Website	prosprinsurance.com
Company	Prospr Insurance Solutions LLC
Email	hugo@prosprinsurance.com
Phone	(877) 318-2816
Location	Miami-Dade and Broward Counties, Florida

1. Introduction

Prospr Insurance Solutions LLC ("Prospr," "we," "us," or "our") operates prosprinsurance.com and related digital properties. We are a licensed insurance agency in the State of Florida providing life insurance, health insurance, and related financial products and services.

This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website, submit a lead form, contact us, or communicate with us via phone, email, or text message. By using our website or submitting your information, you agree to the terms of this Privacy Policy.

If you do not agree with this Privacy Policy, please do not use our website or submit your information.

2. Information We Collect

2.1 Information You Provide Directly

When you complete a contact form, quote request, or lead form on our website, we may collect:

Full name
Email address
Phone number (mobile and/or landline)
Date of birth and age
Zip code, city, and state
Household size and income range (for ACA/health plan purposes)
Insurance needs and current coverage status
Any other information you voluntarily provide in free-text fields

2.2 Information Collected Automatically

When you visit prosprinsurance.com, we and our third-party partners may automatically collect:

IP address and approximate geographic location
Browser type, device type, and operating system
Pages visited, time on page, and click behavior
Referring URL and search terms that led you to our site
Cookie identifiers and tracking pixels (see Section 6)

2.3 Information from Third Parties

We may receive information about you from:

Meta Platforms (Facebook, Instagram) — if you interact with our ads or pages
Lead aggregators or marketing partners — if you submitted an inquiry through a partner website
Referral sources — agents, partners, or clients who refer you to us

3. How We Use Your Information

We use the information we collect for the following purposes:

To contact you about insurance products and services you inquired about
To provide insurance quotes, plan comparisons, and enrollment assistance
To communicate with you via phone, email, and/or text message (subject to your consent)
To comply with state and federal insurance regulatory requirements
To improve our website, marketing, and services
To analyze advertising performance and lead generation effectiveness
To respond to your questions, complaints, or requests
To detect fraud and maintain the security of our systems

We do not sell your personal information to third parties for their own marketing purposes.

4. Telephone & Text Message Communications (TCPA)

IMPORTANT — PLEASE READ CAREFULLY

4.1 Express Written Consent

By submitting your phone number through any form on prosprinsurance.com, you expressly consent in writing to receive telephone calls and/or text messages (SMS/MMS) from Prospr Insurance Solutions LLC and its licensed agents at the phone number you provided, including calls or texts made using an automatic telephone dialing system or an artificial or prerecorded voice, for the purpose of marketing insurance products and services.

This consent is not a condition of purchasing any insurance product or service.

4.2 One-to-One Consent (FCC 2025 Rule)

In compliance with the FCC's one-to-one consent rule effective January 27, 2025, your consent to receive communications from Prospr Insurance Solutions LLC applies specifically and exclusively to Prospr Insurance Solutions LLC. Your consent does not extend to any other company, brand, or affiliate unless you separately consent to communications from that entity.

4.3 Opt-Out Rights

You may revoke your consent to receive text messages at any time by:

Replying STOP to any text message we send you
Emailing us at hugo@prosprinsurance.com with "OPT OUT" in the subject line
Calling us at (877) 318-2816 and requesting removal from our call and text list
Sending written notice to our principal business address

We will honor opt-out requests within 10 business days. After opting out, you may receive one final confirmation message. Standard message and data rates may apply. Message frequency varies.

4.4 Do Not Call Registry

We respect the National Do Not Call Registry. If your number is registered, we will not place unsolicited telemarketing calls to that number unless we have obtained your express prior written consent as described above.

4.5 Record Keeping

We maintain timestamped records of all consent provided through our website forms for a minimum of five (5) years, as required for TCPA compliance defense.

5. Email Communications (CAN-SPAM Act)

When you provide your email address, we may send you:

Insurance quotes and plan information you requested
Policy renewal reminders and updates
Educational content related to life and health insurance
Promotional communications about our services

Every marketing email we send includes an unsubscribe link. You may opt out of marketing emails at any time. Transactional emails related to your policy or coverage may continue regardless of marketing opt-out status.

