Privacy Policy

Effective Date: March 1, 2025 | Last Updated: March 25, 2026

Maxout Insurance Partners ("we," "our," or "us"), doing business as Maxout Insurance, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide when you visit maxoutinsurance.com or communicate with us through any form, phone call, text message, or email.

By using this website or submitting any form, you agree to the terms of this Privacy Policy. If you do not agree, please do not use this website.

We may collect the following categories of personal information:

• SMS Opt-In Data: Your phone number and explicit consent to receive SMS messages, if provided
• Form Submission Data: Any information submitted through our website forms, including quiz responses and consultation requests
• Device & Usage Data: IP address, browser type, operating system, pages visited, and time spent on the site
• Financial Information: Retirement savings range, income range, and insurance needs (as voluntarily provided)
• Contact Information: Full name, phone number, email address, and mailing address
• Call & Voice Data: When you speak with us by phone (inbound or outbound), calls may be recorded. Recordings may include audio of the conversation, associated phone numbers, date/time, and related metadata

2. How We Use Your Information

We use the information we collect to:

• Comply with applicable laws and regulations
• Improve our website, services, and marketing
• Send emails and follow-up communications related to your inquiry
• Send SMS messages when you have provided explicit written consent
• Respond to inquiries and schedule consultations
• Provide insurance and financial planning services
• Maintain quality control, staff training, and service improvement through review of call recordings where permitted
• Protect the legitimate interests of you and our business in the event of a dispute, complaint, or regulatory inquiry, including by retaining accurate records of what was said

3. SMS / Text Message Communications

Important Notice Regarding SMS Consent

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties or affiliates for marketing or promotional purposes.

How We Obtain SMS Consent (Call to Action)

We obtain your explicit written consent to send SMS messages through clearly labeled consent checkboxes on the following website forms:

• Contact Page (maxoutinsurance.com/contact) — Our contact form includes a required SMS consent checkbox that reads: "By checking this box and submitting this form, you consent to receive SMS text messages from Maxout Insurance at the phone number provided, including messages sent by autodialer."
• Booking Page (maxoutinsurance.com/book/braven-ramirez) — Our appointment booking form includes a required SMS consent checkbox with the same explicit opt-in language before the user can submit their booking.

Each form requires the user to actively check the consent checkbox before submission. The checkbox is not pre-checked. Users must take affirmative action to opt in. The consent language is displayed directly adjacent to the checkbox and clearly states the types of messages the user will receive, how to opt out (Reply STOP), and links to this Privacy Policy and our Terms & Conditions.

Types of SMS Messages

By providing your phone number and checking the SMS consent box on any form on this website, you expressly consent to receive SMS text messages from Maxout Insurance Partners regarding:

• Appointment reminders and consultation confirmations
• Follow-up communications related to your inquiry
• Life insurance quotes (term life, final expense, IUL, annuities)
• Call summaries after consultations
• Policy updates and educational content
• Insurance and financial planning services

Message Frequency & Rates

Message & data rates may apply. Message frequency varies based on your interaction with us. You may receive up to 5 messages per month.

How to Opt Out

To opt out: Reply STOP to any SMS message at any time to cancel. After texting STOP, you will receive one final confirmation message. No further messages will be sent unless you re-opt in. You may also contact us directly at [email protected] or call (949) 272-9172 to be removed from our SMS list.

Help

For help: Reply HELP to any SMS message or call us at (949) 272-9172.

Consent is not a condition of purchase. You are not required to consent to SMS messages to receive our services.

Carriers are not liable for delayed or undelivered messages.

No Sharing of SMS Data: We do not sell, share, or provide your mobile phone number or SMS opt-in consent data to any third party for marketing or promotional purposes. SMS consent data is used solely by Maxout Insurance Partners for the purposes described above.

4. Telephone Calls & Call Recording

When you call us or we call you, your call may be monitored or recorded for quality control, training, accuracy, regulatory compliance, and to maintain a clear record of our communications. Recordings may be stored on secure systems, including those operated by vetted service providers bound by confidentiality obligations.

Notice and consent: We provide notice and obtain consent for recording in a manner consistent with applicable federal and state law, which may include an audible disclosure at the start of a call, written consent where appropriate, or continued participation after clear notice where the law allows. If you do not wish to be recorded where you have a lawful right to object, you may tell the representative or contact us using the information below; we will explain your options (for example, continuing the conversation without recording where feasible, or using another channel).

Authorized software users: Individuals who access our internal tools, CRM, dialer, or related software on behalf of the Company are responsible for complying with all recording and wiretap laws that apply to their jurisdiction and for providing any legally required disclosure or consent to consumers and other parties before recording or monitoring calls. Misuse may result in loss of access and other remedies.

Laws governing call recording vary by state and situation. This section summarizes our practices but is not legal advice. If you need guidance for your specific circumstances, consult a qualified attorney.

5. Sharing of Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate confidentiality protections
• Legal Requirements: When required by law, court order, or government authority
• Service Providers: Trusted third-party vendors who assist us in operating our website, CRM, or communications. These providers are contractually prohibited from using your data for any purpose other than providing services to us.

We do not sell or share your mobile phone number or SMS opt-in consent data with any third party for marketing or promotional purposes.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies (such as the Meta Pixel and Google Analytics) to understand how visitors use our site, improve performance, and deliver relevant advertising. By using our website, you consent to the use of these technologies.

You can control cookie settings through your browser. Note that disabling cookies may affect some website functionality.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, modification, or disclosure. However, no data transmission over the internet or wireless network can be guaranteed to be 100% secure.

8. Your Rights and Choices

You have the right to:

• Request that we not sell your data (we do not sell data)
• Opt out of email communications by clicking "unsubscribe"
• Opt out of SMS messages at any time by replying STOP
• Request deletion of your personal information
• Request correction of inaccurate information
• Access the personal information we hold about you
• Ask whether we hold call recordings that relate to you, subject to legal exceptions and retention schedules

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us at [email protected].

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: