(850) 547-6423

Privacy Policy

Effective Date: March 19, 2026 | Last Updated: March 19, 2026

1. Introduction

Prodigy Innovative Ventures ("Company," "we," "us," or "our") is an insurance lead generation and marketing organization licensed to operate in the State of Florida and other jurisdictions as required. Our principal place of business is West Palm Beach, Florida. We connect consumers seeking life insurance — including term life, whole life, and final expense coverage — with licensed insurance agents and carriers.

This Privacy Policy describes how we collect, use, disclose, retain, and protect your personal information when you visit our website, submit inquiries through our lead capture forms, interact with our communications (including telephone calls, text messages, emails, and direct mail), and engage with our artificial intelligence (AI) and automated communication tools. It also describes your rights under applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), Florida Telephone Solicitation Act (FTSA), the California Consumer Privacy Act / California Privacy Rights Act (CCPA/CPRA), and the comprehensive privacy statutes of nineteen additional states.

IMPORTANT: By submitting information through our website forms, you acknowledge that you have read, understood, and agree to this Privacy Policy and the disclosures it contains, including the TCPA consent language on our lead capture form. Please read this policy carefully before submitting your information.

This policy applies to all personal information collected through:

This policy does not apply to information collected by third-party websites, carriers, or agents to whom we refer your information, except as described in the "Lead Distribution & Data Sharing" section. We encourage you to review the privacy policies of any third party that contacts you.

2. Information We Collect

2.1 Information You Provide Directly

When you complete a quote request form, request information, or otherwise communicate with us, we collect the following categories of personal information:

2.2 Automatically Collected Technical Data

When you visit our website, we automatically collect:

2.3 AI Interaction and Behavioral Data

When you interact with our AI-powered communication tools, we may collect:

2.4 Call Recording Data

We may record telephone calls for quality assurance, training, compliance, and legal documentation purposes. Call recordings may capture the full content of your conversations with our agents, automated systems, and AI voice tools. See Section 7 (Call Recording & Monitoring) for full details, including state-specific consent disclosures.

2.5 Sensitive Personal Information

In the course of insurance lead generation, certain information you provide — such as age, health status, and financial information — may constitute "sensitive personal information" or "sensitive data" under applicable state privacy laws. We collect this information solely to match you with appropriate insurance products and licensed agents. We do not sell sensitive personal information for purposes other than the insurance matching services described in this policy.

3. How We Collect Information

3.1 Web Forms and Lead Capture

The primary method by which we collect your personal information is through lead capture forms on our website. When you fill out and submit a quote request or information request form, you voluntarily provide us with your contact and demographic information. Our forms display the consent disclosures described in Section 5 (TCPA) and elsewhere in this policy at the point of submission.

3.2 Cookies and Similar Technologies

We use cookies, web beacons, pixel tags, and similar tracking technologies to collect information about your browsing behavior. Cookies are small data files stored on your device. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired). See Section 13 for a full description of our cookie practices and your opt-out options.

3.3 Third-Party Analytics Platforms

We use third-party analytics services — which may include Google Analytics, Meta Pixel, and similar tools — to understand how visitors interact with our website. These services collect information about your visits and may link that data to your other online activity. Third-party analytics providers have their own privacy policies governing their use of data.

3.4 Advertising and Retargeting Pixels

We may use advertising pixels and tracking tags from advertising platforms (such as Google Ads, Meta/Facebook, and others) to measure the effectiveness of our advertising campaigns and to enable retargeted advertising. When you visit our website, these pixels may record that visit and allow the advertising platform to serve you ads on other websites you visit thereafter.

3.5 Telephone and Communication Interactions

When you call us or we call you, we may collect information you provide during the call, including the call recording itself (where permitted by applicable law). When you exchange text messages with us, we retain records of that communication. When you interact with our AI voice or AI text systems, we collect and store transcripts of those interactions.

3.6 Behavioral Tracking and Profiling

We may use behavioral tracking technology on our website to observe how you interact with our forms and content — including mouse movements, clicks, keystrokes, form field sequences, and scroll behavior. This information is used to optimize form design, improve user experience, detect fraud, and build behavioral profiles that inform how we communicate with you and how we prioritize and route your inquiry.

3.7 Third-Party Data Sources

In some cases, we may receive information about you from third-party sources, including co-registration partners, data aggregators, public records, and advertising platforms. We may combine this information with what we have already collected about you to enhance our records and improve our ability to match you with appropriate insurance products.

