Privacy Policy

3 Generations Investments LLC (an Arizona limited liability company) operates the website at 3genfinancial.com under the public-facing brand 3 Generations Financial Solutions ("3GEN," "we," "us," or "our"). 3GEN is an independent insurance and financial education business. We provide financial education and debt elimination education, and we offer life insurance and fixed and fixed indexed annuity solutions. Insurance activities are conducted by Ernie Houston Jr. under his individual insurance producer license, subject to applicable state licensing and carrier appointments. 3 Generations Investments LLC and the trade name "3 Generations Financial Solutions" are not licensed insurance agencies and do not hold an insurance producer license. This Privacy Policy describes how we collect, use, and protect information you provide through our website, consultation booking tools, and contact forms. By using our website or submitting your information, you consent to the practices described here.

The public-facing trade name "3 Generations Financial Solutions" is currently pending approval and is not a separately registered DBA or legal entity. Where legally appropriate, the business may be identified as "3 Generations Investments LLC, operating under the brand 3 Generations Financial Solutions."

We collect information you voluntarily provide when you book a consultation or contact us, which may include:

• Contact details: your full name and email address (a telephone number may be requested but is not required)
• Primary financial interest (for example, debt elimination, life insurance, retirement solutions, or legacy planning)
• Any additional details you choose to share in your message
• Appointment details such as the date and time you select for a consultation

Through our website platform, we may also collect limited technical and usage information automatically — which may include IP address, browser type, and device type — to operate and improve our website.

Information submitted by you directly: The information described above is submitted directly by website visitors through our consultation booking and contact forms.

Information provided in connection with insurance applications: When an application for a juvenile insurance policy or other coverage is submitted, parents or legal guardians may provide information about a minor. Such information is collected in connection with the application process and is separate from the website inquiry and consultation-scheduling information described in this policy.

Website images: Photographs displayed on this website consist of business-owned images and images supplied through our website platform. We do not represent that all third-party image licenses have been independently verified.

We use the information you submit to:

• Respond to your inquiry and schedule your consultation
• Send appointment confirmations and reminders by email
• Provide educational information about the topics you've expressed interest in
• Follow up about the services you asked about
• Maintain records in our customer relationship management (CRM) system
• Operate, secure, and improve our website and communications

We do not sell your personal information.

Information you submit through our forms is stored and managed in our customer relationship management (CRM) system. We use GoHighLevel as our CRM, appointment scheduling, and email communications platform, and Zoom to host virtual consultation meetings. We also use Google services for email and calendar functions. These providers may access, store, or process your information on our behalf as necessary to provide those services, and are required to handle it in accordance with applicable law and the terms of any applicable data-processing agreements.

When necessary and appropriate for the services you request, information may be provided to insurance carriers and other authorized service providers — for example, to support an insurance application or inquiry you have initiated. Any such sharing is subject to applicable privacy requirements and the terms of the relevant carrier or provider.

Our complimentary consultations are approximately 30 minutes. We communicate with prospective and existing clients primarily through email and scheduled Zoom consultations. If you prefer, you may request a telephone consultation or phone call instead. When you book a consultation, we send confirmation, reminder, and follow-up messages by email. We do not send SMS text messages, automated text reminders, or SMS marketing communications.

We do not sell or rent your personal information. We may share your information with:

• Service providers who help us operate our website, forms, calendar, email, and CRM, under agreements that limit how they may use it
• Insurance carriers and other authorized service providers when necessary and appropriate for requested services, subject to applicable privacy requirements
• A legal advisor or authority if required by law or to protect our rights or the rights of others

We retain information you submit for as long as reasonably necessary to respond to your inquiry, provide requested services, and maintain records in our CRM, in accordance with our actual retention practices and applicable legal obligations. We do not maintain a fixed retention period; retention depends on the nature of the information and the applicable requirements.

We take reasonable measures to help protect your information using secure systems and storage. Two-factor authentication is enabled on our business CRM and email accounts. No method of transmission or electronic storage is completely secure, and we cannot guarantee absolute security. We do not represent that additional security safeguards are in place beyond those we have verified.

Depending on your state or jurisdiction, you may have rights to access, correct, or request deletion of your personal information. To submit a privacy request, please contact us at the email below. We will respond in accordance with applicable law.

Our services are not directed to individuals under 18, and we do not knowingly collect information from children through this website. Information about a minor may be provided by a parent or legal guardian in connection with a juvenile insurance application, as described above.

We may update this Privacy Policy from time to time. When we do, the revised policy will be posted on this website with a revised effective date. Continued use of our website after changes are posted constitutes acceptance of the updated policy. We are not obligated to provide individual notifications of changes unless required by applicable law.

For questions about this Privacy Policy or your information, please contact us: