Privacy Policy — American Trucker Benefits

1. About This Policy

American Trucker Benefits ("ATB," "we," "us," or "our") is a marketing service operated by Kingsley Consulting. We operate the website americantruckerbenefits.com and related digital properties. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit our website, submit forms, or interact with our communications.

ATB is not an insurance company. We connect you with our licensed insurance agency partners, who in turn provide actual insurance services through licensed agents and carriers. The current list of our licensed insurance agency partners and the states in which they operate is provided in Section 6 below.

By using our website or submitting information through our forms, you agree to the practices described in this policy. If you have any questions, please reach out to us at support@americantruckerbenefits.com.

2. Information We Collect

Information You Provide

When you complete our benefits quiz, request a quote, or otherwise submit a form, we may collect:

Full name
Email address
Phone number (including mobile/wireless)
ZIP code and state of residence
Date of birth
Health and lifestyle information relevant to insurance qualification (height, weight, smoking status, etc.)
Employment information (e.g., trucking company, owner-operator status, years of experience)
Communications preferences

Information Collected Automatically

When you visit our website, we automatically collect:

IP address
Browser type and version
Device type and operating system
Pages visited and time spent
Referring URL
UTM parameters and campaign tracking
Cookies and similar technologies (see Section 8)

Communications Data

When you communicate with us via SMS, phone, or email — including with AI agents such as Aria — we retain:

Date and time of each communication
Phone number and email used
Content of messages and recordings (where lawful)
Consent records (timestamp, IP, exact consent language at time of submission, version of this Privacy Policy in effect at time of submission)

3. How We Use Your Information

We use the information you provide for the following purposes:

To match you with our licensed insurance agency partners and the licensed insurance agents and carriers they work with
To contact you by phone, email, and SMS regarding insurance products, your quote request, and follow-up information — including communications from AI agents
To schedule appointments and send reminders
To improve our website, services, and marketing communications
To analyze website performance and ad effectiveness
To comply with applicable laws and regulations, including telecommunications and insurance regulations
To detect and prevent fraud, abuse, or unauthorized activity
To maintain records required for legal, regulatory, and business purposes

4. TCPA Consent and Communications

Express Consent for Calls, Texts, and AI Communications

By submitting your contact information through our website, you expressly consent to being contacted by Kingsley Consulting (d/b/a American Trucker Benefits) and our licensed insurance agency partners (the current list is provided in Section 6 below) — and the licensed insurance professionals they work with — by:

Telephone calls, including automated and pre-recorded calls
Text messages (SMS/MMS), including marketing messages and AI-generated messages from AI agents such as Aria
Email

You agree these communications may be sent to the number and email address you provided, including any wireless number, even if your number is registered on a Do Not Call list. Message and data rates may apply. Message frequency varies. Consent is not a condition of purchase.

The version of this Privacy Policy in effect at the time you submitted your information — including the list of licensed insurance agency partners and licensed states as of that date — applies to your consent. Only agencies that were on our partner list at the time of your consent will contact you under that consent.

How to Withdraw Consent

You may withdraw your consent at any time through any reasonable method, including:

Replying STOP to any text message
Following the unsubscribe link in any email
Calling us during business hours
Emailing support@americantruckerbenefits.com
Submitting a request through our website contact form

In accordance with FCC rules effective April 11, 2025, we honor opt-out requests received through any reasonable method within ten (10) business days of receipt — and as a matter of practice, we process opt-outs in real time wherever possible. Once you opt out, you will receive no further marketing messages from us, except for a single confirmation message acknowledging your opt-out.

For details about our use of AI agents in communications, see our AI Disclosure page.

5. How Your Information Flows

When you submit a form on our website, your information moves through this chain:

Kingsley Consulting (d/b/a American Trucker Benefits) collects your information through the form.
Your information is shared with one or more of our licensed insurance agency partners that were on our partner list at the time of your consent (current list in Section 6) and that are licensed in your state.
Licensed agents at those partner agencies may contact you via phone, email, or SMS to provide quotes and coverage options.
AI-powered assistants (such as Aria) may operate on behalf of those partner agencies to schedule appointments, send reminders, and handle routine follow-up.
Insurance carriers may receive your information when an agent submits an application on your behalf, but only with your knowledge.

All parties in this chain are bound by the privacy commitments described in this policy. Each licensed insurance agency partner operates under privacy practices consistent with this policy and is contractually bound to honor your TCPA consent revocations and other privacy rights.

SMS Opt-In Data — Specific Protection: Mobile phone numbers and SMS opt-in consent will not be shared with third parties or affiliates for marketing or promotional purposes outside of our licensed insurance agency partner program described in this Policy. Your SMS opt-in data is used solely to communicate with you about your insurance inquiry through American Trucker Benefits and our current partner agencies. SMS opt-in data is excluded from any data sharing with marketing or analytics partners.

6. Our Current Licensed Insurance Agency Partners and Licensed States

American Trucker Benefits shares lead information with the following licensed insurance agency partners for the purpose of providing you with insurance quotes and coverage options:

Agency Name	Agency NPN	Licensed States	Date Added
First Pillar Legacy	22182686	Florida, Texas	April 2026

Geographic coverage: Insurance quote services are currently available only to residents of Florida and Texas. We are actively expanding to additional states. If you submit information from a state where we are not yet licensed, we will not contact you about insurance products until we are properly licensed in your state. You may be added to a waitlist with your express consent.

