Generations Crest (“we,” “us,” or “our”) does not share customer opt-in information, including phone numbers and consent records, with any affiliates or 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.

1. Information We Collect

Personal Information: Name, email address, phone number, physical address, appointment information, quote or consultation request details, opt-in records, and timestamps for all communication channels including SMS and email.

Non-Personal Information: IP address, browser type, device information, website usage patterns and analytics, cookies, and similar technologies.

Customer Communication: Records of inquiries, consultation requests, appointment details and preferences, service history, and feedback.

2. How We Use Your Information

We use collected data to provide and improve our services, respond to inquiries, schedule consultations, communicate with you about your appointments or service requests, enhance website functionality, ensure security and fraud prevention, and maintain records of your communication preferences and consent.

3. SMS Messaging and Compliance

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment confirmations, appointment reminders, consultation follow-up, customer support, and important service-related updates.

Opt In and Consent

You will only receive messages if you have explicitly opted in. We maintain timestamped records of all opt-in actions. We comply with the Telephone Consumer Protection Act 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 promptly.

Message Frequency and Content

Message frequency varies based on your interactions with our business, consultation requests, and appointment schedule. Messages will be directly related to the services you have requested. We do not send promotional text messages without specific consent.

Help and Support

Reply HELP for assistance or contact us at [email protected]. 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

We implement reasonable data protection measures to safeguard your SMS opt-in information and consent records.

4. Information Sharing and Disclosure

We do not sell, rent, or trade personal information.

We may share information with service providers who assist in our operations, such as appointment scheduling, customer support, website hosting, payment processing if applicable, and SMS providers solely for the purpose of delivering messages you have consented to receive. All service providers are expected to maintain confidentiality and security.

We may also share information if required by law, legal process, or to protect our rights.

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 messaging services.

5. Data Security

We implement reasonable security measures to protect personal information, including secure access controls, authentication, responsible data handling, and safeguards designed to prevent unauthorized access, disclosure, or misuse.

No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We may use cookies and similar technologies to analyze site traffic, remember preferences, improve website functionality, and measure the effectiveness of our services. You may control cookies through your browser settings.

7. Your Rights and Choices

You may request to access, update, or delete your personal information, opt out of marketing emails, opt out of SMS by replying STOP, request information on how we process your data, or withdraw consent at any time where applicable.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices. This Privacy Policy applies only to information collected by Generations Crest Wealth & Protection.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. The latest version will be available on our website with the effective date.

10. Contact Us

By using our website and services, you consent to this Privacy Policy.

SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends appointment confirmations, appointment reminders, consultation follow-up, customer support, and service-related messages to customers who have contacted or booked with Generations Crest through our website, scheduling tools, chat tools, or other approved communication channels, and who have explicitly opted in to receive SMS notifications.

2. Cancellation Instructions

You can cancel the SMS service at any time. Text STOP to the same number that sent you messages. We will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us unless you opt in again.

3. Support Information

If you experience issues with the messaging program, reply HELP for assistance, or contact us directly at [email protected] during business hours.

4. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

5. Message and Data Rates

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage, consultation requests, and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

7. Age Restriction

You must be 18 years or older to participate in our SMS program.

8. Privacy Policy

For privacy-related inquiries, please refer to our Privacy Policy at: https://generationscrest.com/privacy-policy

We comply with applicable laws and regulations, including the Telephone Consumer Protection Act and CTIA guidelines, regarding the use of SMS communications.

General Terms

This website is owned and operated by Generations Crest. By using this website, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms that may apply to specific sections of the site or to our products and services.

We reserve the right to update these Terms of Service or impose new conditions from time to time. We will post revised terms on this website, and continued use of the site after changes are posted means you accept the updated terms.

Services

Generations Crest provides information and guidance related to life insurance services and fixed annuities. The information on this website is provided for general educational and informational purposes only and should not be considered legal, tax, investment, or financial advice.

Any insurance or annuity product discussed is subject to eligibility, product availability, underwriting, carrier approval, and the terms and conditions of the issuing company.

No Guarantee of Approval or Results

Generations Crest does not guarantee approval for any insurance or annuity product. We also do not guarantee any specific financial outcome, benefit amount, or product suitability without a proper review of your individual situation.

Consultations

Consultations are intended to help clients understand available options and determine whether a product or service may fit their needs. You are responsible for providing accurate information during any consultation or application process.

Intellectual Property

This site and all materials on it are the property of Generations Crest unless otherwise stated and are protected by copyright, trademark, and other intellectual property laws.

The site is provided for personal, non-commercial use. You may not modify, copy, reproduce, republish, sell, or distribute material from the site without written authorization, though you may print one copy of individual pages for personal, non-commercial use.

Disclaimers

The site may link to third-party websites. We do not endorse or take responsibility for their content, products, services, privacy practices, or terms.

Information, products, and services offered through the site are provided “as is” without warranties of any kind, except where required by law.

Registration

If any part of the site requires an account, you agree to provide accurate and current information and to keep your login credentials confidential. Notify us immediately at [email protected] if you suspect unauthorized use of your account.

Limitation of Liability

To the fullest extent permitted by law, Generations Crest is not liable for any indirect, incidental, or consequential damages arising from your use of this website or the information provided herein.

Termination

We reserve the right to terminate or suspend access to the site if we determine there has been a violation of these terms, misuse of the website, or unlawful conduct.

Governing Law

These Terms of Service are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes will be handled in accordance with applicable law.

Changes to Terms of Service

We may update these Terms of Service from time to time. The latest version will be available on our website with the effective date.

Contact Us

By using our website and services, you consent to these Terms of Service.