacy notice that governs the handling of NPI in connection with that engagement.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, to maintain our business and client relationships, and to comply with our legal, regulatory, and recordkeeping obligations. When information is no longer needed, we take reasonable steps to delete or de-identify it.

8. Data Security

We maintain physical, electronic, and administrative safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the Internet or method of electronic storage is completely secure. Email, in particular, is not a secure channel — please do not send sensitive personal, financial, or health information to us by unencrypted email.

9. Your Privacy Choices and Rights

You may contact us at any time using the details in the "Contact Us" section to:

• Request access to the personal information we hold about you;
• Request that we correct inaccurate information;
• Request that we delete information, subject to legal and recordkeeping exceptions;
• Opt out of marketing communications; and
• Raise any question or concern about how we handle your information.

We will respond to verified requests within the timeframes required by applicable law, and we will not discriminate against you for exercising your privacy rights.

California residents

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), provides you with rights to know what personal information we collect, use, and disclose; to request access to or deletion of that information; to correct inaccurate information; and to opt out of the "sale" or "sharing" of personal information as those terms are defined by law. We do not sell or share personal information as defined under the CCPA/CPRA. Certain information we hold as a licensed insurance agency may be exempt from these rights to the extent it is governed by the Gramm-Leach-Bliley Act or other applicable financial-privacy law. To exercise your rights, contact us using the information below. You may use an authorized agent to submit a request, and we may need to verify your identity before responding.

10. Do Not Track

Some browsers offer a "Do Not Track" (DNT) signal. Because there is no consistent industry standard for responding to DNT signals, the Site does not currently respond to them. We will continue to monitor developments in this area.

11. Children's Privacy

The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from individuals under the age of 18. If you believe a child has provided us with personal information, please contact us so that we can take appropriate steps to remove it.

12. Third-Party Links

The Site may contain links to other websites. We are not responsible for the content or privacy practices of those sites. We encourage you to review the privacy policy of any website you visit before providing personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date above. Changes are effective when posted to the Site. We encourage you to review this Policy periodically. Your continued use of the Site after changes are posted constitutes acceptance of the updated Policy.

14. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at info@goheeninsurance.com, or through the contact information provided elsewhere on this Site.