Last updated: October 16, 2026
This text line and website are operated by Paul Maldonado, Advanced Planning Consultant / Life Insurance Producer, through Maldonado Financial Group LLC ("we," "us"). This policy explains what information is collected when you text the line or use this website, and how it is used. It covers our text lines, phone calls, emails, seminars and this website.
When you text us, call us, or send a form on this website, we receive what you choose to share: your phone number, your name if you give it, an email address if you give one, and the contents of your messages and questions. When you register for a seminar, we also receive the seminar date you chose and the first and last names of any guests you bring. When you call or are called by us, we keep the call details, any voicemail you leave, and a recording of the call if it is recorded (you will hear a notice first). When you book a call online, we receive your booking details. We may also receive your contact details from lead providers and partner websites where you asked to be contacted about insurance or estate planning. This website may also record basic visit details (such as the page you came from or the ad you clicked) and may use tools from advertising partners such as Google, Meta and TikTok to measure our ads.
Your information is used to answer your questions, reply to you personally, send the seminar confirmations and reminders you signed up for, schedule your appointments, hold a spot for you and your guests, and help you over time. We may also use totals that don't identify anyone (such as how many questions came in) to run and improve the service. We do not sell your information, and we do not use your messages to market anyone else's products.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.
If you give us your email address, we use it to send what you asked for, such as a seminar confirmation and reminder, and members of our team may email you personally about your questions, appointments, seminar registration or application. When you reply, your reply goes to the team member who wrote to you. Every email from us includes an unsubscribe link, and we stop when you use it.
Recorded calls are kept with your file so we can serve you accurately. If you apply for a policy, a recording may be submitted to the insurance company as part of your application. Recordings are never used for anyone else's marketing.
We use artificial intelligence (AI) tools provided through our software to help us screen and sort incoming messages (for example, to spot an emergency), translate messages, organize the details you send, and suggest a draft reply. A member of our team reviews any AI-suggested reply before it is sent to you. Your information is not used to market anyone else's products.
Your messages are read only by authorized members of our team and kept confidential. Each team member can see only what their job requires, and changes are recorded. Like any modern service, messages pass through companies that make delivery possible — phone carriers, Twilio (texts and calls), Google (email and calendar), Zoom (video appointments), our client-management software (YesLane) and its hosting and AI providers, and our website host — which handle data only to deliver the service. If you apply for coverage, we share what the insurance company needs to process your application. If you ask us to refer you for debt help, we share your contact details with that partner only with your permission. We may disclose information if the law requires it, or if we believe in good faith that someone is in immediate danger.
Your questions may include personal matters about health, family and money. By sending a message, you agree that we may receive and keep it for the purposes above. We treat it as confidential.
This line is not an emergency service and cannot send help. If you or someone else is in immediate danger, call 911. If you are in crisis, call or text 988 (Suicide & Crisis Lifeline).
This line is answered by Paul Maldonado, Advanced Planning Consultant / Life Insurance Producer — not a bank and not a law firm. Insurance and annuity products are offered through licensed insurance professionals; estate documents are prepared by licensed attorneys. Nothing here is financial, tax, or legal advice.
Reply STOP to any text at any time to stop receiving messages. Use the unsubscribe link in any offer email to stop those emails. To cancel or change a seminar registration, call 505-523-5119. You can also ask us at any time to delete your information, and we will do it.
We keep your information while we are helping you and for as long as insurance and other laws require us to keep records. If something is deleted, it is held for a short time in a protected recycle bin so a mistake can be undone, and then removed for good. When you ask us to delete your information, we delete it, including that copy, unless the law requires us to keep it.
This service is not meant for children under 13, and we do not knowingly collect information from them.
We may update this policy; the date above shows the latest version. Questions or requests: text HELP to 833-398-0427 or call 505-523-5119.