This list may change over time. We update this list as agency partner relationships are added, modified, or removed, and as additional states are licensed. The version of this list in effect at the time you submitted your information is preserved in our records and applies to your consent. Only agencies on the partner list at the time of your consent — and licensed in your state at that time — will contact you under that consent.

If you would like a copy of the version of this list that was in effect at the time of your specific form submission, contact us at support@americantruckerbenefits.com with your name, phone number, and approximate date of submission, and we will provide the relevant historical version.

7. Sharing Your Information

We may share your personal information in the following circumstances:

With Our Licensed Insurance Agency Partners

We share your information with our current licensed insurance agency partners (listed in Section 6) and the licensed insurance agents working with them, to provide quotes and coverage options. This is the core purpose of our service.

With Insurance Carriers

When you proceed with an insurance application, your information is shared with the relevant licensed insurance carriers for underwriting and policy issuance.

With Service Providers

We work with trusted third-party vendors who assist us in operating our website, processing data, and delivering communications (e.g., hosting providers, CRM platforms, SMS/voice service providers, AI infrastructure vendors). These vendors are contractually obligated to use your information only as directed by us and to maintain appropriate security.

With Marketing and Analytics Partners

We may share de-identified or aggregated data with advertising and analytics platforms (e.g., Google Analytics, Meta) to measure and improve our marketing performance. We do not share your phone number, SMS opt-in status, or content of SMS messages with these partners.

For Legal Reasons

We may disclose your information if required by law, court order, subpoena, or government authority, or to protect the safety, rights, or property of American Trucker Benefits, our agency partners, our users, or others.

Business Transfers

In the event of a merger, acquisition, sale of assets, or similar business transaction, your information may be transferred as part of that transaction. Successor entities will be bound by the commitments in this policy.

What We Do Not Do

We do not sell your personal information to data brokers or unrelated third parties.
We do not share your mobile phone number or SMS opt-in consent with any party outside our licensed insurance agency partner program for their independent marketing purposes.
We do not use the content of your AI agent conversations to train third-party AI models.

8. Cookies and Tracking Technologies

Our website may use cookies, web beacons, pixels, and similar technologies. These include:

Essential cookies: Required for basic site functionality
Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics, Google Tag Manager)
Advertising pixels: We may use advertising pixels (such as the Meta Pixel) for conversion tracking and remarketing. We do not transmit health, medical, or insurance qualification data through advertising pixels.

You can control cookie preferences through your browser settings or, where available, our cookie consent banner. Disabling certain cookies may affect site functionality. To opt out of interest-based advertising more broadly, visit aboutads.info or networkadvertising.org.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy and to comply with legal obligations.

Contact and quote information: Retained for a minimum of three (3) years from the date of last interaction, or longer where required for legal or regulatory purposes.
Consent records (TCPA opt-in documentation): Retained for a minimum of four (4) years to comply with applicable telecommunications statutes of limitations. We may retain consent records for up to six (6) years where required by carrier agreements or business necessity.
Communications records (SMS, voice, email): Retained for a minimum of four (4) years.
AI agent conversation logs: Retained for a minimum of four (4) years.
Versioned agency partner lists and state coverage lists: Retained permanently as part of consent record archive.

If you request deletion of your information, we will honor that request to the extent permitted by law. Certain records (including consent records and communications records) may be retained for the periods listed above to comply with our legal obligations even after a deletion request.

10. Your Privacy Rights

California Residents (CCPA / CPRA)

If you are a California resident, you have the following rights:

Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for which we use it, and the third parties with whom we share it.
Right to Delete: You may request that we delete personal information we have collected from you, subject to certain legal exceptions (e.g., consent records).
Right to Correct: You may request correction of inaccurate personal information.
Right to Opt Out of Sale or Sharing: We do not sell your personal information. We do not share personal information for cross-context behavioral advertising in a way that would qualify as "sharing" under CPRA.
Right to Limit Use of Sensitive Personal Information: You may request that we limit the use of sensitive personal information to only what is necessary to provide our services.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.

Other State Privacy Rights

If you are a resident of Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Florida, or another state with applicable privacy laws, you may have similar rights to access, correct, and delete your information. You may also have the right to opt out of targeted advertising or profiling.

How to Exercise Your Rights

To exercise any of these rights, contact us at support@americantruckerbenefits.com. We will respond to verifiable requests within the timeframe required by applicable law (typically 45 days under CCPA). We may need to verify your identity before processing certain requests.

You may also designate an authorized agent to make a request on your behalf, subject to verification.

11. Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include encryption in transit, access controls, secure data storage, and regular security reviews.

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information and notifying you in the event of a data breach as required by law.

12. Children's Privacy

Our website and services are intended for adults (age 18 and older). We do not knowingly collect personal information from children under 13 in violation of the Children's Online Privacy Protection Act (COPPA), and we do not direct our services to minors under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at support@americantruckerbenefits.com and we will promptly delete it.

13. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites, government resources, and informational pages. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.

14. International Users

Our services are intended for users located in the United States. If you are accessing our website from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your country.

15. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" and "Last Updated" dates at the top of this page. For material changes — including changes to the list of our licensed insurance agency partners or the list of licensed states — we will provide additional notice (such as an email or a prominent banner on our website). Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

We maintain prior versions of this policy permanently. The version of this policy in effect at the time of your form submission applies to your consent. To request a prior version, contact us at support@americantruckerbenefits.com.

16. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact us:

Email: support@americantruckerbenefits.com
Website: americantruckerbenefits.com

Mailing address (for written privacy requests):

American Trucker Benefits
c/o Kingsley Consulting
7901 4th St N, Ste 300
St. Petersburg, FL 33702