6. Advertising, Cookies & Tracking Technologies

6.1 Meta Pixel

Our website uses the Meta Pixel (Facebook Pixel), a tracking technology provided by Meta Platforms, Inc. The Meta Pixel allows us to:

Track visitor behavior on our website after clicking on a Facebook or Instagram ad
Measure the effectiveness of our advertising campaigns
Build custom audiences for targeted advertising
Retarget website visitors with relevant insurance advertisements on Facebook and Instagram

The Meta Pixel may collect your IP address, browser information, and interactions with our website. This data is processed by Meta Platforms under their own Privacy Policy. You can opt out of Meta's use of your data for advertising purposes at facebook.com/about/ads.

6.2 Cookies

We use cookies (small data files stored in your browser) to remember your preferences, analyze website traffic, and improve your experience. Types of cookies we use:

Essential Cookies: Required for the website to function properly
Analytics Cookies: Help us understand how visitors use our site (e.g., Google Analytics)
Advertising Cookies: Used to deliver relevant ads and track ad performance (including Meta Pixel)

You may disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

6.3 Google Analytics

We use Google Analytics to analyze website traffic and usage patterns. Google Analytics collects anonymized data about your visits. You can opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout.

7. How We Share Your Information

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

Licensed Insurance Carriers: To obtain insurance quotes and facilitate enrollment on your behalf
Our Licensed Agents and Staff: Who assist in servicing your insurance needs
Technology Service Providers: CRM systems, email platforms, and website hosting providers who process data on our behalf under confidentiality agreements
Marketing Partners: Only with your explicit consent, and only for the purpose you consented to
Regulatory Authorities: Florida Department of Financial Services, CMS, and other regulators as required by law
Legal Process: In response to valid court orders, subpoenas, or government requests
Business Transfers: In connection with a merger, acquisition, or sale of the Company, subject to confidentiality obligations

Any third party we share data with is required to handle your information in accordance with applicable privacy laws and use it only for the purposes we specify.

8. Your Rights — Florida Residents

Under the Florida Information Protection Act (FIPA) and applicable law, Florida residents have the right to:

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate personal information
Deletion: Request deletion of your personal information, subject to legal and regulatory retention requirements
Opt-Out of Communications: Withdraw consent for marketing calls, texts, and emails at any time
Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise any of these rights, contact us at hugo@prosprinsurance.com or call (877) 318-2816. We will respond within thirty (30) days of receiving your request.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include:

Secure, encrypted data storage for client information
Access controls limiting data access to authorized personnel only
Regular security assessments of our systems and practices
Confidentiality agreements with all agents and service providers who access client data

No method of data transmission over the internet is 100% secure. In the event of a data breach affecting your personal information, we will notify you as required by Florida law (Fla. Stat. § 501.171) within 30 days of discovery.

10. Data Retention

We retain your personal information for as long as necessary to:

Provide insurance services and maintain your policy records
Comply with Florida and federal insurance regulatory requirements (typically 5–7 years)
Defend against TCPA claims (minimum 5 years for consent records)
Meet tax and financial record-keeping obligations

When personal information is no longer needed, we securely delete or anonymize it.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at hugo@prosprinsurance.com and we will promptly delete that information.

12. Insurance-Specific Disclosures

Prospr Insurance Solutions LLC is a licensed insurance agency in the State of Florida. We are appointed by multiple insurance carriers. We may receive commissions from carriers whose products we sell. Our agents may also receive additional compensation based on sales volume, which does not affect the price you pay for insurance.

We do not guarantee specific insurance rates, coverage, or eligibility. All insurance products are subject to carrier underwriting guidelines and state regulatory requirements. Coverage availability varies by location.

If you are a Medicare beneficiary, please note that we comply with all CMS marketing guidelines. Enrollment in a Medicare plan is subject to CMS and carrier eligibility requirements.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, notify you by email or a prominent notice on our website.

Your continued use of our website or services after any changes constitutes your acceptance of the updated Privacy Policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Company	Prospr Insurance Solutions LLC
Website	prosprinsurance.com
Email	hugo@prosprinsurance.com
Phone	(877) 318-2816
Location	Miami-Dade and Broward Counties, Florida
Hours	Monday–Friday, 9AM–6PM EST

For TCPA opt-out requests, please include your full name and phone number so we can promptly update our records.