Privacy Policy | Skyway Insurance Solutions

Updated 2026-10-30

This policy describes how information is handled when you use this website or contact Skyway Insurance Solutions. Different forms collect different information.

Information we collect

Contact page: your name and email address, and any optional phone number, preferred contact method, topic or message you provide.
V3 comparison and research request at /annuity-report/: explore Protect & Grow or Generate Income before sharing contact details. Your actual state, optional broad amount range, optional income-path age range and actual pathway-specific choices stay in page memory until you submit with contact permission. A consented request includes first name, email and phone. Direct research requests collect first name, email, phone, state and an optional growth/income objective with the same required contact permission. They skip the educational questions and do not infer answers. We do not ask for exact balances, birth dates or account credentials.
Older quiz at /annuity-quiz/, while available: first and last name, email address, phone number, retirement goal, timing, priority, fund source and an approximate amount range. Historical quiz and earlier V3 three-question records may remain in our records. Their answers are not invented for a new comparison request.
Report-request records: submitted answers, affirmative consent and server time, report status, a request identifier and available campaign/click attribution. The V3 submission process saves a bounded copy of the latest consented request with the HubSpot Contact, including submitted contact details, actual comparison choices, consent evidence and a licensing-review hold, and attempts an associated request Note. Later requests can replace the latest copy; it is not an unlimited historical archive. Request context and attribution also accompany the internal notification. Existing original Contact attribution is preserved where available.
Scheduling: visiting /schedule loads the existing Calendly calendar. The optional V3 success calendar loads only when you choose Show Available Appointment Times after complete confirmation. Calendly may process technical information when loaded and the details you enter when booking. V3 does not prefill your contact details or research answers. The preserved older V2 quiz may prefill name and email only after you choose its calendar; its phone field is not passed by that prefill.
Technical information: hosting and service providers may process IP addresses, browser or device information and requested URLs to deliver, measure and secure their services.

How we use report requests

We acknowledge a report request, have a licensed Skyway agent review it, provide a personal update within one business day, and prepare a separately researched and reviewed written educational report for delivery by email. Business days are Monday through Friday, excluding U.S. federal holidays, Eastern Time. The personal update is not a guarantee that the completed report will be ready within one business day. No appointment or purchase is required to receive the report.

Your goals, preferences and timing help frame personalized carrier research. State of residence helps us check licensing, appointments, required training and product availability. Optional approximate ranges give research context; they are not exact deposits, minimum requirements or proof of eligibility. We use submitted information to respond, preserve consent and request records, maintain security and understand attribution. The automated acknowledgment is not the completed report. These educational choices do not determine financial suitability or themselves support an individualized recommendation; further information and appropriate review may be needed.

The older quiz may also provide an educational result. Contact-page information is used to respond to the message. An optional appointment uses the information you provide to schedule and hold that conversation.

Who processes it

We use service providers to operate the website, process requests, maintain records, deliver emails and offer scheduling. Each processes information according to its role and applicable arrangements with Skyway. Relevant providers and data flows are described below.

Website hosting: Netlify.
Contact-form delivery: the contact page composes your message in your own email client. Legacy quiz and V3 research requests pass through Netlify Functions to HubSpot. V3 saves Contact and consent information plus a bounded latest-request backup, and attempts an associated request Note; legacy quiz records retain their existing handling.
Email delivery: Google email services deliver the V3 report-request acknowledgment and internal notification. Skyway uses email for the personal update and separately prepared written report. The older quiz may send its educational result. Contact-page messages are sent by your email program to Skyway.
Scheduling: Calendly, under its own privacy policy.
Analytics: Google Tag Manager manages tags on annuity pages. The measurement setup includes Google Analytics 4 and Google Ads conversion attribution; actual processing depends on enabled tags and applicable browser or privacy choices.
Cookies: the V3 request-integrity application does not store its request identifier in cookies. Hosting, authentication, Google measurement tags and scheduling services may use cookies or similar technologies. Local storage: V3 questionnaire choices and direct-form fields remain in page memory before submission. A minimal tab-scoped sessionStorage receipt retains only request ID, pending/confirmed phase, completion booleans and a conversion marker, not contact details, answers, ranges or attribution. This is not a site-wide no-storage claim; the older quiz and third-party scheduling/measurement have their own handling.

V3 browser submissions go to Skyway website Functions; the server communicates with HubSpot and Google email services. The absence of a direct browser-to-HubSpot request does not mean that information remains only inside Skyway. Report-request details can appear in CRM records, request Notes and internal email.

Advertising and measurement

Annuity pages load Google Tag Manager for measurement tags, including the configured Google Analytics 4 measurement and Google Ads attribution path. Main-site links may carry only recognized campaign and click-attribution parameters into V3; state, age, amount, contact details and questionnaire answers are not transferred by those links. When enabled and permitted by applicable privacy choices, these services can process page, event, usage and device information and use cookies or similar technologies. Not every available Google feature is necessarily enabled.

The V3 application records engagement and server-confirmed Contact capture as measurement events. Application event fields are limited to event and funnel categories and, where relevant, the growth/income pathway. They exclude contact details, state, amount and age ranges, individual answers, request identifiers and click identifiers. A snapshot, research CTA or scheduling click is not a confirmed lead. Campaign parameters and click identifiers are handled separately for attribution. Hosting and measurement services may receive technical information; browser settings and available privacy controls may affect measurement.

The V3 comparison choices stay in page memory before submission. Its tab-scoped sessionStorage receipt holds only an opaque request identifier, pending/confirmed phase, completion booleans and a conversion marker, not contact fields, answers, ranges or attribution. It normally lasts for that tab session and survives refresh; it is not guaranteed duplicate prevention across tabs, devices or cleared storage. Do not share the receipt identifier. This is limited to V3 application code, not a site-wide promise about hosting, authentication, Google tags or Calendly.

Service providers and other disclosures

Information is disclosed to the service providers needed to handle your request and operate the site. Information may also be disclosed to an insurance carrier when you ask us to obtain a quote or submit an application, or where disclosure is required by law. Contact permission for a report request is not, by itself, permission to submit an insurance application or disclose information to every carrier.

Consent and communications

The report checkbox requests permission for Skyway to contact you by phone or email about the retirement and annuity topics selected. It states that consent is not a condition of purchase and can be withdrawn. We record affirmative consent and its time. The launch report process is limited to requested report emails and manual agent contact; this checkbox is not treated as authority for SMS, prerecorded calls, automated dialing, voicemail drops or unrelated marketing campaigns.

To cancel a report request or stop follow-up about it, reply to our email, email info@skywayplanning.com, or call 888-856-5155. We review and record requests to stop contact and may retain limited information needed to honor them. No appointment is mandatory.

Information not to send through this site

Do not submit Social Security numbers, Medicare numbers, health details, financial account numbers, passwords or financial documents through these forms or ordinary email. V3 accepts optional broad amount and income-path age ranges, including Prefer not to say, not exact balances, birth dates or account details. If a later insurance discussion needs more information, we will explain what is needed and an appropriate way to provide it.

Interrupted or partially completed requests

Contact capture, research-data persistence, the associated Note and each email are separate processing steps. The latest-request Contact copy helps preserve research details if a Note or notification fails. A capture acknowledgment is not proof that every step completed or that the report has been fulfilled. If the result is uncertain, use the original request's limited status check or contact Skyway before submitting again. Status checks return only confirmation flags, not answers or contact information. An absent result may reflect indexing delay or a later request, so it never authorizes automatic resubmission. Ambiguous Notes or emails are not blindly resent. Simultaneous requests can still overlap, and later requests can replace the latest backup.

Education, state availability and optional scheduling

Research requests are welcome from all 50 U.S. states. Acceptance does not represent nationwide licensure, product availability, suitability or permission to submit an insurance application. Required licensing, appointments, product training and state availability are checked before solicitation, individualized recommendations, regulated consultations or an insurance application. V3 offers an optional 30-minute Zoom calendar only after a server-confirmed, fully processed request and a separate choice to load the calendar. It uses the existing Calendly destination, not an email scheduling request. A calendar booking is not state clearance or permission for regulated activity; no meeting or purchase is required for the report.

Hypothetical comparisons and other tools

MYGA sensitivity examples use fixed hypothetical annual rates and annual compounding, not current carrier offers. Separate FIA examples demonstrate assumed caps, participation and spreads over one hypothetical index period, including zero-credit cases; they are not fixed-return projections. Income dollar references convert one percentage point for a disclosed illustrative amount, not a payout quote, income goal or withdrawal recommendation. Examples exclude fees, taxes and withdrawals; actual and accessible values can be reduced by charges. A sample amount is not your stated balance. Actual carrier rates and lifetime-income illustrations require separate verification and applicable inputs. Links to future Growth and Income Explorers remain disabled until their destinations and readiness are verified; this release does not transfer your comparison answers to another tool.

Retention

We retain contact, report, consent and attribution records as needed to fulfill requests, maintain business records, address disputes and meet applicable legal obligations. Retention depends on the record and its purpose. You may request deletion, but some records may need to be retained to meet legal or insurance recordkeeping obligations. A request to stop contact does not automatically erase the evidence of that request.

Security

This site uses HTTPS and encrypts form submissions in transit. Access and security measures reduce risk but cannot guarantee that information will always be secure. Do not send sensitive credentials or account documents through ordinary forms or email.

Your choices and privacy requests

You may ask what information we hold, request correction, request deletion, or ask us to stop contacting you.
Send requests to info@skywayplanning.com or call 888-856-5155. We may need proportionate identity verification before disclosing or changing personal information; do not email identity documents unless an appropriate process has been arranged.
We review requests in light of applicable obligations. Some records may need to be retained, and service-provider backups or required records may not be immediately erasable.
Available rights can depend on applicable law and the circumstances. We do not promise that every record can always be deleted.

Contact

For privacy requests, contact us by email or phone. info@skywayplanning.com · 888-856-5155

We may update this policy when practices change. The applicable revision date appears above.