Privacy Policy
IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA: The Ultimate Growth Group LLC ("UGG," "we," "us," or "our") DOES NOT share customer opt-in information, including phone numbers and consent records, with any third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.
The Ultimate Growth Group LLC is a purpose-driven company offering business strategy and education through School of Wealth Creation (a DBA of The Ultimate Growth Group LLC), and life insurance and financial protection strategies through UGG Insurance. This Privacy Policy explains how we collect, use, and protect information when you visit www.ugrowthgroup.com (the "Site"), book a strategy call, request a consultation or quote, apply for or hold an insurance policy through us, or otherwise communicate with us. Information collected on sowealthcreation.com is also governed by the School of Wealth Creation Privacy Policy posted on that site.
1. Information We Collect
Personal Information
- Contact information: your name, email address, phone number, and mailing address.
- Financial information: your goals, income, assets, debts, existing coverage, household and family details, and other information you choose to share about your financial situation when you book a strategy call or during a consultation.
- Insurance application information: information needed to request quotes and apply for coverage, which may include your date of birth, health and lifestyle information, beneficiaries, and financial details. Much of this information is collected by, or submitted directly to, the insurance carrier.
- Scheduling information: the details you provide when you book a consultation or speaking engagement.
- Payment information: payments are handled by our payment processor or directly by the insurance carrier. We do not store full card or bank account numbers on our own systems.
- Opt-in records and timestamps for all communication channels (SMS, email, etc.), plus the messages and feedback you send us.
Non-Personal Information
- IP address, browser type, and device information
- Website usage patterns and analytics, including the ad or link that brought you to the Site
- Cookies, pixels, and similar technologies (see Section 6)
2. How We Use Your Information
We use collected data for:
- Providing and improving our services, including financial and insurance consultations, business strategy, seminars, and speaking engagements
- Assessing your needs, preparing quotes and illustrations, submitting applications, and servicing your policies
- Processing transactions and payments
- Communicating with you about your inquiries, appointments, applications, policies, and promotions
- Enhancing website functionality and user experience, and measuring which ads and content bring visitors to the Site
- Ensuring security and fraud prevention, and meeting our legal and regulatory obligations as a licensed insurance agency
- Maintaining records of your communication preferences and consent
3. SMS Messaging & Compliance
Text Message Program
By opting into our SMS messaging services through a consent checkbox on our website forms, including our strategy call booking and contact forms, you agree to receive text messages from The Ultimate Growth Group LLC. Non-marketing messages include appointment confirmations and reminders, updates about your inquiry, application, or policy, and customer support. Marketing messages, sent only if you separately opt in to them, include special offers, events, financial education content, and service updates.
Opt-In & Consent
- You will only receive messages if you have explicitly opted in
- Entering a phone number on a form does not, by itself, opt you in to text messages
- Consent is always optional and is never a condition of submitting a form or making a purchase
- We maintain timestamped records of all opt-in actions
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
Opt-Out Instructions
- You can cancel SMS notifications at any time by replying "STOP"
- You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
- All opt-out requests are processed within 24 hours
Message Frequency & Content
- Message frequency varies based on your interactions with our business
- Messages will be directly related to the services you have requested
- We do not send promotional content without specific consent
Help & Support
- Reply "HELP" for assistance or contact us at bentley@ugrowthgroup.com or 561-584-4378
- Customer support is available during regular business hours
Carrier Information
- Standard message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers
SMS Data Protection Statement
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.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records.
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Insurance Carriers
Insurance companies and their underwriters, only as needed to provide quotes, submit and process your applications, and service your policies. Each carrier handles your information under its own privacy notice, which it provides to you.
Service Providers
Third-party vendors who assist in our operations, including providers of:
- Website hosting and form processing
- Email delivery and customer relationship management (CRM) software
- SMS aggregators and providers, solely for the purpose of delivering messages you have consented to receive
- Appointment scheduling
- Payment processing
- Advertising measurement and analytics, such as Meta and Google, which receive information about activity on the Site (for example, pages visited and forms submitted) so we can measure and improve our advertising. We do not share your phone number, your text messaging consent, or your financial or insurance information with these providers.
All service providers are required to maintain confidentiality and security, and to use information only to provide their services to us.
Legal Compliance
- If required by law, legal process, or to protect our rights
- In response to valid law enforcement requests, court orders, or requests from insurance regulators
Business Transfers
- In case of mergers, acquisitions, or sale of assets
- In such cases, your data remains protected under the terms of this policy
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
Financial and Insurance Information
We treat the nonpublic personal financial and health information you share with us for insurance purposes as confidential, and we handle it in accordance with the federal Gramm-Leach-Bliley Act and applicable state insurance privacy laws. We use and share it only to provide the services you request, as described above, or as required by law.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information, including:
- Encrypted connections (SSL/TLS) for information sent through the Site
- Secure access controls and authentication, with access limited to the people and providers who need the information
- Reputable, secure service providers for hosting, email, messaging, and payments
- Breach notification in accordance with applicable laws
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security. We keep personal information only as long as needed to provide our services, maintain business records, and meet legal and regulatory obligations.
6. Cookies & Tracking Technologies
We and our advertising partners use cookies, pixels (including the Meta Pixel), and similar technologies to:
- Analyze site traffic and user behavior
- Remember your preferences
- Improve website functionality and user experience
- Measure the effectiveness of our services and advertising
You may control cookies through your browser settings, and manage ad preferences in your Facebook, Instagram, and Google account settings. Disabling cookies may limit your ability to use certain features of our website.
7. Your Rights & Choices
You have the right to:
- Access, update, or delete your personal information, subject to records we are required to keep under insurance laws
- Opt-out of marketing emails by clicking "unsubscribe" in our emails
- Opt-out of SMS messages by replying "STOP"
- Request information on how we process your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
Our Site and services are intended for adults 18 and older, and we do not knowingly collect information from anyone under 18. To exercise these rights, please contact us using the information in Section 10.
8. Third-Party Links
Our website may contain links to third-party websites, including insurance carriers and our School of Wealth Creation website. We are not responsible for the privacy practices of third-party websites and encourage you to review their policies. This privacy policy applies only to information collected by The Ultimate Growth Group LLC through www.ugrowthgroup.com.
9. Changes to This Privacy Policy
We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.
10. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at:
- The Ultimate Growth Group LLC
- Address: 740 Mill Valley Place, West Palm Beach, FL 33409
- Phone: 561-584-4378
- Email: bentley@ugrowthgroup.com
- Website: www.ugrowthgroup.com
Please also review our Terms and Conditions: https://www.ugrowthgroup.com/terms
By using our website and services, you consent to this Privacy Policy.