Privacy Policy

1. About This Policy

First Pillar Legacy ("FPL," "we," "us," or "our") is a licensed independent insurance agency. We operate firstpillarlegacy.com and related digital properties. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website, submit forms, or interact with our communications — including communications from our AI agents.

First Pillar Legacy is not an insurance company. We connect you with life insurance products from multiple licensed carriers. Our National Producer Number (NPN) is 22182686.

Leads may be referred to us through our marketing partners, including Kingsley Consulting (d/b/a American Trucker Benefits). If you submitted your information through americantruckerbenefits.com, the privacy policy on that site governed the collection of your information. This policy governs how First Pillar Legacy uses and protects your information once received.

By using our website or interacting with our communications, you agree to the practices described in this policy. Questions may be directed to info@firstpillarlegacy.com.

2. Information We Collect

Information You Provide

When completing a form, requesting a quote, or communicating with us, we may collect:

• Full name
• Email address
• Phone number (including mobile/wireless)
• ZIP code and state of residence
• Date of birth
• Health and lifestyle information relevant to insurance qualification (height, weight, smoking status, medical history, medications)
• Employment and income information
• Insurance needs and coverage preferences
• Communications preferences

Sensitive Personal Information: Health, medical, and financial information you provide is classified as sensitive personal information under applicable state privacy laws (including CPRA). We use this information solely to provide insurance quotes and connect you with appropriate carriers. You have the right to limit our use of your sensitive personal information to what is necessary to provide our services.

Information Collected Automatically

When visiting our website, we automatically collect:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent
• Referring URL
• UTM parameters and campaign tracking data
• Cookies and similar technologies (see Section 8)

Communications Data

When communicating with us via SMS, phone, or email — including with our AI agent Aria — we retain:

• Date and time of each communication
• Phone number and email used
• Content of messages and call recordings (where lawful)
• Consent records (timestamp, IP address, exact consent language at time of submission, version of privacy policy in effect at time of consent)

3. How We Use Your Information

We use your information for the following purposes:

• To provide insurance quotes, recommendations, and related services
• To contact you by phone, email, and SMS regarding insurance products — including communications from AI agents such as Aria
• To schedule appointments and send reminders
• To process insurance applications and connect you with carriers
• To improve our website, services, and communications
• To analyze website performance and marketing effectiveness
• To comply with applicable laws and regulations, including telecommunications and insurance regulations
• To detect and prevent fraud, abuse, or unauthorized activity
• To maintain records required for legal, regulatory, and business purposes

4. TCPA Consent and Communications

Express Consent for Calls, Texts, and AI Communications

By providing your contact information through our website or through our marketing partners' websites, you expressly consent to being contacted by First Pillar Legacy and our licensed insurance agents by:

• Telephone calls, including automated and pre-recorded calls
• Text messages (SMS/MMS), including AI-generated messages from AI agents such as Aria
• Email

You agree these communications may be sent to the phone number and email address you provided, including any wireless number, even if registered on a Do Not Call list. Message and data rates may apply. Message frequency varies. Consent is not a condition of purchase.

For details about our use of AI agents in communications, see our AI Disclosure page.

How to Withdraw Consent

You may withdraw consent at any time through any reasonable method, including:

• Replying STOP to any text message
• Replying HELP for assistance
• Following the unsubscribe link in any email
• Calling us during business hours
• Emailing info@firstpillarlegacy.com
• Submitting a request through our website contact form

In accordance with FCC rules effective April 11, 2025, opt-out requests received through any reasonable method are honored within ten (10) business days of receipt. As a matter of practice, opt-outs are processed in real time wherever possible. Once opted out, you will receive no further marketing messages, except for a single confirmation message acknowledging the opt-out.

5. How Your Information Flows

Your information may reach us through the following paths:

1. Direct submission on firstpillarlegacy.com (quote request, contact form, calculator).
2. Referral from marketing partners. Kingsley Consulting (d/b/a American Trucker Benefits) collects lead information through its marketing websites and shares it with First Pillar Legacy for the purpose of providing insurance quotes and services. The privacy policy on the referring site governs collection; this policy governs our use.
3. Licensed agents at First Pillar Legacy contact you via phone, email, or SMS to provide quotes and coverage options.
4. AI-powered assistants (such as Aria) operate on behalf of First Pillar Legacy to schedule appointments, send reminders, and handle routine follow-up.
5. Insurance carriers receive your information when an agent submits an application on your behalf, with your knowledge.

SMS Opt-In Data — Specific Protection

Your mobile phone number and SMS opt-in consent will not be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data is used solely to communicate with you about your insurance inquiry through First Pillar Legacy. SMS opt-in data is excluded from any data sharing with marketing or analytics partners.

6. Sharing Your Information

With Insurance Carriers

When you proceed with an insurance application, we share relevant information with the insurance carrier for underwriting and policy issuance. This is the core purpose of our service.

With Marketing Partners

We receive leads from Kingsley Consulting (d/b/a American Trucker Benefits). We do not sell or share your information back to marketing partners for their independent use.

