Privacy Policy

1.About this policy

NeoPenn Life Strategies LLC ("NeoPenn," "we," "our," or "us") is a life insurance and finance education company based in Pennsylvania. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and the choices you have.

This one policy covers neopenn.com and our affiliated websites on the following domains and their subdomains: lifestrategies.cc, wealthstrategies.cc, bizstrategies.cc, healthstrategies.cc, timestrategies.cc, wealthbuilding.cc and wealthmindset.cc (together, the "Sites"). It also covers information you give us at workshops, events and appointments.

2.Information we collect

Information you give us

• Contact details: name, email address, phone number, mailing address and state of residence.
• Interests and background: the insurance and financial education topics you are interested in, your occupation, and anything else you choose to tell us.
• Registration details: the workshops, events and appointments you sign up for.
• Insurance application information: when you ask a licensed professional to help you apply for an insurance product, we collect what the insurance company requires. This can include your date of birth, Social Security number, health and medical history, income and financial details, and beneficiary information.
• Business opportunity information: professional background and licensing information, if you ask about becoming an independent associate.
• Communication preferences: your consent to receive emails, calls and text messages, and any opt-out requests.

Information collected automatically

When you visit the Sites, we and our technology providers collect your IP address, browser and device type, the pages you view, and the site that referred you. We do this through cookies and similar technologies (see Section 7).

Calculators and tools

Our calculators and tools run in your browser. The numbers you enter are not sent to us or saved by us. The tool pages do collect usage information through analytics, such as page visits, as described in Section 7.

3.How we use information

We use personal information to:

• Respond to your questions and requests.
• Provide financial education, workshops and events, and send related reminders.
• Help you apply for insurance products through licensed professionals and the insurance companies you choose.
• Introduce you to other licensed professionals when you ask us to or agree to it.
• Send newsletters and marketing messages, where you have agreed to receive them.
• Respond to people interested in the business opportunity.
• Maintain, secure and improve the Sites.
• Meet legal, regulatory and record-keeping obligations.

4.How we share information

We do not sell or rent your personal information.

We share personal information only in these situations:

• Professionals and service providers who work with us. This includes licensed insurance professionals helping with your request, and technology providers that run our websites, forms, scheduling, email and messaging, such as GoHighLevel and Google. They may use your information only to help us serve you.
• Insurance companies you apply to. When you apply for a product, we send your application information to that insurance company and to Hegemon Financial Group, LLC, through which the products are offered.
• Referrals, with your permission. If you ask for or agree to an introduction, we share your contact details and the nature of your request with that licensed insurance or financial services professional, tax professional or attorney. They are independent of NeoPenn and handle your information under their own privacy practices.
• Legal reasons. We share information when the law, a regulator or a court requires it, or to protect our rights and the safety of others.
• Business transfer. If NeoPenn is reorganized or sold, information may transfer to the successor, which must honor this policy.

None of these categories includes text message opt-in data or consent, which is covered in Section 5.

Health information and Social Security numbers are shared only with the insurance company and the licensed professionals handling your application, and only for that application.

5.Text messaging privacy

We send text messages only to people who have agreed to receive them, for example by ticking the text message consent box on one of our forms. Consent is not a condition of buying any product or service.

We do not share, sell or rent mobile phone numbers collected for text messaging, or text message opt-in data and consent, with any third parties or affiliates for marketing or promotional purposes.

We share mobile numbers only with the messaging providers that deliver our texts on our behalf.

Message frequency varies, and message and data rates may apply. Reply STOP to any message to stop receiving texts. Reply HELP for help, or contact us at [email protected] or (610) 745-5995.

6.Financial privacy notice

This section applies to nonpublic personal information we collect when you apply for or obtain an insurance product through us.

• What we collect. Information from your application and other forms, such as your identity, health, income and beneficiaries, and information about your transactions with us and with the insurance company.
• Who we share it with. The insurance company you apply to, the licensed professionals and service providers working on your request, and others as the law permits or requires. We share with other professionals only with your permission.
• What we do not do. We do not share this information with outside companies so that they can market their own products to you.
• How we protect it. We limit access to people who need the information to serve you, and we maintain physical, electronic and procedural safeguards.
• Former customers. We treat information about former customers the same way.

7.Cookies and tracking technologies

The Sites use cookies and similar technologies to make the Sites work, remember your preferences, measure traffic and understand which pages are useful.

We use the following tools: GoHighLevel for website hosting, forms, scheduling and visit tracking; Cloudflare for site security and delivery; and Google Analytics for traffic measurement. These providers may collect information about your visits to the Sites over time.

You can reject non-essential cookies through the cookie banner on the Sites, or block cookies in your browser settings. Some features may not work if you do.

8.Your choices and rights

• Marketing emails. Use the unsubscribe link in any marketing email.
• Text messages. Reply STOP to any text.
• Phone calls. Tell us you no longer want calls, and we will stop.
• Access, correction and deletion. You can ask us for a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it.
• Limiting sharing. You can ask us not to share your information with a professional we introduced you to, or to stop a referral.

To make a request, contact us at [email protected] or (610) 745-5995. We may need to confirm your identity first. We aim to respond within 45 days.

We may need to keep some information where the law or an insurance company requires it, for example records of an insurance application. If you live in a state whose law gives you additional privacy rights, we will honor those rights. We will not treat you differently for making a request.

9.Data security

We use reasonable administrative, technical and physical safeguards to protect personal information, and we limit access to people who need it to serve you. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

If a security incident affects your personal information, we will notify you as the law requires.

10.Data retention

We keep personal information for as long as needed for the purposes in this policy. Records relating to insurance applications and policies are kept for the period that insurance laws and insurance companies require. Marketing contact details are kept until you unsubscribe or ask us to delete them.

When information is no longer needed, we delete it or make it anonymous.

11.Children's privacy

The Sites are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us information, contact us and we will delete it.

Information about a child that a parent provides on an insurance application, for example as an insured person or beneficiary, is handled as application information under this policy.

12.Third-party links

The Sites may link to websites we do not control, including those of insurance companies and partner platforms. Their privacy practices are their own. Please read their policies before giving them your information.

13.United States users

The Sites are intended for people in the United States, and information is stored and processed in the United States. Insurance products are available only in states where the professional is licensed.

14.Changes to this policy

We may update this policy from time to time. When we do, we will post the updated policy on this page and change the "Last updated" date. If a change significantly affects how we use or share your information, we will tell you by email or by a notice on the Sites.

A change to this policy does not expand the text message consent you have given us.

15.Contact us