4. How We Use Your Information

We use the information we collect for the following purposes:

4.1 Lead Processing and Insurance Matching

4.2 Marketing and Communications

4.3 Automated Decision-Making and AI

4.4 Operations, Compliance, and Legal Obligations

4.5 Data Sale and Sharing (See Section 14 for Full Disclosure)

We may sell or share your personal information — including your contact information, demographic data, insurance interest data, and behavioral data — with insurance carriers, licensed agents, and marketing partners as further described in Sections 9 and 14 of this policy. You have rights to opt out of the sale of your personal information under applicable state law.

5. Telephone Consumer Protection Act (TCPA) Consent & Disclosures

FEDERAL TCPA CONSENT NOTICE: By submitting your information through our website, you provide your prior express written consent as defined under 47 U.S.C. § 227 and 47 C.F.R. § 64.1200 to receive marketing communications from Prodigy Innovative Ventures, its agents, and insurance partners at the telephone number(s) you provided, even if your number is listed on the National Do Not Call Registry. Consent is not a condition of purchasing any product or service.

5.1 Express Written Consent — Autodialed Calls to Mobile Phones

The TCPA requires prior express written consent before placing autodialed or prerecorded marketing calls or texts to mobile telephone numbers. "Prior express written consent" means an agreement, in writing, bearing the signature of the person called (including an electronic or digital signature), that clearly and conspicuously authorizes the seller to deliver or cause to be delivered to the person called advertisements or telemarketing messages using an automatic telephone dialing system (ATDS) or an artificial or prerecorded voice.

By completing and submitting our lead capture form, you are providing this prior express written consent. Your electronic submission constitutes your electronic signature for purposes of the TCPA and applicable state laws. The consent language is displayed on our lead capture form at the point of submission. We maintain timestamped records of your consent, including the consent language presented, your IP address, the date and time of submission, and the phone number for which consent was provided.

5.2 Express Written Consent — Prerecorded and Artificial Voice Messages

We may contact you using prerecorded voice messages or artificial voice technology (including AI-generated voice). Pursuant to the Federal Communications Commission's 2024 declaratory ruling, AI-generated voice calls are subject to TCPA restrictions applicable to artificial or prerecorded voice messages. Your consent under Section 5.1 covers prerecorded and AI-generated voice calls to your mobile phone number.

For calls to residential landline numbers, where TCPA permits prerecorded telemarketing calls with prior express written consent, your form submission constitutes that consent.

5.3 Predictive Dialer Disclosure

We use predictive dialing technology to place outbound calls efficiently. A predictive dialer is an automated telephone dialing system that dials multiple numbers simultaneously, connecting answered calls to available agents. If there is a delay between when you answer and when an agent connects, this is a characteristic of the predictive dialing system. When using a predictive dialer:

5.4 AI-Generated Text Message Consent

We may send you text messages (SMS/MMS) generated or assisted by artificial intelligence technology. AI-generated texts may be used to initiate contact, respond to your inquiries, schedule follow-up communications, or deliver information about insurance products. Your consent to receive autodialed text messages under Section 5.1 includes consent to receive AI-generated text messages. All text messages, whether AI-generated or human-composed, will clearly identify us as the sender.

5.5 Regular SMS Text Message Consent

In addition to AI-generated texts, we may send you standard SMS and MMS messages from our representatives. By submitting your information through our website, you consent to receive SMS communications from Prodigy Innovative Ventures and its insurance partners. Standard messaging rates from your carrier apply. Message frequency varies.

To stop all text messages: Reply STOP to any text message we send you. To receive help: Reply HELP. See Section 12 for complete SMS-specific disclosures.

5.6 Consent Is Not a Condition of Purchase

Your consent to receive marketing communications via phone, text, email, or any other channel is never a condition of purchasing insurance or obtaining any product or service from us or our insurance partners. You may receive insurance quotes and coverage options regardless of whether you provide or maintain consent to marketing communications.

5.7 Right to Revoke Consent — Any Reasonable Means

Pursuant to FCC rules effective April 11, 2025, you have the right to revoke your consent to receive marketing calls, texts, and other communications at any time, through any reasonable means. Reasonable means of revocation include, without limitation:

We will honor all revocation requests within 10 business days of receipt, as required by applicable law. Note that the FCC's "revoke-all" rule (requiring a single revocation to apply to all marketing from a sender) is scheduled to take effect January 31, 2027.

5.8 Calling Hours

We comply with all applicable restrictions on calling hours:

5.9 Frequency Limitations

We observe the following frequency limitations for our communications:

5.10 Message and Data Rates

Standard message and data rates from your wireless carrier may apply to text messages you receive from us or send to us. These charges are assessed by your carrier and are not controlled by us. Contact your wireless carrier for information about your plan's messaging rates.

5.11 National Do Not Call Registry

We scrub our calling lists against the National Do Not Call Registry maintained by the Federal Trade Commission. We do not place telemarketing calls to numbers registered on the National DNC Registry unless you have provided us with prior express written consent to do so. The consent you provide through our website overrides your National DNC registration for communications from us specifically, in accordance with federal law.

5.12 Lead Freshness and Consent Validity

In accordance with FTC Telemarketing Sales Rule (TSR) guidance, express written consent to contact you is valid for a period of 30 days from submission for purposes of initial outreach. However, if you engage with our representatives within that period, communications related to your active inquiry may continue beyond 30 days as necessary to serve your request for insurance coverage information.

6. State-Specific Telemarketing Disclosures

In addition to federal TCPA requirements, numerous states have enacted their own telemarketing and telephone solicitation laws ("mini-TCPA" statutes) that impose additional requirements and protections for residents of those states. The following disclosures apply to residents of the states listed below.

6.1 Florida — Florida Telephone Solicitation Act (FTSA)

The Florida Telephone Solicitation Act (Fla. Stat. § 501.059 et seq.) imposes requirements that are stricter in several respects than federal TCPA requirements. Florida residents have the following specific protections:

6.2 California

California telemarketing is governed by the California Public Utilities Code and the California Business and Professions Code § 17500 et seq., in addition to the federal TCPA. Registered telemarketers operating in California must comply with the California Do Not Call list as well as the National DNC Registry. California residents also enjoy robust privacy protections under the CCPA/CPRA (see Section 15.1). For telemarketing purposes:

6.3 Oklahoma

Oklahoma has enacted enhanced telemarketing statutes that expand enforcement mechanisms and provide a private right of action for consumers. Oklahoma residents receive all federal TCPA protections plus the following:

6.4 Washington State

Washington State's Enhanced Telecommunications Consumer Protection Laws (RCW Chapter 80.36) provide additional consumer protections for Washington residents:

6.5 Maryland

Maryland's telephone solicitation laws impose stricter consent requirements for telephone marketing to Maryland residents. Additionally:

6.6 Connecticut

Connecticut's telemarketing laws (Conn. Gen. Stat. § 42-288 et seq.) provide significant consumer protections, including:

6.7 New York

New York's telemarketing and consumer protection laws (NY General Business Law § 399-z et seq.) provide:

6.8 Pennsylvania

Pennsylvania's Telemarketer Registration Act requires registration with the Pennsylvania Attorney General for certain telemarketing activities. Additionally:

6.9 Additional States

We comply with applicable telemarketing laws in all states where we conduct marketing activities, including but not limited to state Do Not Call registries, disclosure requirements, calling hours, and registration requirements. If you are a resident of any state not specifically listed above and have questions about your state's telemarketing protections as they apply to our activities, please contact us at alex@ahainsure.com.

7. Call Recording & Monitoring Disclosure

CALL RECORDING NOTICE: Calls to and from Prodigy Innovative Ventures may be recorded or monitored for quality assurance, compliance, training, and legal documentation purposes. By calling us or accepting a call from us, you consent to such recording and monitoring.

7.1 Purpose of Call Recording

We may record calls for the following purposes:

7.2 Two-Party (All-Party) Consent States

The following states require the consent of all parties to a telephone conversation before the conversation may be recorded. If you are calling from or located in any of these states, both you and our representative must consent to recording. By engaging in a call with us while in one of these states, you are consenting to recording of that call.

In all other states, federal law and applicable state law permit recording with the consent of one party to the conversation. Our recording of calls in one-party consent states is conducted with the consent of at least one party (our representative). In two-party consent states, we provide verbal notice at the start of each call that the call is being recorded. Your continued participation in the call constitutes your consent to recording.

7.3 AI Training on Recorded Calls

Recorded calls, AI voice call transcripts, and text message exchanges may be used to train, test, and improve our AI communication systems, lead routing algorithms, and automated quality scoring tools. In states that require specific consent for the use of recorded communications for AI training purposes (including California under CPRA regulations), we obtain or rely on appropriate consent. If you wish to opt out of your recordings or transcripts being used for AI training purposes specifically, please contact us at alex@ahainsure.com with the subject line "AI Training Opt-Out."

8. AI & Automated Technology Disclosures

8.1 AI Voice Calls

We may use AI-generated voice technology to make outbound telephone calls or to handle inbound calls. Pursuant to the FCC's declaratory ruling issued in February 2024 (In re Advanced Methods to Target and Eliminate Unlawful Robocalls), AI-generated voice calls are considered "artificial or prerecorded voice" for TCPA purposes and require prior express written consent before being placed to mobile phone numbers for marketing purposes. Your submission of our lead capture form provides this consent.

When you are connected to an AI voice system, the system is designed to identify itself as an automated or AI-generated voice. If at any time during an AI voice call you wish to speak with a human representative, please state "speak to a human" or a similar request, and we will use commercially reasonable efforts to connect you with a live agent.

8.2 AI-Generated Text Messages

Our text messaging program may utilize AI technology to draft, personalize, and send text messages. AI-generated text messages are subject to the same TCPA consent requirements as other autodialed text messages. You have the right to opt out of all text communications by replying STOP to any message.

8.3 Disclosure of AI Interaction

In compliance with applicable state AI disclosure laws:

8.4 Behavioral Data Analysis and Automated Profiling

We may use automated systems to analyze your behavioral data — including your web browsing patterns, form interaction data, communication response patterns, and demographic information — to build a profile of your likely insurance needs and preferences. This profiling is used to:

This automated profiling may constitute "automated decision-making technology" (ADMT) under the California Privacy Rights Act and similar laws. See Section 15.1 for your rights regarding ADMT under California law.

8.5 Right to Human Review

If you believe an automated or AI-driven decision has adversely affected your ability to obtain insurance information or services from us, you have the right to request that a human review the decision. To exercise this right, please contact us at alex@ahainsure.com or call (850) 547-6423.

8.6 AI Systems We May Use

Our AI and automated systems may include, without limitation: automated lead scoring algorithms, AI-powered voice calling platforms, AI text messaging systems, behavioral analytics tools, and predictive dialing technology. These systems process personal information as described in this policy. We take reasonable steps to ensure these systems operate lawfully and in accordance with our privacy commitments.

9. Lead Distribution & Data Sharing

LEAD SHARING DISCLOSURE: When you submit your information through our website, your information will be shared with licensed insurance agents and carriers for the purpose of providing you with life insurance quotes and coverage options. By submitting the form, you consent to being contacted by multiple licensed insurance agents and/or carriers. Each agent or carrier you are connected with may have its own privacy policy and communication practices.

9.1 Lead Management Platform

We use a third-party lead management and distribution platform to process, store, route, and distribute your inquiry to qualified insurance agents and carriers. This platform operates as a data processor on our behalf and is contractually obligated to handle your information securely and in accordance with applicable privacy laws. The platform receives your personal information (including name, contact information, demographic data, and insurance interest data) and may distribute it to multiple insurance partners who have contracted with us to receive leads matching your profile.

9.2 Insurance Carriers and Licensed Agents

Your personal information, including your name, address, telephone number(s), email address, age, insurance interests, and other information you provide, may be shared with:

Each recipient of your lead information is expected to be licensed in your state and to comply with applicable telemarketing, privacy, and insurance laws. However, we cannot guarantee the actions of independent third-party agents and carriers after your information is shared with them. If you receive unwanted contacts from an insurance agent or carrier after we share your lead, you should request to be removed from their contact list directly.

9.3 Consent to Multiple Contacts

By submitting your information, you acknowledge and consent to being contacted by more than one licensed insurance agent or carrier. This is inherent to the nature of an insurance lead generation service and is intended to maximize your options for obtaining appropriate coverage. Each agent or carrier that contacts you will be acting independently.

9.4 Service Providers and Vendors

We share personal information with third-party vendors and service providers that support our operations, including:

These vendors are authorized to use your information only as necessary to provide services to us and are required by contract to protect your information.

9.5 Legal Disclosures

We may disclose personal information to law enforcement, government regulators, courts, or other parties when required by applicable law, court order, subpoena, or other legal process, or when we believe in good faith that disclosure is necessary to protect our rights, prevent fraud, or protect the safety of any person.

9.6 Business Transfers

In the event of a merger, acquisition, sale of assets, or other business transaction involving Prodigy Innovative Ventures, your personal information may be transferred to the acquiring or surviving entity as part of that transaction. We will provide notice to the extent practicable before your information is transferred and becomes subject to a different privacy policy.

9.7 Right to Opt Out of Lead Sharing

You have the right to request that we not share or sell your personal information with insurance partners and agents. To exercise this right, contact us at alex@ahainsure.com or call (850) 547-6423. Please note that opting out of lead sharing will mean we cannot fulfill your request for insurance quotes, as connecting you with licensed agents is the core purpose of our service. Exercising this right is entirely your choice and will not result in retaliation or discriminatory treatment.

10. Direct Mail Communications

10.1 Direct Mail Marketing

We may contact you via direct mail — physical letters, postcards, and marketing materials sent to your mailing address — regarding life insurance products and services. If you provide your mailing address through our lead capture form, you may receive direct mail from us and/or from insurance carriers and agents to whom your lead is distributed.

10.2 Compliance with Direct Mail Requirements

All direct mail materials sent by us will include:

10.3 Mailing List Compliance

We use privacy-compliant mailing lists and check applicable state do-not-mail lists before sending direct mail solicitations. We maintain records of all direct mail materials sent and the lists used, in compliance with applicable regulations.

10.4 Opting Out of Direct Mail

To opt out of receiving direct mail marketing from us, contact us by any of the following methods:

Please allow 30 days for direct mail opt-outs to take effect, as materials may already be in the printing or mailing queue. Note that opting out of our direct mail will not automatically remove you from the mailing lists of insurance carriers or agents to whom your information has already been distributed; you will need to contact those parties separately.

11. Email Communications

11.1 CAN-SPAM Act Compliance

Our commercial email communications comply with the federal CAN-SPAM Act of 2003 (15 U.S.C. § 7701 et seq.). Each commercial email we send includes:

11.2 Types of Email Communications

We may send the following types of email:

11.3 Opting Out of Email

To opt out of commercial marketing emails from us, click the "Unsubscribe" link at the bottom of any marketing email we send, or email alex@ahainsure.com with the subject line "Email Opt-Out." Opt-out requests will be honored within 10 business days. Note that even after you opt out of marketing emails, you may continue to receive transactional emails related to your active inquiry.

12. SMS / Text Message Program Disclosures

SMS PROGRAM SUMMARY: By submitting our lead capture form and providing your mobile phone number, you opt into our SMS text messaging program. Message and data rates may apply. Message frequency varies. Reply STOP to cancel at any time. Reply HELP for help.

12.1 Opt-In to Text Messages

You opt into our SMS program by providing your mobile phone number on our lead capture form and agreeing to our consent language, which is displayed at the point of form submission. This constitutes your prior express written consent to receive autodialed and AI-generated text messages from Prodigy Innovative Ventures and its insurance partners at the number you provided. You are not required to agree to receive text messages to obtain a quote or to use our services.

12.2 Types of Text Messages

After opting in, you may receive the following types of text messages:

12.3 Message Frequency

Message frequency varies based on the status of your inquiry and your responsiveness. During active outreach (typically the first 7–14 days after form submission), you may receive up to several messages per week. Message frequency will decrease if you indicate that you have obtained coverage or are no longer interested. Florida residents will receive no more than three (3) messages per 24-hour period regarding the same subject matter.

12.4 How to Stop Text Messages — STOP Command

To stop all text messages from us, reply STOP to any text message we send. Acceptable opt-out keywords include: STOP, QUIT, CANCEL, UNSUBSCRIBE, END. After receiving your STOP reply, we will send one final confirmation message and will not send further marketing text messages to your number. Your opt-out will be processed within 10 business days.

12.5 HELP Command

To receive help or information about our text messaging program, reply HELP to any text message. You will receive a response containing our contact information and instructions for opting out. You may also contact us at alex@ahainsure.com or (850) 547-6423.

12.6 Message and Data Rates

Standard message and data rates charged by your wireless carrier may apply to text messages sent to or received from us. These charges are billed by your carrier according to your plan; we do not control these charges and do not charge separately for text messages. Contact your wireless carrier if you have questions about messaging rates.

12.7 Supported Carriers

Our SMS program is available on most major U.S. wireless carriers, including but not limited to: AT&T, T-Mobile, Verizon, Sprint (T-Mobile), U.S. Cellular, Boost Mobile, Cricket Wireless, and Metro by T-Mobile. Carrier availability may vary. Carriers are not liable for delayed or undelivered messages.

12.8 Short Codes and Long Codes

We may send text messages from short codes (5- or 6-digit numbers), long codes (10-digit phone numbers), or toll-free numbers. All messages will identify us as the sender. Do not provide personal financial information or passwords in response to text messages purporting to be from us.

13. Cookies, Tracking Technologies & Behavioral Data

13.1 Types of Cookies We Use

Cookie Type Purpose Duration
Strictly Necessary Enable core website functionality; maintain your session and form state Session
Analytics / Performance Measure how visitors use our site; identify high-traffic pages; improve site performance Up to 2 years
Advertising / Targeting Track visits to enable retargeted advertising on other platforms; measure ad campaign effectiveness Up to 90 days
Functional Remember your preferences; enable enhanced functionality Up to 1 year

13.2 Third-Party Analytics

We may use third-party analytics services to collect and analyze usage data from our website. These services may set their own cookies and collect information about your online activities over time and across different websites. Common analytics providers include Google Analytics (Google LLC), and similar services. Information collected by these providers is subject to their own privacy policies.

13.3 Advertising and Retargeting Pixels

We use advertising pixels — small pieces of code embedded in our web pages — from platforms such as Google Ads and Meta (Facebook) to measure advertising campaign performance and to enable retargeted advertising. When you visit our website, these pixels record the visit and may use that information to display our advertisements to you on other websites you visit. This retargeting is based on your prior interaction with our website, not on personal information you have directly provided to us.

13.4 Behavioral Profiling

We may use session recording and behavioral analytics tools to collect data about how you interact with our website, including mouse movements, clicks, keystrokes, and form completion patterns. This information is used to optimize our website design, improve form conversion rates, and detect fraud. Behavioral data may also be combined with your personal information to build a profile used for lead scoring and routing purposes as described in Section 8.4.

13.5 Do Not Track

Some browsers transmit "Do Not Track" (DNT) signals to websites. We currently do not alter our data collection practices in response to DNT signals because no uniform standard for recognizing and honoring DNT signals has been established. State privacy laws provide opt-out rights for targeted advertising that are more specific and enforceable than DNT signals; see Section 15 for state-specific opt-out mechanisms.

13.6 Cookie Opt-Out Options

You may manage cookie settings through the following mechanisms:

14. Sale and Sharing of Personal Information

DATA SALE DISCLOSURE: We may sell or share your personal information — including name, address, phone number, email, age, insurance interests, and behavioral data — with insurance carriers, licensed agents, and marketing partners as described in this section. Residents of states with comprehensive privacy laws have the right to opt out of the sale or sharing of their personal information. To opt out, contact us at alex@ahainsure.com or call (850) 547-6423.

14.1 What We Sell or Share

The following categories of personal information may be sold or shared with third parties:

14.2 Who We Sell or Share With

We sell or share personal information with:

We do not sell personal information to unaffiliated parties for purposes unrelated to life insurance and financial products marketing.

14.3 Right to Opt Out of Sale

If you are a resident of California, Virginia, Colorado, Connecticut, Texas, Florida, or any other state with a comprehensive privacy law that includes a right to opt out of the sale or sharing of personal information, you may exercise that right by:

We will process opt-out requests within the timeframes required by applicable state law (generally 15–45 days). Note that opting out of the sale of your personal information will limit our ability to connect you with licensed insurance agents.

14.4 Financial Incentives

We do not offer financial incentives in exchange for your consent to the sale or sharing of your personal information, nor do we penalize you for exercising your opt-out rights.

15. State Privacy Rights

As of the effective date of this policy, twenty (20) states have enacted comprehensive consumer privacy laws that grant residents specific rights regarding their personal information. This section describes those rights on a state-by-state basis. If your state is not listed, you may still have rights under other applicable state or federal laws; please contact us if you have questions.

15.1 California — CCPA / CPRA

California residents have rights under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA), codified at Cal. Civ. Code § 1798.100 et seq. The CPRA is enforced by the California Privacy Protection Agency (CPPA).

Your Rights:

Submitting a California Privacy Request: Submit requests to know, delete, correct, or opt out by emailing alex@ahainsure.com with "California Privacy Request" in the subject line, or by calling (850) 547-6423. We will verify your identity before processing your request (e.g., by matching information you provide to records we already hold). You may designate an authorized agent to submit requests on your behalf; we will require written authorization. We will respond within 45 days; we may extend this period by an additional 45 days when reasonably necessary. CCPA violations may be subject to civil penalties of $2,500 per unintentional violation and $7,500 per intentional violation, enforced by the California Attorney General and the CPPA.

15.2 Virginia — VCDPA

Virginia residents have rights under the Virginia Consumer Data Protection Act (Va. Code § 59.1-571 et seq., effective January 1, 2023). Virginia residents have the right to:

Submit requests to: alex@ahainsure.com. We will respond within 45 days. If we deny your request, you may appeal our decision by contacting us and indicating you wish to appeal. If your appeal is denied, you may contact the Virginia Attorney General.

15.3 Colorado — CPA

Colorado residents have rights under the Colorado Privacy Act (C.R.S. § 6-1-1301 et seq., effective July 1, 2023). Colorado residents have the right to:

Submit requests to: alex@ahainsure.com. We will respond within 45 days.

15.4 Texas — TDPSA

Texas residents have rights under the Texas Data Privacy and Security Act (Tex. Bus. & Com. Code § 541.001 et seq., effective July 1, 2024). Texas residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) the sale of personal data, (2) targeted advertising, and (3) automated profiling for decisions with legal or similarly significant effects. Submit requests to: alex@ahainsure.com. We will respond within 45 days.

15.5 Florida — Florida Digital Bill of Rights

Florida residents have rights under the Florida Digital Bill of Rights (Fla. Stat. § 501.701 et seq., effective July 1, 2023, as amended). Florida residents have the right to access their personal data, correct inaccuracies, delete their data, opt out of the sale of personal data and targeted advertising, and opt out of automated decision-making technology. As a Florida-based business, we are particularly committed to compliance with Florida privacy and telemarketing laws. Submit requests to: alex@ahainsure.com.

15.6 Connecticut — CTDPA

Connecticut residents have rights under the Connecticut Data Privacy Act (Conn. Gen. Stat. § 42-515 et seq., effective July 1, 2023). Connecticut residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com. We will respond within 45 days. Denied requests may be appealed.

15.7 Utah — UCPA

Utah residents have rights under the Utah Consumer Privacy Act (Utah Code § 13-61-101 et seq., effective December 31, 2023). Utah residents have the right to access and obtain a copy of their personal data, delete personal data they provided to us, and opt out of the processing of personal data for (1) targeted advertising and (2) the sale of personal data. Submit requests to: alex@ahainsure.com. We will respond within 45 days.

15.8 Oregon — OCPA

Oregon residents have rights under the Oregon Consumer Privacy Act (ORS Chapter 646A, effective July 1, 2024). Oregon residents have the right to access, correct, delete, and obtain a copy of their personal data, to know the categories of third parties to whom we have disclosed personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.9 Montana — MCDPA

Montana residents have rights under the Montana Consumer Data Privacy Act (Mont. Code Ann. § 30-14-3001 et seq., effective October 1, 2024). Montana residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for decisions with legal or similarly significant effects. Submit requests to: alex@ahainsure.com.

15.10 Delaware — DPDPA

Delaware residents have rights under the Delaware Personal Data Privacy Act (Del. Code tit. 6, §§ 12D-101 et seq., effective January 1, 2025). Delaware residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling. Submit requests to: alex@ahainsure.com.

15.11 Iowa — ICDPA

Iowa residents have rights under the Iowa Consumer Data Protection Act (Iowa Code § 715D.1 et seq., effective January 1, 2025). Iowa residents have the right to access their personal data, delete personal data they provided directly to us, obtain a copy of their personal data, and opt out of (1) the sale of personal data and (2) targeted advertising. Submit requests to: alex@ahainsure.com.

15.12 Nebraska — NDPA

Nebraska residents have rights under the Nebraska Data Privacy Act (Neb. Rev. Stat. § 87-301 et seq., effective January 1, 2025). Nebraska residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.13 New Hampshire — NHPA

New Hampshire residents have rights under the New Hampshire Privacy Act (RSA 507-H, effective January 1, 2025). New Hampshire residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling with legal or significant effects. New Hampshire is also a two-party consent state for call recording (see Section 7.2). Submit requests to: alex@ahainsure.com.

15.14 New Jersey — NJDPA

New Jersey residents have rights under the New Jersey Data Privacy Act (P.L.2023, c.266, effective January 15, 2025). New Jersey residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.15 Tennessee — TIPA

Tennessee residents have rights under the Tennessee Information Protection Act (Tenn. Code Ann. § 47-18-3201 et seq., effective July 1, 2025). Tennessee residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.16 Minnesota — MNDPA

Minnesota residents have rights under the Minnesota Consumer Data Privacy Act (Minn. Stat. § 325O.01 et seq., effective July 31, 2025). Minnesota residents have the right to access, correct, delete, and obtain a copy of their personal data, to know the categories of third parties to whom their data has been disclosed, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.17 Indiana — ICDPA

Indiana residents have rights under the Indiana Consumer Data Protection Act (Ind. Code § 24-15-1-1 et seq., effective January 1, 2026). Indiana residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.18 Kentucky — KCDPA

Kentucky residents have rights under the Kentucky Consumer Data Protection Act (KRS § 367.381 et seq., effective January 1, 2026). Kentucky residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for decisions with legal or similarly significant effects. Submit requests to: alex@ahainsure.com.

15.19 Rhode Island — RIDPA

Rhode Island residents have rights under the Rhode Island Data Transparency and Privacy Protection Act (R.I. Gen. Laws § 6-48.1-1 et seq., effective January 1, 2026). Rhode Island residents have the right to access, correct, delete, and obtain a copy of their personal data, and to opt out of (1) targeted advertising, (2) the sale of personal data, and (3) automated profiling for significant decisions. Submit requests to: alex@ahainsure.com.

