Privacy Policy

1. Introduction

Advanced Financial Planning LLC ("we," "us," "our") operates Halo Agent Hub ("Halo," "the Platform") at haloagent.io. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our Platform or interact with our agents via phone, text message, or online forms.

2. Information We Collect

We collect information in the following ways:

Information You Provide

• Name, email address, phone number, and mailing address
• Date of birth, gender, and health-related information (for insurance quoting purposes)
• Insurance policy details and preferences
• Communications with our agents (including text messages and call records)

Information from Lead Forms

• Data submitted through Facebook/Meta lead inquiry forms
• Data submitted through online calendar booking pages
• Data submitted through our website contact forms

Automatically Collected Information

• Device type, browser type, and IP address
• Usage data and interaction with the Platform

3. How We Use Your Information

• To provide insurance quotes, policy recommendations, and related services
• To communicate with you via phone, email, and SMS/text messages about your insurance inquiries
• To send appointment confirmations, reminders, and follow-up communications
• To manage your account and provide customer support
• To improve our Platform and services
• To comply with legal and regulatory requirements

4. SMS/Text Messaging

We may send SMS/text messages to the phone number you provide through our web lead form, Facebook/Meta lead inquiry forms, online calendar bookings, or direct communication with our agents. These messages may include:

• Appointment confirmations and reminders
• Follow-up messages regarding your insurance inquiry
• Policy status updates
• Responses to your questions

Consent — How You Opt In: You consent to receive SMS/text messages from Advanced Financial Planning LLC through any of the following opt-in channels:

• Web lead form at haloagent.io/get-started, which requires you to actively check a visible consent box before submission. The consent disclosure reads exactly: "I agree to be contacted by Advanced Financial Planning LLC by phone, text (SMS), or email regarding insurance options, including by automated means. I understand that message and data rates may apply, message frequency varies (up to 10 messages/month), and I can reply STOP to opt out or HELP for help at any time. My consent is not a condition of purchase. My mobile opt-in information and consent will not be shared with third parties for marketing purposes."
• Facebook/Meta lead inquiry formswith disclosure language: "By submitting this form, I agree to be contacted by phone, text, or email regarding insurance options, including by automated means."
• Online calendar booking pages with equivalent disclosure language shown prior to submission.

Opt-Out: You may opt out at any time by replying STOP to any text message. You will receive a confirmation and no further messages will be sent.

Help: Reply HELP for assistance or contact support@haloagent.io.

Message Frequency: Message frequency varies. You may receive up to 10 messages per month.

Costs: Message and data rates may apply. Contact your wireless carrier for details about your plan.

No SMS Data Sharing: We do not sell, rent, or share your mobile phone number or SMS opt-in data with third parties for their marketing purposes.

5. How We Share Your Information

We do not sell your personal information. We may share information with:

• Insurance carriers — to process applications and obtain quotes on your behalf
• Service providers — who assist us in operating the Platform (hosting, communications, analytics)
• Legal compliance — when required by law, regulation, or legal process

6. Data Security

We implement industry-standard security measures to protect your information, including encryption in transit and at rest, row-level security for data isolation, secure authentication, and access controls. However, no method of transmission over the internet is 100% secure.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Upon account termination, you may export your data within 30 days.

8. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of SMS communications (reply STOP)
• Opt out of marketing emails (unsubscribe link)

To exercise these rights, contact us at support@haloagent.io.

9. Children's Privacy

The Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or in-app notification. Continued use of the Platform after changes constitutes acceptance.