New Found Horizon

Effective Date: November 5, 2025

New Found Horizon ("NFH," "we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.newfoundhorizon.com, complete forms on our website, attend our workshops or events, participate in consultations, or communicate with us through various channels, including text messaging via SMS.

New Found Horizon is a licensed independent insurance agency providing life, annuity, and Medicare-related insurance services across multiple states. We may coordinate with tax and legal professionals to ensure your insurance decisions fit within your broader financial and estate plans; however, we do not provide tax, legal, or investment advice. All recommendations are made within the scope of our insurance licensing and in accordance with applicable state and U.S. federal regulations.

By using our website and services, or by providing consent to receive SMS communications, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this policy, please do not access or use our services.

1. Information We Collect

1.1 Personal Information You Provide

We collect personal information that you voluntarily provide when you:

• Complete forms on our website (www.newfoundhorizon.com)

• Register for workshops or events

• Give permission during consultations

• Schedule appointments with our advisors

• Contact us for information about our services

This information may include:

• Contact Information: Full name, email address, mailing address, phone number, and mobile phone number

• Demographic Information: Age, date of birth, and other qualifying information relevant to insurance and Medicare eligibility

• Financial Information: Income details, employment information, financial goals, and insurance needs (collected only during consultations)

• Health Information: Medical history and health details (only when necessary for insurance underwriting or Medicare guidance)

• Communication Preferences: Your consent and preferences for receiving communications from us via email, phone, and SMS text messages

Important: We do NOT collect or process payment information directly. All insurance premium payments are handled by insurance carriers, not by New Found Horizon.

1.2 Technical Information

When you visit our website, we may automatically collect:

• IP address, browser type, and device information

• Pages viewed, links clicked, and navigation patterns

• Cookies and similar tracking technologies

2. Mobile Phone Numbers and SMS Text Messaging

2.1 SMS Messaging Program

New Found Horizon operates an SMS text messaging program to communicate with clients who have explicitly opted in. We use third-party messaging service providers (including Twilio and GoHighLevel) to send text messages on our behalf.

2.2 How We Obtain Consent

Clients provide explicit consent to receive SMS text messages from New Found Horizon through one or more of the following methods:

• Completing consent forms on our website (www.newfoundhorizon.com)

• Registering for workshops or events

• Giving written permission during in-person consultations

All opt-ins are collected directly by New Found Horizon, and every message sent clearly includes opt-out instructions ("Reply STOP to unsubscribe" or "Reply STOP to opt out").

2.3 Purpose of SMS Messages

We use mobile phone numbers to send SMS text messages for the following purposes:

• Appointment Reminders: Reminding you of scheduled insurance reviews and consultations

• Appointment Confirmations: Confirming scheduled appointments

• Educational Event Updates: Notifying you about financial wellness workshops, seminars, and educational events

• Customer Follow-ups: Following up after consultations or events

• Service Information: Sharing relevant information about our life insurance and Medicare advisory services, including educational resources

• Transactional Messages: Providing important updates related to your insurance applications or accounts

Message frequency varies based on your activity and preferences. Standard message and data rates may apply as determined by your mobile carrier.

2.4 Message Content

Our SMS messages may include:

• Embedded links to our website (www.newfoundhorizon.com) or booking pages

• Phone numbers for contacting our office

• Educational content and resources related to life insurance, infinite banking, and Medicare

We do NOT send messages containing:

• Content related to direct lending or loan arrangements

• Age-gated content as defined by Carrier and CTIA guidelines

2.5 Your Mobile Information is NEVER Shared for Marketing

CRITICAL PRIVACY PROTECTION: We will NEVER share, sell, rent, lease, or disclose your mobile phone number or any mobile information to third parties, affiliates, or partners for their marketing or promotional purposes.

Your mobile phone number is used exclusively by New Found Horizon to communicate directly with you about our services. We do not provide your mobile information to insurance carriers, other financial service providers, marketing companies, or any other external parties for their use in contacting you.

2.6 Opting Out of SMS Messages

You have complete control over SMS communications and may opt out at any time:

• Text STOP: Reply STOP to any text message to immediately unsubscribe from SMS communications

• Contact Us: Call or email us using the contact information at the end of this policy

• Update Preferences: Update your communication preferences through your account or during consultations

Opting out of SMS messages will not affect your ability to receive services from New Found Horizon. We will continue to communicate with you via other methods (email or phone) unless you request otherwise.

3. How We Use Your Information

We use the information we collect for the following legitimate business purposes:

• To provide, maintain, and improve our life insurance, annuity and Medicare advisory services

• To process insurance applications and facilitate policy issuance through our carrier partners

• To schedule and confirm appointments for consultations, reviews, and workshops

• To send appointment reminders, educational event updates, and service-related communications

• To respond to your inquiries and provide customer support

• To comply with legal obligations and regulatory requirements in the insurance and financial services industry

• To detect, prevent, and address fraud, security issues, and technical problems

• To analyze website usage and improve our online experience

4. Information Sharing and Disclosure

We respect your privacy and limit information sharing. We may share your information only in the following specific circumstances:

• Insurance Carriers: We share necessary information with insurance companies to process your applications, obtain quotes, and facilitate policy issuance. This does NOT include your mobile phone number for their marketing purposes.

• Service Providers: We use third-party service providers who assist us in operating our business, including website hosting, SMS messaging platforms (Twilio, GoHighLevel), email services, and compliance tools. These providers are contractually obligated to protect your information, use it only for the specific services they provide to us, and not use your mobile information for their own marketing.

• Legal Requirements: We may disclose information when required by law, court order, legal process, or government/regulatory request, or to protect the rights, property, or safety of New Found Horizon, our clients, or others.

• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our business assets, your information may be transferred as part of that transaction. The acquiring party will be required to honor this Privacy Policy.

• With Your Explicit Consent: We may share information with your explicit, informed consent for specific purposes you authorize.

We do NOT:

• Sell your personal information to third parties

• Share your mobile phone number with third parties or affiliates for their marketing purposes

• Rent or lease your contact information to marketing companies

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Given the sensitive nature of financial and health information, we take data security seriously.

Our security measures include:

• Encryption of sensitive data during transmission (SSL/TLS) and storage

• Secure messaging platforms with enterprise-grade security (Twilio, GoHighLevel)

• Regular security assessments and software updates

• Restricted access to personal information on a strict need-to-know basis

• Employee training on data protection, confidentiality, and regulatory compliance

• Secure storage systems with access controls and audit logs

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal and regulatory requirements in the insurance and financial services industry, resolve disputes, and enforce our agreements. Insurance regulations often require us to maintain records for specific periods, typically 5-7 years or longer depending on the type of information and applicable state and federal laws.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You may request access to the personal information we hold about you

• Correction: You may request correction of inaccurate or incomplete information

• Deletion: You may request deletion of your information, subject to legal and contractual obligations

• Opt-Out of SMS: Reply STOP to any text message or contact us directly

• Opt-Out of Emails: Follow unsubscribe instructions in marketing emails

• Cookie Control: Manage cookies through your browser settings

• Portability: Request a copy of your information in a portable format

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within a reasonable timeframe and as required by applicable law.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors without parental consent. Our insurance and Medicare advisory services are designed for adults. If we become aware that we have collected information from a child without proper parental consent, we will take steps to delete that information promptly.

9. Geographic Scope

New Found Horizon operates exclusively within the United States and provides services only to U.S. residents through state-licensed agents. This Privacy Policy applies to information collected from individuals located in the United States.

10. Third-Party Links

Our website and SMS messages may contain links to third-party websites, including insurance carrier websites and booking platforms. We are not responsible for the privacy practices or content of these external sites. When you click on links to third-party sites, you leave our service and are subject to their privacy policies. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, services, or for other operational reasons. When we make material changes, we will post the updated policy on our website (www.newfoundhorizon.com) with a revised effective date. For significant changes that materially affect your rights, we may also notify you via email or SMS. We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

• Right to Know: The right to know what personal information we collect, use, disclose, and sell

• Right to Delete: The right to request deletion of your personal information, subject to certain exceptions

• Right to Opt-Out: The right to opt out of the sale or sharing of personal information (Note: We do NOT sell or share personal information)

• Right to Correct: The right to correct inaccurate personal information

• Right to Limit: The right to limit the use of sensitive personal information

• Right to Non-Discrimination: The right not to receive discriminatory treatment for exercising your privacy rights

To exercise these rights, contact us using the information below. We will verify your identity before processing requests and respond within 45 days as required by California law.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, or if you wish to exercise your privacy rights, please contact us:

New Found Horizon

Website: www.newfoundhorizon.com

Email: gus@newfoundhorizon.com

Phone: 808-480-7219

Mailing Address: 74-5576 Pawai Pl J-348, Kailua-Kona, HI 96740

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By using our services and providing consent to receive SMS communications,

you acknowledge that you have read and understood this Privacy Policy.