With Service Providers

We work with trusted third-party vendors who assist in operating our business, including website hosting, CRM platforms, SMS/voice service providers (Twilio), and AI infrastructure vendors. These vendors are contractually obligated to use information only as directed and to maintain appropriate security.

With Analytics Partners

De-identified or aggregated data may be shared with advertising and analytics platforms (e.g., Google Analytics, Meta) to measure and improve marketing performance. We do not share phone numbers, SMS opt-in status, or content of SMS messages with these partners. Health, medical, or insurance qualification data are not transmitted through advertising pixels.

For Legal Reasons

We may disclose information if required by law, court order, subpoena, or government authority, or to protect the safety, rights, or property of First Pillar Legacy, our clients, or others.

Business Transfers

In the event of a merger, acquisition, sale of assets, or similar transaction, information may be transferred as part of that transaction. Successor entities will be bound by the commitments in this policy.

What We Do Not Do

• We do not sell your personal information to data brokers or unrelated third parties.
• We do not share your mobile phone number or SMS opt-in consent with any party for their independent marketing purposes.
• Content of AI agent conversations is not used to train third-party AI models.

7. Data Retention

• Contact and quote information: Retained for a minimum of three (3) years from the date of last interaction, or longer where required for legal or regulatory purposes.
• Consent records (TCPA opt-in documentation): Retained for a minimum of four (4) years to comply with applicable telecommunications statutes of limitations. May be retained up to six (6) years where required by carrier agreements or business necessity.
• Communications records (SMS, voice, email): Retained for a minimum of four (4) years.
• AI agent conversation logs: Retained for a minimum of four (4) years.
• Insurance application records: Retained as required by applicable state insurance regulations (typically 5–7 years).

If you request deletion of your information, we will honor that request to the extent permitted by law. Certain records (including consent records and communications records) may be retained for the periods listed above to comply with legal obligations even after a deletion request.

8. Cookies and Tracking Technologies

Our website may use cookies, web beacons, pixels, and similar technologies, including:

• Essential cookies: Required for basic site functionality.
• Analytics cookies: Help us understand how visitors use the site (e.g., Google Analytics, Google Tag Manager).
• Advertising pixels: Advertising pixels (such as the Meta Pixel) may be used for conversion tracking and remarketing. Health, medical, or insurance qualification data are not transmitted through advertising pixels.

You can control cookie preferences through your browser settings. Disabling certain cookies may affect site functionality. To opt out of interest-based advertising more broadly, visit aboutads.info or networkadvertising.org.

Global Privacy Control (GPC): We honor the Global Privacy Control browser signal as a valid opt-out of the sale or sharing of personal information, as required by applicable state law.

9. Your Privacy Rights

California Residents (CCPA / CPRA)

If you are a California resident, you have the following rights:

• Right to Know: Request disclosure of the categories and specific pieces of personal information collected, the sources, the purposes, and the third parties with whom it is shared.
• Right to Delete: Request deletion of your personal information, subject to certain legal exceptions (e.g., consent records, insurance application records).
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt Out of Sale or Sharing: We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising in a way that would qualify as "sharing" under CPRA.
• Right to Limit Use of Sensitive Personal Information: Request that we limit our use of your sensitive personal information (health, financial) to what is necessary to provide our services.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.

Florida, Texas, and Other State Privacy Rights

If you are a resident of Florida, Texas, Colorado, Connecticut, Virginia, Utah, Oregon, or another state with applicable privacy laws, you may have similar rights to access, correct, and delete your information. You may also have the right to opt out of targeted advertising or profiling.

How to Exercise Your Rights

To exercise any of these rights, contact info@firstpillarlegacy.com. We will respond to verifiable requests within the timeframe required by applicable law (typically 45 days under CCPA). Identity verification may be required before processing certain requests.

You may designate an authorized agent to make a request on your behalf, subject to verification.

10. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include encryption in transit, access controls, secure data storage, and regular security reviews.

No method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information and will notify you in the event of a data breach as required by law.

11. Children's Privacy

Our website and services are intended for adults (age 18 and older). We do not knowingly collect personal information from children under 13 in violation of the Children's Online Privacy Protection Act (COPPA), and our services are not directed to minors under 18. If you believe we have inadvertently collected information from a minor, contact info@firstpillarlegacy.com immediately and we will promptly delete it.

12. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites and government resources. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.

13. International Users

Our services are intended for users located in the United States. If you access our website from outside the United States, be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your country.

14. Changes to This Policy

We may update this Privacy Policy from time to time. When updated, the "Effective Date" at the top of this page will be revised. For material changes, we will provide additional notice (such as an email or a prominent banner on the website). Continued use of our website or services after any changes constitutes acceptance of the updated policy.

This policy is reviewed at least annually. Prior versions are maintained permanently. To request a prior version, contact info@firstpillarlegacy.com.

15. Contact Us

For questions, concerns, or requests related to this Privacy Policy:

• Email: info@firstpillarlegacy.com
• Website: firstpillarlegacy.com/contact
• NPN: 22182686

First Pillar Legacy
7901 4th St N, Ste 300
St. Petersburg, FL 33702