01 Information We Collect

When you visit our website or submit a contact form, we may collect the following categories of personal information:

• Identity & Contact Data: First and last name, email address, phone number (including mobile number).
• Demographic Data: State of residence (for insurance licensing purposes), family status where voluntarily provided.
• Communications Data: Records of the messages you send to us and our responses, including SMS message logs.
• Technical Data: IP address, browser type and version, time zone, operating system, and other technical identifiers collected automatically when you visit our website.
• Usage Data: Information about how you use our website, including pages visited, time spent, and referral source.

We do not knowingly collect sensitive personal information such as Social Security numbers, financial account details, or health records through this website.

02 How We Use Your Information

We use the personal information we collect for the following lawful purposes:

• To respond to your inquiries and provide information about Indexed Universal Life (IUL) insurance products and services;
• To schedule free consultations or calls as requested by you;
• To send SMS communications for which you have provided prior express written consent (see Section 3);
• To comply with applicable insurance regulations and licensing requirements in Georgia, Texas, and Ohio;
• To improve our website, marketing materials, and service offerings;
• To maintain records as required by applicable law.

03 SMS Communications & Consent

3.1 — Nature of SMS Communications

By submitting your phone number through our website form or by texting our number directly, you may receive SMS messages related to:

• Indexed Universal Life (IUL) insurance information, living benefits, and death benefits;
• Appointment confirmations, reminders, and scheduling updates;
• Responses to your direct inquiries;
• One-time verification codes (OTPs) for identity verification purposes;
• Follow-up communications regarding your insurance consultation.

Message frequency will vary based on your level of engagement with our services. You will not receive unsolicited bulk marketing messages without your prior express written consent.

3.2 — Consent Requirements (TCPA & CTIA Compliant)

Before receiving promotional or marketing SMS messages, we require your prior express written consent, which means:

• You have been clearly informed of our identity (Felipe Dangond / Pinnacle Life Group);
• You have been told how your phone number will be used and the specific subject matter of messages you will receive;
• You have been presented with a genuine choice to provide or withhold consent;
• You have been made aware of how to withdraw your consent at any time.

Consent is specific to the subject matter for which it was provided and cannot be transferred, sold, or assigned to any other party. We do not purchase, sell, rent, or transfer consent lists.

3.3 — How to Opt In

You may opt in to receive SMS communications by:

• Submitting your phone number through our website contact form and checking the applicable SMS consent checkbox; or
• Texting our number directly to initiate a conversation (your inbound message constitutes consent for that conversational exchange).

3.4 — How to Opt Out (STOP)

You may revoke your consent and opt out of SMS communications at any time by replying with any of the following standard opt-out keywords:

STOP   STOPALL   UNSUBSCRIBE   CANCEL   END   QUIT

Upon receipt of an opt-out request, we will send you one final confirmation message and will not send any further messages unless you affirmatively re-subscribe. Opting out is a single-step process requiring no additional action from you.

3.5 — Help

For assistance, reply HELP to any of our SMS messages, or contact us directly at +1 (470) 820-4471 or info@felipedangond.com.

3.6 — Message & Data Rates

Standard message and data rates may apply depending on your mobile carrier plan. We are not responsible for any charges imposed by your carrier in connection with SMS communications.

04 How We Share Your Information

We do not sell, rent, or lease your personal information to third parties for their own marketing purposes. We may share your information only in the following limited circumstances:

• Service Providers: We use trusted third-party service providers (including Twilio, Inc. for SMS delivery infrastructure and SmartSuite for contact form processing) who process data on our behalf under binding confidentiality and data processing agreements. These providers are prohibited from using your data for any purpose other than delivering services to us.
• Insurance Carriers: With your express consent, your information may be shared with insurance carriers or underwriters as part of the insurance application or quotation process.
• Legal Compliance: We may disclose information when required by law, court order, or governmental authority, or when necessary to protect our legal rights.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred, subject to standard confidentiality protections.

Your phone number and SMS consent will never be sold or shared with unaffiliated third parties for their own independent marketing or promotional purposes.

05 Data Retention

We retain your personal information, including SMS consent records, for as long as necessary to fulfill the purposes described in this policy, to comply with applicable legal and regulatory requirements (including insurance record-keeping obligations), and to resolve disputes or enforce agreements.

SMS consent records are retained for a minimum period sufficient to meet our legal obligations and demonstrate compliance with applicable telecommunications regulations. We will delete or anonymize your personal information when it is no longer required for these purposes.

06 Cookies & Website Analytics

Our website may use cookies and similar tracking technologies to improve functionality and analyze site usage. These technologies collect information such as browser type, pages visited, and time spent on our site.

You may configure your browser to decline cookies; however, some features of our website may not function properly as a result. We do not use tracking technologies for targeted third-party advertising.

07 Data Security

We implement reasonable technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include use of secure, industry-standard platforms for form submissions (SmartSuite) and message delivery (Twilio), access controls, and periodic security reviews.

No method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

08 Children’s Privacy

Our website and services are directed solely to adults age 18 and older. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected information from a child under 13, we will promptly delete such information.

09 Your Rights & Choices

Depending on your state of residence, you may have the following rights with respect to your personal information:

• Access: Request a copy of the personal information we hold about you;
• Correction: Request correction of inaccurate or incomplete information;
• Deletion: Request deletion of your personal information, subject to applicable legal requirements;
• Opt-Out of SMS: Withdraw your SMS consent at any time by replying STOP (see Section 3.4);
• Do Not Sell: We do not sell your personal information; no opt-out for sale is required.

To exercise any of the above rights, please contact us using the information in Section 11. We will respond to verifiable requests within the timeframes required by applicable law.

10Third-Party Links

Our website may contain links to third-party websites (including our booking and contact form platform). This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

11 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or Twilio’s messaging policies. 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 continued receipt of SMS communications following notice of changes constitutes your acceptance of the updated policy, to the extent permitted by applicable law.

12 Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us: