Legal Information and Disclosures | American Senior Network, Petersburg, FL

American Senior Network ("ASN") values your privacy and is committed to protecting your personal information. This Privacy Policy describes how ASN collects, uses, and shares information from visitors to americanseniornetwork.us and any affiliated websites or mobile applications (collectively, the "Sites"). By using the Sites, you agree to the terms outlined in this Privacy Policy. If you do not agree with these terms, please discontinue use of our Sites.

In addition to this Policy, our written Consumer Privacy Notice provides further details on how we handle personal information shared with us when you request information or are referred to one of our partners.

Types of Information We Collect

We may collect two categories of information from users of our Sites:

1. Personally Identifiable Information ("Personal Information"): This includes data such as your name, email address, mailing address, phone number, device information, and geo-location. We collect this information when you voluntarily submit it (e.g., through forms or newsletters) or via cookies and third-party tools.

2. Non-Personally Identifiable Information ("Non-Personal Information"): This includes details such as browser type, IP address, referring URLs, and interaction with our Sites. This information is used for statistical and performance purposes and does not directly identify you.

Why We Collect Information

We collect your information to:

• Help connect you with relevant educational resources and licensed professionals
• Improve your experience on our Sites
• Customize services and communications
• Ensure compliance with applicable laws and prevent fraud

How Information is Collected

We may collect information in the following ways:

Direct Submission: When you complete a form, request information, or subscribe to our newsletter.

Cookies: We use cookies and similar technologies to enhance your experience and understand visitor behavior. Cookies are small text files stored on your device. They collect anonymous data such as page views, clicks, and navigation patterns.

You can disable cookies via your browser settings. Each browser is different, so refer to your browser's Help menu for more instructions.

IP Addresses: We may collect and log IP addresses for system administration, security, and to gather aggregate information on site usage.

Pixels & Tracking Technologies: We may use embedded pixels on some web pages or in emails to track open rates and engagement. These technologies help us improve content relevance and user experience.

How We Share Your Information

We may share your information:

• With our trusted partners, including licensed lenders, attorneys, and credit professionals, for referral purposes
• With third-party service providers who help us operate the Sites or conduct analytics
• As required by law, regulation, legal process, or government request
• To protect ASN’s legal rights and the safety of users

We do not sell personal information for direct compensation, but some data sharing may be considered a “sale” under certain privacy laws.

Children’s Privacy

Our Sites are not intended for children under 13. We do not knowingly collect personal data from minors. If we discover such data has been submitted, we will delete it promptly.

Security of Your Information

We implement appropriate security practices to safeguard your personal information. However, no data transmission over the internet is entirely secure. ASN cannot guarantee or warrant the absolute security of any information you share online.

Policy Updates

We reserve the right to modify this Privacy Policy at any time. Updates will be posted on this page with a revised effective date. Continued use of the Sites following updates indicates your acceptance of the new terms.

Last updated: January 2025

Do Not Track Signals

We do not respond to Do Not Track browser settings or signals.

Your Rights and Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us:

Email: info@americanseniornetwork.us

Mailing Address:
American Senior Network
7901 4th St N Ste 15098
St. Petersburg, FL 33702
Attn: Compliance

California Residents
Under the California Consumer Privacy Rights Act (CPRA), California residents have the right to:

• Know what personal data we collect
• Request deletion of their data
• Opt-out of data sales or sharing

To exercise these rights, please contact us using the information above or visit: Do Not Sell My Personal Information

In accordance with California law, we will not share information we collect about California residents with nonaffiliates except as permitted by law, such as to service the customer’s accounts. We will also limit the sharing of information about you with our affiliates to the extent required by applicable California law.

Nevada Residents
We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by emailing info@americanseniornetwork.us

Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with nonaffiliates except as permitted by law, such as to service the customer’s accounts. We will not share creditworthiness information about Vermont residents with our affiliates except with the authorization or consent of the Vermont resident.

North Dakota Residents
In accordance with North Dakota law, we will not share information we collect about North Dakota residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to maintain or service the customer’s account.

SMS Terms
Last Updated: 07/01/2025

By opting into the American Senior Network (“ASN”) text messaging program, you agree to the following terms and conditions:

🔹 Eligibility & Consent
By enrolling in ASN’s SMS program, you certify that:

• You are the primary account holder or have the account holder’s permission to enroll the listed phone number.
• You are 18 years of age or older.

By subscribing, you consent to receive recurring marketing and transactional text messages from ASN, including updates about services, referrals, educational content, and offers related to reverse mortgages, estate planning, or credit consulting. These messages may be delivered by automated systems or individuals and may originate from different phone numbers depending on your interactions with specific representatives.

🔹 Message Content and Risks
Messages you receive may contain limited personal information related to your service inquiry or referral status. Because these messages are not encrypted, anyone with access to your mobile device or carrier account may be able to view their content.

There is no fee charged by ASN to participate, but message and data rates may apply from your mobile carrier.

🔹 How to Opt Out
You can opt out of ASN’s text message program at any time by:

• Texting STOP to any ASN message
• Emailing info@americanseniornetwork.us
• Calling us at 727-342-0516

Once you opt out, you will no longer receive SMS communications unless you opt back in by texting START or contacting our team directly.

🔹 Help and Support
For assistance with SMS messaging, you may:

• Text HELP in response to any ASN message
• Contact our support team at 727-342-0516 or via email

🔹 Carrier Disclaimers

• ASN’s SMS program is supported by major U.S. wireless carriers.
• Carriers are not liable for delayed or undelivered messages.
• SMS delivery is not guaranteed on all devices or network types.

🔹 Privacy and Security
Your participation in this SMS program is also subject to our Privacy Policy, which explains how your information is collected, used, and protected.

If you have questions about this program or would like to adjust your communication preferences, contact us at:

📧 Email: info@americanseniornetwork.us
📞 Phone: 727-342-0516
🌐 Website: www.americanseniornetwork.us

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Do Not Sell or Share My Information
Last Updated: 07/01/2025

Your Privacy Rights
At American Senior Network ("ASN"), your privacy matters. Various U.S. state privacy laws—including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), Virginia Consumer Data Protection Act (VCDPA), and Utah Consumer Privacy Act (UCPA)—grant residents the right to opt out of the sale or sharing of their personal information. This disclosure explains how to exercise those rights with ASN.

Definition of 'Sell' and 'Share'
Under applicable laws, "sell" refers to the transfer of personal information to a third party for money or other valuable consideration. "Share" generally refers to providing personal information to third parties for targeted advertising (also known as cross-context behavioral advertising).

While ASN does not sell your personal information for financial gain, some limited data sharing with advertising platforms, analytics tools, and referral partners may be classified as a "sale" or "sharing" under state laws.

Information We Collect and Share
We may collect and share the following categories of personal information:

• Identifiers: Name, email address, IP address
• Internet/Network Activity: Browsing data, cookies, tracking pixels
• Geolocation Data: General location based on IP address
• Lead Information: Form submissions and service inquiries

This data may be shared with:

• Advertising platforms (e.g., Meta/Facebook, Google)
• Referral partners (e.g., licensed lenders, estate planners, credit consultants)
• Analytics tools (e.g., Google Analytics)

How to Opt Out of Sale or Sharing
To opt out of the sale or sharing of your personal information, send an email to:
📧 info@americanseniornetwork.us
Subject Line: "Do Not Sell or Share My Personal Information"
Include your full name and the email address associated with our services, along with a statement confirming your request.

Effect of Opting Out
Once we receive your opt-out request, we will process it within the timeframe required by your state (e.g., within 15 days for California, Virginia, and Colorado). Please note that opting out may limit certain functionalities, such as personalized advertising. Your opt-out does not restrict necessary information sharing for legal compliance, fraud prevention, or service delivery.

State-Specific Rights

California (CCPA/CPRA)

• Right to know, delete, correct, and limit use of sensitive personal information
• Right to opt out of sale/sharing

Colorado (CPA)

• Right to access, correct, delete, and opt out of sale/targeted ads

Connecticut (CTDPA)

• Right to access, correct, delete, data portability, and opt out of targeted ads

Virginia (VCDPA)

• Right to access, correct, delete, data portability, and opt out of targeted ads

Utah (UCPA)

• Right to access, delete, and opt out of sale and targeted ads

Cookies and Tracking Technologies
You can manage your cookie preferences in your browser settings or use the following tools:

• Digital Advertising Alliance (DAA): optout.aboutads.info
• Network Advertising Initiative (NAI): optout.networkadvertising.org
• Meta/Facebook Ad Preferences
• Google Ad Settings

Third-Party Links
ASN’s website may link to third-party websites. While we strive to work with privacy-conscious partners, ASN is not responsible for the privacy policies or practices of external sites.

General Disclaimers
American Senior Network is not affiliated with, endorsed by, or approved by HUD, FHA, or any government agency. Products and services referenced on this site are not government-sponsored or endorsed. This website is for educational use only.

Contact Information
For privacy-related concerns or to submit a Do Not Sell or Share request:

Email: info@americanseniornetwork.us
Website: www.americanseniornetwork.us

Trust. Transparency. Clarity.
At ASN, your privacy is a top priority. We believe in giving you full control and clarity over how your personal data is handled. Thank you for trusting us.

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Advertising Disclosure
Last Updated: 07/01/2025

At American Senior Network (“ASN”), transparency is one of our core values. We want you to clearly understand how we fund our operations and how certain listings, recommendations, or promotions may appear on our website.

🔹 Advertising-Supported Platform
ASN is an independent, advertising-supported publisher and referral service. We provide educational content and connect consumers with licensed professionals in reverse mortgages, estate planning, and credit counseling.

We may receive compensation from third-party partners and service providers in the form of:

• Referral or lead generation fees
• Sponsored content placements
• Featured listings or promotional rankings

This compensation may affect how and where certain listings appear on the site (for example, the order in which they appear within listing categories), but it does not influence our editorial integrity or the quality of the information we provide.

🔹 Editorial Independence
We strive to ensure that the information on our website is honest, objective, and designed to help users make informed decisions. All educational content is created independently of any advertising or partner agreements.

🔹 Partner Selection
ASN only partners with reputable, licensed professionals and companies. We vet our referral partners and advertising sponsors to ensure they meet professional standards and state licensing requirements where applicable.

🔹 No Endorsement
Inclusion of a product, service, or company on our site does not constitute an endorsement or recommendation. Company listings are based on partner agreements and/or user interest and do not reflect formal reviews or rankings unless explicitly stated.

🔹 Dynamic Offers & Content
Details about specific products or services—such as rates, terms, fees, and offers—are provided directly by our partners and are subject to change at any time. We strive to keep this information updated, but we do not guarantee its accuracy. Always confirm terms with the service provider before making any financial decisions.

🔹 How to Contact Us
If you have questions about our advertising practices or would like to know more about how we work with partners:

📧 Email: info@americanseniornetwork.us
📞 Phone: 727-342-0516
🌐 Website: www.americanseniornetwork.us

Trust. Transparency. Clarity.
ASN is committed to providing honest, unbiased information. Our advertising relationships help support our mission—to deliver educational resources that empower seniors to make well-informed financial decisions.

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Accessibility Statement
Last Updated: 07/01/2025

Our Commitment to Accessibility
At American Senior Network ("ASN"), inclusivity is part of our mission. We are committed to ensuring our website and online resources are accessible to everyone, including individuals with disabilities. We aim to provide a seamless and inclusive experience for all users.

Accessibility Standards
We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, a globally recognized standard that ensures digital content is more usable for all, including people with disabilities. ASN’s efforts also align with the Americans with Disabilities Act (ADA) and state-level accessibility requirements, including compliance with accessibility provisions of the California Consumer Privacy Act (CCPA).

Our Accessibility Actions
To support accessibility, ASN has implemented the following:

• We consider accessibility at every stage of our website design and development process.
• We perform manual and automated testing using assistive technologies such as screen readers and keyboard-only navigation.
• Our team—including developers, marketers, and content creators—receives ongoing accessibility training.
• We include accessibility compliance in our vendor and third-party service agreements.
• We actively engage users of assistive technology in usability testing.
• We address any identified accessibility issues promptly to maintain compliance and usability.

Third-Party Websites
Our website may contain links to other websites not owned or managed by ASN. While we encourage our partners and affiliates to follow accessibility best practices, we cannot guarantee the accessibility or functionality of third-party content.

Feedback & Assistance
We are constantly working to improve. If you encounter a barrier or need help accessing content on our website, please let us know. We’re here to assist you.

📧 Email: info@americanseniornetwork.us
🌐 Website: www.americanseniornetwork.us

Please include the following when contacting us:

• A brief description of the issue you encountered
• The URL or page where the issue occurred
• The assistive technology or browser you were using (if applicable)

We will make every reasonable effort to address your concern and ensure the requested content is available in a format you can access.

Trust. Transparency. Clarity.
At ASN, we believe accessibility is essential to trust and service. We are committed to continuous improvement, and to ensuring that every visitor can explore our services independently and with confidence.