Privacy Policy

1. Introduction

Munira Muhammad ("Munira," "I," "we," "us," or "our") is an independent licensed insurance agent (CA Lic. 0L39886) and operates the website vitalitymunira.com. This Privacy Policy explains how we collect, use, disclose and protect your personal information when you visit this website, take the Financial Fitness Scorecard, book a call, receive text messages or emails from us, or work with us on insurance and financial protection planning.

By using this website or our services, you agree to the practices described in this policy.

2. Information we collect

Information you give us

• Contact details: name, email address, phone number, and state or ZIP code when you take the scorecard, book a call, fill in a form, or contact us.
• Scorecard answers: your answers to the Financial Fitness Scorecard, such as who relies on your income, your age range, savings habits, retirement plans, general health and lifestyle habits, and whether you own a business.
• Conversation details: information you share during a Discovery Call or review, such as your goals, family situation, income range, existing coverage and business details.
• Messages: the content of emails, text messages and other communications you send us.
• Associate opportunity: if you ask about joining the team, your background, licensing status and availability.

Information collected automatically

• Usage data: pages visited, time on page, links clicked, and the site that referred you.
• Device data: browser type, operating system, device type, approximate location from IP address.
• Cookies and similar technologies: only with your consent where required. See Cookies & advertising.

3. How we use your information

• Provide your scorecard report and explain your results
• Schedule, confirm and remind you about calls and reviews
• Answer your questions and provide insurance education and planning
• Help you apply for insurance products you choose, and service your policies afterwards (for example, yearly reviews and beneficiary updates)
• Send educational content, invitations and offers, only where you have agreed to receive them
• Meet licensing, compliance, record-keeping and other legal obligations
• Improve this website and measure which content and advertising is useful
• Detect and prevent fraud, misuse and security incidents

4. Insurance and health-related information

Life insurance and related products involve personal information, and we treat it with care:

• Your scorecard answers are never shared with any insurance company and are never sold. They are used only to prepare your report and our conversation.
• Insurance applications: if you decide to apply for a product, the application will ask for information such as your date of birth, Social Security number, medical history, financial details and beneficiaries. That information is collected on or for the insurance company's application, is shared with the insurance company you choose and the service providers it uses for underwriting (for example, medical exam and records vendors, prescription and motor vehicle databases, and MIB), and only with your signed authorization. The insurance company's own privacy notice also applies.
• Agency and compliance: as a licensed agent, we may share application and policy information with the insurance marketing organization and agency through which we are contracted, and with regulators, where required for licensing, supervision, commission processing and compliance.
• We will never ask you to send sensitive information by text message, such as your Social Security number, bank details or medical history.
• We follow applicable insurance privacy laws, including the Gramm-Leach-Bliley Act, the California Insurance Information and Privacy Protection Act (Cal. Ins. Code § 791 et seq.) and the California Financial Information Privacy Act. You may ask to see and correct personal information we hold about you in connection with an insurance transaction.

5. Text messaging (SMS) policy

This section applies to all SMS/text messages from Munira Muhammad and is provided for A2P 10DLC and TCPA compliance.

Program description

If you opt in, you may receive text messages from Munira Muhammad (Munira Muhammad Financial Fitness) about:

• Non-marketing messages: appointment confirmations and reminders, scheduling updates, scorecard report follow-ups, application and policy service updates, and responses to your questions.
• Marketing messages: educational tips, workshop and event invitations, and offers, only with your separate, explicit consent.

Message frequency varies. Message and data rates may apply. For questions about your text or data plan, contact your wireless provider.

Consent

You opt in by providing your mobile number and checking the text-message consent box on a form (for example, the scorecard or booking form), or by texting us first. Consent boxes are never pre-checked. Consent to receive text messages is not a condition of purchasing any goods or services. SMS messaging is intended for people 18 years of age or older.

Opt-out, help and opt back in

• Opt out: reply STOP to any message. You will receive one final confirmation and no further messages. You can also email munira@vitalitymunira.com.
• Help: reply HELP to any message, or email munira@vitalitymunira.com.
• Opt back in: reply START or YES, or submit a form again with the text-message consent box checked.

Mobile information sharing

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, except aggregators and providers of the text message services.

Carriers are not liable for delayed or undelivered messages. Full SMS terms are in our Terms of Service.

6. How we share information

We do not sell your personal information. We share it only as follows:

• Service providers who help us run this website and our practice under confidentiality obligations, such as website hosting, scheduling (Calendly), the scorecard platform (ScoreApp), customer relationship management, email and SMS delivery, and analytics.
• Insurance companies and agency partners, only as described in section 4 and with your authorization where required.
• Legal and safety: when required by law, regulation, subpoena or regulator request, or to protect rights, safety and property.
• Business transfer: if the practice is sold, merged or transferred, subject to this policy and applicable insurance law.

All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, except aggregators and providers of the text message services.

7. Cookies, analytics and advertising

This website uses essential browser storage to remember your cookie choice. With your consent, it may also use analytics and advertising technologies, such as Google Analytics, the Meta (Facebook/Instagram) Pixel, the LinkedIn Insight Tag and Microsoft Clarity, to understand how the site is used and to measure and show relevant ads.

• These tools do not load until you click Accept on the cookie banner. Choosing Decline keeps them off.
• You can change your choice at any time using Cookie choices in the website footer, or by clearing this site's data in your browser.
• We honor the Global Privacy Control browser signal as a request to decline these tools.
• We never send your scorecard answers, health information or insurance details to advertising platforms.

Embedded services such as the Calendly booking calendar and the ScoreApp scorecard may set their own cookies under their own privacy policies.

8. Data security and retention

We use reasonable safeguards, including encrypted connections (HTTPS), access controls and reputable service providers. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

We keep personal information only as long as needed for the purposes above. Insurance transaction records are kept for the periods required by state insurance regulations. When information is no longer needed, we delete or de-identify it.

9. Your rights and choices

• Access and correction: ask for a copy of the personal information we hold about you, and ask us to correct it.
• Deletion: ask us to delete your information, subject to records we must keep by law.
• Marketing opt-out: unsubscribe from emails using the link in any email, and reply STOP to text messages.
• Cookies: use Cookie choices in the footer.

To make a request, email munira@vitalitymunira.com. We may need to verify your identity before responding.

10. California privacy rights

If you are a California resident, the California Consumer Privacy Act as amended by the CPRA gives you the right to know what personal information we collect, use and disclose; to delete and correct it; to opt out of the sale or sharing of personal information; to limit the use of sensitive personal information; and not to be discriminated against for exercising these rights.

• Categories collected (past 12 months): identifiers and contact details; characteristics such as age range; commercial and financial information such as income range and existing coverage; health and lifestyle information you choose to share; internet activity on this site; and inferences from scorecard answers.
• Sale and sharing: we do not sell personal information. If you accept advertising cookies, information about your use of this site may be "shared" with advertising platforms for cross-context behavioral advertising. You can opt out by declining cookies, using Cookie choices in the footer, or enabling Global Privacy Control.
• Sensitive information: we use health and financial information only to provide the services you ask for.
• Information collected in an insurance transaction may be governed by the Gramm-Leach-Bliley Act and California insurance privacy law instead of the CCPA.

You or an authorized agent can submit a request by emailing munira@vitalitymunira.com. We respond within 45 days.

11. Children's privacy

This website and our services are intended for adults 18 and older. We do not knowingly collect personal information from children. If you believe a child has given us information, contact us and we will delete it.

12. Third-party links

This website links to other websites, such as insurance companies, social media profiles and the FinFit Life associate portal. We are not responsible for their privacy practices; please review their policies.

13. Changes to this policy

We may update this policy from time to time. Changes are posted on this page with a new "Last updated" date.

14. Contact us

Munira Muhammad
Independent Licensed Insurance Agent · CA Lic. 0L39886
Phone: (000) 000-0000
Email: munira@vitalitymunira.com
Website: vitalitymunira.com