Privacy Policy

1. Introduction

Prosper With Pro ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information submitted through our website at prosperwithpro.com and associated contact forms.

By using our website or submitting a contact form, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms described herein, please do not use our website or submit personal information.

2. Information We Collect

We collect information in the following categories:

3. How We Use Your Information

We use the information we collect for the following purposes:

• Respond to consultation requests and general inquiries in a timely manner
• Schedule appointments and follow up regarding financial planning services
• Send relevant financial education content and service updates, with your prior consent
• Improve our website experience, content, and service offerings
• Comply with applicable legal obligations and regulatory requirements
• Prevent fraud, unauthorized access, and ensure the security of our systems

4. Email Communications — CAN-SPAM Act Compliance

We comply fully with the CAN-SPAM Act of 2003. In accordance with this law:

• Every marketing or promotional email we send includes our physical mailing address
• Every marketing email includes a clear and conspicuous unsubscribe link
• We honor all opt-out and unsubscribe requests within 10 business days
• We never use deceptive subject lines, misleading header information, or false sender addresses
• Commercial emails are clearly identified as advertisements where required

5. Telephone & SMS Communications — TCPA Compliance

We comply with the Telephone Consumer Protection Act (TCPA). Please read the following carefully:

• By submitting our contact form and affirmatively checking the consent checkbox, you expressly consent to receive calls and/or text messages from Prosper With Pro regarding your inquiry and related services
• Your consent to receive SMS or calls is not a condition of purchase or service
• We do not use automated dialing systems or pre-recorded messages for unsolicited calls
• Standard message and data rates may apply for SMS communications

6. Information Sharing & Disclosure

We may share your information only in the following limited circumstances:

• Service Providers: Licensed third-party vendors who assist us in operating our website and communications (e.g., email platform, appointment scheduling software), bound by confidentiality obligations and prohibited from using your data for any other purpose.
• Insurance & Financial Carriers: As necessary to fulfill your specific inquiry (e.g., obtaining quotes for insurance or annuity products you requested), and only with your knowledge.
• Legal Authorities: When required by law, court order, or government regulation, or to protect the rights, property, or safety of our company or others.

We never share your personal information with unaffiliated third-party marketers.

7. Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies:

• Essential Cookies: Required for core website functionality, navigation, and security. These cannot be disabled without affecting website performance.
• Analytics Cookies: Used to understand how visitors interact with our site (e.g., Google Analytics or similar tools), helping us improve content and user experience. Data collected is aggregated and anonymized where possible.

You may disable cookies through your browser settings at any time; however, some features of our website may not function as intended. We do not use cookies for cross-site advertising or behavioral tracking.

8. Data Security

We take reasonable technical and organizational measures to protect your information, including:

• Industry-standard SSL (TLS) encryption for all data transmitted to and from our website
• Restricted access to personal data on a strict need-to-know basis
• Regular security reviews and updates to our systems and practices

Please note: No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

9. Data Retention

We retain personal information submitted through contact forms for up to 36 months, or for as long as necessary to fulfill the purpose for which it was collected, to maintain accurate business records, or as required by applicable law.

After the applicable retention period, information is securely deleted or anonymized. You may request earlier deletion at any time — see Section 10 (Your Rights) below.

10. Your Rights — Including California Residents (CCPA)

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

11. Children's Privacy

Our website and financial planning services are not directed to individuals under the age of 18. We do not knowingly collect, solicit, or retain personal information from minors.

If you believe we have inadvertently collected information from a minor, please contact us immediately at info@prosperwithpro.com and we will delete that information promptly.

12. Financial Services Disclosure

Information collected through this website may be used to facilitate conversations about insurance, annuity, and investment products offered by licensed carriers.

• Parag Shah is a licensed financial and insurance professional
• Product availability, features, and terms vary by state and carrier
• Submission of a contact or inquiry form does not constitute a binding agreement, guarantee of coverage, or commitment to any specific product or rate
• Prosper With Pro does not provide legal or tax advice; clients should consult qualified legal and tax professionals for those matters

13. Third-Party Links

Our website may contain links to third-party websites (for example, umustsee.net for the iDecide financial assessment tool). These links are provided for your convenience.

We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any external site before submitting personal information.

14. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make changes, we will update the "Last Updated" date at the top of this page.

Your continued use of our website following the posting of changes constitutes your acceptance of such changes. We encourage you to review this page periodically. For material changes, we will make reasonable efforts to provide prominent notice.

15. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or our data practices, please contact us: