Privacy Policy

PRIVACY POLICY Effective Date: October 5, 2026 Last Updated: October 5, 2026 13:22 Agency (“13:22 Agency,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, forms, communications, and related services. By using our website or submitting information through our forms, you acknowledge the practices described in this Privacy Policy. 1. INFORMATION WE COLLECT We may collect information that you voluntarily provide, including: • First and last name • Email address • Telephone number • State • ZIP code • Age range • Insurance interests • Desired insurance coverage • Current insurance status • General financial or retirement asset ranges • Preferred method and time of contact • Information you provide when communicating with us • Other information voluntarily submitted through our website We may also automatically collect certain technical information when you visit our website, including: • IP address • Browser type • Device type • Operating system • Referring website • Pages visited • Date and time of visits • General website interaction data • Cookies and similar technologies We do not intend for our website lead forms to collect Social Security numbers, bank account numbers, credit card numbers, retirement account numbers, medical records, passwords, or other highly sensitive financial or medical information. Please do not submit such information through our general website forms. 2. HOW WE USE YOUR INFORMATION We may use information we collect to: • Respond to your request for information • Connect you with an appropriately licensed insurance professional • Determine which insurance products or services may be relevant to your stated interests • Contact you regarding your inquiry • Schedule appointments or consultations • Provide customer service • Assign inquiries to insurance agents or representatives • Maintain records of inquiries and communications • Improve our website and services • Analyze website usage and performance • Prevent fraud, spam, and misuse • Maintain security • Comply with applicable laws, regulations, licensing requirements, and legal obligations • Send marketing communications when permitted by law and consistent with your preferences and consent 3. HOW WE SHARE INFORMATION We may share information with: • Licensed insurance agents and producers working with or through 13:22 Agency • Insurance agencies or carriers when necessary to respond to your request or pursue an insurance application • Service providers that assist us with website hosting, customer relationship management, communications, data storage, analytics, security, and business operations • Professional advisors, regulators, law enforcement, or government authorities when required or permitted by law • A successor organization in connection with a merger, acquisition, sale, restructuring, or transfer of business assets We do not sell your personal information to unrelated third parties for their independent marketing purposes merely because you submitted an insurance inquiry through our website. Submitting an inquiry may result in your information being provided to an insurance professional for the purpose of responding to the insurance or financial-services inquiry you initiated. 4. TELEPHONE AND TEXT COMMUNICATIONS If you provide a telephone number and request or consent to telephone or text communications, 13:22 Agency and/or an authorized representative may contact you regarding your inquiry, subject to applicable law and the consent you provide. Where required, consent to receive marketing calls or text messages will be obtained separately. Consent to receive marketing calls or text messages is not a condition of purchasing any property, goods, or services. Message and data rates may apply. You may opt out of marketing text messages at any time by replying STOP. You may request assistance by replying HELP. 5. EMAIL COMMUNICATIONS We may send emails relating to an inquiry, application, appointment, or existing relationship. Where permitted, we may also send promotional or educational emails regarding insurance, financial protection, retirement, or related services. You may unsubscribe from marketing emails using the unsubscribe link included in applicable emails. 6. COOKIES AND ANALYTICS Our website may use cookies and similar technologies to operate the website, remember preferences, understand website traffic, improve performance, and measure the effectiveness of our communications. We may use third-party analytics or measurement providers. You may be able to control certain cookies through your browser or device settings. 7. DATA SECURITY We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. However, no internet transmission or electronic storage system can be guaranteed to be completely secure. For this reason, you should not submit highly sensitive information through our general website forms. 8. DATA RETENTION We may retain information for as long as reasonably necessary to: • Respond to your inquiry • Maintain business and compliance records • Fulfill the purposes described in this Privacy Policy • Resolve disputes • Enforce agreements • Meet legal, regulatory, licensing, or insurance-industry requirements 9. YOUR CHOICES You may contact us to request that we: • Update or correct certain information • Stop sending marketing emails • Stop sending marketing text messages • Update your communication preferences • Address questions regarding our privacy practices Certain records may need to be retained where required by law, regulation, contractual obligation, or legitimate business need. 10. CHILDREN This website is intended for adults seeking information about insurance and related financial services. We do not knowingly use this website to solicit personal information from children under 13. 11. THIRD-PARTY WEBSITES Our website may contain links to websites or services operated by third parties. 13:22 Agency is not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review their privacy policies before providing personal information. 12. INSURANCE AND FINANCIAL INFORMATION DISCLAIMER Information provided through this website is for general informational and educational purposes. Insurance products, eligibility, features, costs, availability, and requirements vary by carrier, product, individual circumstances, and state. Nothing on this website constitutes a guarantee of coverage, policy approval, investment performance, tax treatment, or financial outcome. Any insurance recommendation or transaction requiring licensure will be handled by an appropriately licensed professional. 13. CHANGES TO THIS POLICY We may update this Privacy Policy periodically. When changes are made, we may update the “Last Updated” date shown above. Continued use of the website following an update constitutes acknowledgment of the revised Privacy Policy to the extent permitted by law. 14. CONTACT US Questions regarding this Privacy Policy may be directed to: 13:22 Agency 1322 Agency 3959 Van Dyke Rd. Lutz, FL 33558 info@1322Agency.com 813-748-8262