2. How We Use Your Information

We use the information we collect to:
•       Respond to your inquiries and provide the requested information about annuity products.
•       Process annuity applications and service existing policies.
•       Communicate with you about appointments, follow-ups, document requests, and account notifications.
•       Comply with applicable legal, regulatory, and licensing obligations.
•       Improve our website, services, and customer experience.
•       Prevent fraud and protect the security of our systems and users.
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3. SMS / Text Messaging Privacy

This section describes how we collect, use, and protect information related to our SMS messaging program.
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‍No Sharing of Mobile Information for Marketing: No mobile information will be shared with third No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of personal information exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

‍Permitted Sharing: Information sharing with subcontractors that support our services (such as customer service platforms, CRM providers, or messaging service providers like Infobip) is permitted only to the extent necessary to deliver the messaging service. Such subcontractors are contractually required to protect your information and may not use it for their own marketing.

‍Consent and Opt-In: We collect mobile numbers and SMS consent only when you voluntarily provide them through our website contact form, on a signed annuity application, or by giving express verbal consent during a recorded consultation call. Records of consent are retained for compliance purposes.

‍Opt-Out: You can opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a final confirmation message, and no further texts will be sent. Reply HELP for help, or contact us at the information at the bottom of this page.

‍Message and Data Rates: Message and data rates may apply, depending on your mobile carrier plan.

‍Frequency: Message frequency varies, typically 2–4 messages per month, depending on your interactions with us.
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4. How We Share Your Information

Outside of the SMS-specific protections described above, we may share your information in the following circumstances:
•       With Insurance Carriers: When you apply for an annuity, we share necessary application information with the issuing insurance carrier.
•       With Service Providers: Trusted vendors who help us operate our business (e.g., CRM, e-signature, email, SMS providers) under confidentiality obligations.
•       For Legal Compliance: When required by law, regulation, court order, or to respond to lawful requests from public authorities.
•       To Protect Rights and Safety: To investigate or prevent fraud, enforce our agreements, or protect the rights, property, or safety of Annuity HeritageGroup, our clients, or others.
•       Business Transfers: In connection with a merger, acquisition, sale, or other transfer of all or part of our business. We do not sell your personal information.
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5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve site functionality, analyze traffic, and understand how visitors use our website. You can control cookies through your browser settings. Disabling cookies may affect website functionality.
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6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. Our website uses cookies and similar technologies to improve site functionality, analyze traffic, and understand how visitors use our website. You can control cookies through your browser settings. Disabling cookies may affect website functionality.
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7. Data Retention

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized We retain personal information for as long as necessary to fulfill the purposes described in this PrivacyPolicy, comply with applicable laws and regulatory recordkeeping requirements(including those of the insurance industry), and resolve disputes.
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8. Your Rights

Depending on your state of residence, you may have rights regarding your personal information, including the right to access, correct, delete, or restrict use of your information. To exercise these rights, contact us at the information below. We will respond according to the applicable law. We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access. We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with applicable laws and regulatory recordkeeping requirements(including those of the insurance industry), and resolve disputes.
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9. Children's Privacy

Our website and services are not directed to children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.
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10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit. Our website and services are not directed to children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.
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11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. Material changes will be communicated through our website or other reasonable means. Your continued use of our services after changes take effect constitutes acceptance of the revised Policy. Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit. Our website and services are not directed to children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.
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12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
‍Annuity Heritage Group
‍8150 SW 72nd Ave, Unit 11029
Miami, FL 33143
Email: clients@annuityheritagegroup.com
Phone: 786-979-7413
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