Privacy Policy

The Prestige Advisor LLC (“The Prestige Advisor,” “Company,” “we,” “our,” or “us”) respects your privacy and recognizes the importance of safeguarding your personal, financial, and health-related information.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information obtained through our website at https://theprestigeadvisor.com, insurance consultation services, online forms, customer relationship management systems, telephone communications, email, text messaging, and artificial intelligence-assisted customer service tools.

We provide insurance brokerage and related services, including health, life, dental, vision, supplemental, and other insurance products, subject to applicable licensing and product availability.

Depending on the services you request, we may collect the following categories of information.

A. Personal Information

• Full name and contact information.
• Residential and mailing address.
• Email address and telephone number.
• Date of birth and age.
• Household composition and dependent information.
• Employment and occupation details.

B. Insurance and Financial Information

• Current insurance coverage.
• Insurance eligibility and application information.
• Household income and financial eligibility information.
• Policy numbers and relevant coverage history.
• Information required for carrier underwriting and enrollment.

C. Sensitive Personal Information

When necessary for legitimate insurance-related purposes, we may collect:

• Health conditions and medical history.
• Prescription medication information.
• Social Security numbers.
• Dates of birth.
• Household income and other financial information.

We seek to collect only the information reasonably necessary to provide requested services and fulfill applicable legal obligations.

D. Website and Technical Information

Our website and technology providers may collect device information, browser type, IP address, website interactions, cookies, and related technical data, depending on the technologies deployed.

We may use collected information to:

• Respond to insurance inquiries and provide consultations.
• Identify potentially suitable insurance products.
• Prepare insurance quotations and applications.
• Assist with enrollment, underwriting, and policy servicing.
• Communicate with insurance carriers and authorized partners.
• Schedule consultations and appointment reminders.
• Send insurance-related updates and authorized marketing communications.
• Provide customer service through human representatives and AI-assisted systems.
• Prevent fraud and protect information systems.
• Maintain required records and comply with legal and regulatory obligations.

We do not use sensitive information for unrelated purposes without an appropriate legal basis or authorization.

The Prestige Advisor LLC uses customer relationship management technology to manage insurance inquiries and deliver follow-up communications.

Where required, consumers must provide appropriate consent before receiving automated marketing text messages, artificial or prerecorded voice calls, or other regulated marketing communications.

Our SMS program may include insurance inquiries, appointment reminders, coverage information, enrollment follow-ups, and promotional messages.

SMS Terms

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out of the applicable SMS program.
• Reply HELP for assistance, where supported.
• Contact 866-610-6364 for additional support.
• Consent to marketing communications is not a condition of purchasing insurance or obtaining our services.

We maintain appropriate consent and opt-out records and honor applicable revocation requests.

Mobile Information Sharing

Mobile telephone numbers, SMS opt-in information, and messaging consent are not sold or shared with third parties or affiliates for their independent marketing or promotional purposes. Information may be disclosed to messaging platforms and service providers as necessary to operate authorized communications.

Email Marketing

Marketing emails will include applicable sender identification and an unsubscribe mechanism. We process unsubscribe requests in accordance with applicable law.

The Prestige Advisor LLC uses or may use AI-powered chatbots, virtual assistants, and automated voice agents to assist with insurance inquiries, appointment scheduling, customer support, and authorized follow-up communications.

These systems may process information supplied during conversations, including contact details, insurance interests, and other information relevant to a consumer's inquiry.

AI-assisted responses are intended to support, not replace, appropriately licensed insurance professionals.

We do not represent that AI-generated responses constitute binding insurance offers, underwriting decisions, or guaranteed coverage.

Where required by law, we provide disclosures or obtain consent relating to automated or artificial voice communications, call recording, or other AI-assisted interactions.

Consumers may request assistance from a human representative.

Consumers should avoid submitting Social Security numbers or detailed medical information through general-purpose chat interfaces unless a specifically authorized secure collection process is provided.

We may share personal information with authorized recipients where reasonably necessary and legally permitted, including:

• Insurance carriers and underwriting departments.
• Licensed insurance agencies and brokerage partners.
• Insurance application and enrollment providers.
• CRM, telecommunications, messaging, and email service providers.
• AI technology providers acting on our behalf.
• Website hosting, security, and administrative service providers.
• Regulators, courts, and government agencies when legally required.

Such disclosures may be necessary to provide insurance services, fulfill consumer requests, maintain systems, or satisfy legal obligations.

We do not authorize service providers receiving information solely on our behalf to use it for unrelated independent marketing.

Any disclosures to nonaffiliated third parties remain subject to applicable insurance privacy requirements, consumer notices, and opt-out or authorization rights.

We recognize that health, Social Security, and financial information requires heightened protection.

We seek to maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information and applicable legal requirements.

Depending on our activities and relationships, privacy and security obligations may arise under the Gramm-Leach-Bliley Act, HIPAA, Florida law, and other applicable regulations.

HIPAA does not automatically apply to every insurance brokerage activity. Where applicable, HIPAA-specific requirements will be followed.

No electronic system can guarantee absolute security.

We retain personal information only for periods reasonably necessary to fulfill insurance-related purposes, maintain required records, respond to inquiries, resolve disputes, protect legitimate business interests, and comply with applicable laws.

Retention periods vary according to information type, insurance transaction, and applicable legal requirements.

When information is no longer required, we seek to securely delete, destroy, or de-identify it as appropriate.

Our website may use cookies and similar technologies to operate website features, evaluate traffic, improve user experience, and support marketing activities.

Depending on the technologies actually deployed, certain third-party analytics or advertising services may collect information about website interactions.

Visitors may manage cookies through browser controls or available website privacy settings. Additional consent, disclosures, or opt-out mechanisms will be provided where required by applicable law.

Depending on applicable law, consumers may have rights to request access to personal information, correct inaccuracies, request deletion, restrict certain disclosures, or withdraw consent.

Certain information may be exempt from deletion or disclosure requests due to insurance recordkeeping, fraud prevention, legal obligations, or other applicable exceptions.

Privacy inquiries may be submitted to: info@theprestigeadvisor.com

We may verify the identity of individuals submitting privacy requests.

Our general website is not directed toward children under 13.

We do not knowingly collect information directly from children under 13 through our general website without any legally required consent.

Information concerning minor dependents may be collected from parents or legal guardians where necessary for insurance applications and enrollment.

Our website may link to independently operated insurance carriers, enrollment platforms, and other websites.

We are not responsible for the privacy practices of independent third parties. Consumers should review their respective privacy policies.

If a security incident affects personal information, we will assess the circumstances and provide notifications to affected individuals, regulators, or other parties where required by applicable law.

We may revise this Privacy Policy to reflect changes in our operations, technology, services, or legal obligations.

Updated versions will be posted with the applicable revision date. Additional notice or consent will be provided where required.

The Prestige Advisor LLC 1000 Fifth St Miami Beach, FL 33139 Email: info@theprestigeadvisor.com Telephone: 866-610-6364 Website: https://theprestigeadvisor.com Privacy Policy: https://theprestigeadvisor.com/privacy-policy