Effective Date: August 28, 2026

H Squared Consulting, doing business as Seventh Wave Insurance (“Seventh Wave Insurance,” “we,” “us,” or “our”), is a Missouri-based insurance brokerage serving customers in the United States. We respect your privacy and are committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect personal information through our website, www.seventhwaveinsurance.com, and in connection with our communications and insurance brokerage services.

We may collect personal information that you voluntarily provide to us, including:

• Name
• Email address
• Telephone number
• Mailing or physical address

We may also collect information you provide when you communicate with us by telephone, email, or other means.

Because Seventh Wave Insurance is an insurance brokerage, information provided in connection with obtaining or servicing insurance may include additional personal, financial, insurance, or other information necessary to evaluate your insurance needs or assist with insurance coverage.

Our website does not currently use a contact form.

We collect information through other communications with us only when reasonably necessary for our business and insurance services.

We may use personal information to:

• Respond to inquiries and communications;
• Communicate with you about insurance products and services;
• Understand and evaluate your insurance needs;
• Obtain insurance quotes or assist with applications;
• Assist with obtaining, maintaining, or servicing insurance coverage;
• Communicate with insurance companies and other insurance-related parties when necessary to provide our services;
• Maintain business and insurance records;
• Comply with applicable federal and state laws and regulations;
• Prevent fraud, unauthorized activity, or misuse of our services;
• Protect our business, website, customers, and other individuals; and
• Perform other purposes permitted or required by law.

As an insurance brokerage, we may receive or maintain information that is considered nonpublic personal information under applicable insurance privacy laws.

We treat such information confidentially and use and disclose it in accordance with applicable federal and state privacy requirements.

Information may be disclosed when reasonably necessary to conduct insurance business, including to insurance companies, insurance-related service providers, and other parties involved in obtaining, underwriting, issuing, maintaining, or servicing insurance coverage, as permitted by applicable law.

Certain insurance information may also be subject to additional privacy protections under federal law or the laws of the state applicable to the customer or insurance transaction.

We do not sell your personal information.

We may share personal information when reasonably necessary to provide our insurance brokerage services or operate our business.

Depending on the circumstances, this may include sharing information with:

• Insurance companies and carriers;
• Insurance-related service providers;
• Insurance intermediaries and other parties involved in placing or servicing coverage;
• Technology or business-service providers;
• Professional advisers;
• Government agencies or regulators; and
• Other parties when disclosure is required or permitted by applicable law.

We limit disclosures of personal information to purposes that are reasonably necessary for our business, insurance services, legal obligations, or other purposes permitted by applicable law.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

As an insurance business, we take the security of customer information seriously and maintain safeguards appropriate to the nature and sensitivity of the information we handle.

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure.

Our website may use cookies or similar technologies that are necessary for website functionality, security, or other legitimate business purposes.

We may update this Privacy Policy if we begin using analytics, advertising pixels, or other technologies that collect information about website visitors.

You may be able to control certain cookies through your web browser settings. Disabling cookies may affect some website functionality.

Our website may contain links to websites operated by third parties, including insurance companies and other service providers.

We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policy of any third-party website before providing personal information.

We retain personal information for as long as reasonably necessary to provide our services, maintain appropriate business and insurance records, comply with legal and regulatory obligations, resolve disputes, and fulfill other legitimate business purposes.

Because Seventh Wave Insurance is an insurance brokerage, certain records may be required to be retained for specific periods under Missouri insurance regulations and other applicable laws.

For example, Missouri Department of Commerce and Insurance guidance states that policy record files generally must be maintained for the duration of the current policy term plus three calendar years.

We do not delete information when doing so would conflict with a legal, regulatory, contractual, or legitimate business record-retention requirement.

Our website is intended for adults and is not directed toward children under 13.

We do not knowingly collect personal information from children under 13 through our website. If we learn that we have inadvertently collected such information, we will take reasonable steps to delete it.

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information.

These rights may include the ability to request access to, correction of, or deletion of certain personal information.

However, privacy rights may be subject to exceptions, particularly where information must be retained or processed to comply with insurance laws, regulations, legal obligations, contractual requirements, or other permitted purposes.

To ask a privacy-related question or make a request regarding your personal information, please contact us using the information below.

Seventh Wave Insurance is based in Missouri and operates as an insurance business subject to applicable Missouri insurance laws and regulations.

Missouri has specific privacy requirements concerning financial information and nonpublic personal information held by insurance licensees. Our handling and disclosure of such information is subject to applicable insurance privacy requirements.

This website Privacy Policy does not replace any separate privacy notice that may be required to be provided to an insurance customer under applicable federal or state insurance privacy laws.

We may update this Privacy Policy from time to time to reflect changes in our business practices, services, technology, or legal and regulatory requirements.

When we make changes, we will update the Effective Date at the top of this Privacy Policy.

We encourage you to periodically review this page for the most current version.

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

H Squared Consulting dba Seventh Wave Insurance