Privacy Policy

Effective Date: May 1st, 2025

PA Income LLC dba Prosper Advisers (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal information when you use our website https://www.prosperadvisers.com or interact with us as part of our life and health insurance services or any other products or services that may be offered to you.

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1. Information We Collect

We collect personal information you voluntarily provide to us, including but not limited to:
– Full name
– Date of birth
– Address and contact details
– Social Security Number (when required for applications)
– Health-related information necessary for insurance underwriting
– Employment and income details
– Any other data submitted via forms, emails, or phone calls

We may also collect non-personal information automatically through cookies and tracking technologies such as:
– IP address
– Browser type
– Device information
– Media
– Cookies
– Embedded content from other websites
– Pages visited and time spent on the site
– Any other personal information collected by any services that we or our affiliates may provide.

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2. How We Use Your Information

We use your information to:
– Provide insurance quotes, recommendations, and services
– Submit applications to insurance carriers
– Communicate with you about your inquiries, policies, or account
– Comply with legal and regulatory obligations
– Improve our website and customer service

We do NOT sell your personal information to third parties, except as part of voluntary, arms-length agreements between you and the Company (“Us”).

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3. Sharing Your Information

We may share the following personal data only with your consent or for legal and/or regulatory purposes only as required by law to:
– Licensed insurance carriers and underwriting teams for the purpose of processing applications
– Third-party service providers (e.g., CRM, email systems) under strict confidentiality agreements
– Government or regulatory agencies as required by law

All third parties are required to safeguard your data and use it only for legitimate business purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

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4. Data Security

We implement reasonable physical, administrative, and technical safeguards to protect your information from unauthorized access, disclosure, or misuse. However, no system is 100% secure. You share information at your own risk, and we do not claim any responsibility for any of the above actions that may occur due to no fault of our own.

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5. Your Choices

You may:
– Request a copy of your personal information
– Request corrections or updates to your information
– Withdraw consent to future communications
– Request deletion of your data, subject to legal retention obligations

To exercise your rights, contact us directly at [email protected].

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6. Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and gather site analytics. You may disable cookies through your browser settings, but doing so may affect site functionality.

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7. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

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8. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices or content. Review their policies before sharing personal data.

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9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with the revised effective date. Continued use of our services means you accept those changes.

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10. Contact Us

For questions or concerns about this Privacy Policy, contact:

Prosper Advisers
ATTN: Manager
5614 W Grand Pkwy S
Ste 102-194
Richmond, TX 77406

346-762-9881
[email protected]