15.20 How to Submit a State Privacy Rights Request

To exercise any of the state privacy rights described in this section, please submit your request by any of the following methods:

Email: alex@ahainsure.com
Please use the subject line: "[State] Privacy Rights Request" (e.g., "California Privacy Rights Request")

Phone: (850) 547-6423

Mail: Prodigy Innovative Ventures, West Palm Beach, FL

To protect your privacy and security, we will verify your identity before processing requests to access, delete, or correct your personal information. Verification typically involves confirming information you previously provided to us. We will not fulfill requests where we are unable to verify your identity. Response times vary by state, but we will generally respond within 45 days. We will not charge a fee for the first verifiable consumer request in a 12-month period. We may deny requests where exceptions apply under applicable law (e.g., legal obligations, defense of legal claims). If we deny your request, we will tell you why and, where applicable, describe the appeals process available to you.

16. Children's Privacy

Our website and services are directed exclusively to adults. We do not intentionally market our services to individuals under the age of 18. We do not knowingly collect, use, or disclose personal information from anyone under the age of 18. Our lead capture forms require users to confirm or select an age range that indicates they are an adult. If you are a parent or guardian and believe that your child under 18 has provided personal information to us without your consent, please contact us immediately at alex@ahainsure.com or (850) 547-6423. We will take prompt steps to delete that information from our records.

We do not knowingly sell or share the personal information of minors under the age of 16. Consistent with the CCPA, we do not sell or share the personal information of consumers we actually know are under 16 years of age without affirmative authorization.

17. Data Security

We implement commercially reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, acquisition, use, alteration, disclosure, or destruction. These measures include, where appropriate:

No security measure is perfect. Despite our best efforts, no method of data transmission over the internet and no method of electronic storage is 100% secure. We cannot guarantee that unauthorized third parties will never be able to defeat our security measures or misuse your personal information. In the event of a data security breach affecting your information, we will notify you and applicable regulatory authorities as required by applicable law.

18. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, subject to the following considerations:

When personal information is no longer needed for the purposes for which it was collected and we have no legal obligation to retain it, we will delete or anonymize it. If you submit a request for deletion under applicable state law, we will assess the request against these retention requirements and applicable legal exceptions, and provide you with a response indicating what we are able to delete and what we must retain and why.

19. International Users

Our website and services are intended solely for residents of the United States. We do not knowingly collect personal information from persons located outside of the United States. If you are accessing our website from outside the United States, please be aware that your information will be transmitted to, stored, and processed in the United States, where privacy laws may differ from those in your country. By accessing our website from outside the United States, you acknowledge that your information will be subject to United States law as described in this Privacy Policy.

This Privacy Policy does not address, and we are not responsible for, compliance with the General Data Protection Regulation (GDPR) or similar non-U.S. privacy laws.

20. Changes to This Privacy Policy

We may update, revise, or amend this Privacy Policy from time to time to reflect changes in our practices, services, applicable laws, or regulatory guidance. When we make material changes, we will:

Your continued use of our website or services after the effective date of any changes constitutes your acceptance of the revised policy. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information. If you disagree with any changes, you should discontinue use of our website and contact us to request deletion of your information or to exercise other applicable rights.

21. Contact Us & Exercising Your Rights

If you have questions or concerns about this Privacy Policy, wish to exercise any of the rights described in this policy, want to opt out of communications, wish to revoke TCPA consent, or have a complaint about our privacy practices, please contact us using the information below. We take privacy rights requests seriously and will respond promptly.

Prodigy Innovative Ventures
West Palm Beach, FL

Phone: (850) 547-6423
Email: alex@ahainsure.com

For privacy rights requests, please use the subject line identifying your state and the right you wish to exercise (e.g., "California — Right to Delete" or "Florida — Opt Out of Sale"). Include your full name, mailing address, and the phone number and/or email address associated with your inquiry so that we can locate your records and verify your identity.

For TCPA revocation or telemarketing opt-out requests, include your name and the phone number(s) and/or email address(es) you wish to remove. Revocation of TCPA consent will be honored within 10 business days.

For direct mail opt-out requests, include your full name and mailing address. Allow 30 days for processing.

National Do Not Call Registry: You may also register your telephone number at www.donotcall.gov to reduce unwanted telemarketing calls from multiple companies. Registration on the National DNC Registry does not remove you from our calling list if you have provided prior express written consent, but it does limit calls from other companies who do not have your consent.

This Privacy Policy was prepared for Prodigy Innovative Ventures. It reflects federal law (TCPA, CAN-SPAM, FTC TSR), Florida law (FTSA, Florida Digital Bill of Rights), and the comprehensive privacy statutes of 20 states as of the effective date. This policy should be reviewed with qualified legal counsel and updated as laws change. Nothing in this policy constitutes legal advice.