Privacy Policy
Last updated: 29 September 2026 · Wealth Builders Insurance Agency, a division of A.L.I. Creative Solutions
The short version
We never sell your information. Not to data brokers, not to other agents, not to anyone.
The assessment asks real financial questions. Income band, debt, dependents and existing coverage. Those answers reach our CRM and are used to prepare for a conversation with you.
Amin is an AI assistant, not a person, and the conversation you have with it is saved and sent to us if you give us your details.
We only call or text you if you ticked the box. If you did not tick it, we do not keep the number.
The Strive For Excellence programs keep only what the program needs to run. A young person's work belongs to that young person, and nothing reaches a facilitator unless you choose to share it. Section 16 is the full clause.
You can ask us what we hold, correct it, or have it deleted, wherever you live. You do not have to be in a state with a privacy law. Write to info@wealthbuilders-insurance.com.
1. Who we are
Wealth Builders Insurance Agency ("we", "us", "our") is a licensed life and health insurance agency based in Charlotte, North Carolina, operating as a division of A.L.I. Creative Solutions. Chaka A. I. Ali is the licensed producer, National Producer Number 11126989, licensed in North Carolina, South Carolina, Virginia, Texas, Maryland, Michigan, Minnesota, Arizona, Oregon, Ohio, Nebraska, Kansas, Florida, Georgia and New Jersey.
Because we are an insurance producer, we are a "financial institution" under the federal Gramm-Leach-Bliley Act. Section 8 below is our GLBA privacy notice.
2. What we collect
When you contact us or book a session: your name, email address, phone number and state of residence.
When you complete the Waterfall Wealth Assessment: answers about your household income band, your debt, the number of people who depend on you, your existing coverage, your age band, your goals, and whether you own a business. The assessment produces an educational coverage estimate from those answers. All of it is sent to our CRM and it is the most detailed information this website collects.
When you download the Blueprint: your first name and email address, and your phone number only if you choose to give one.
When you apply to join the agency: your contact details, licensing status, experience, and anything you write in the message field.
When you inquire about agency services: your name, company, contact details, team size, budget band and what you describe. This is Waterfall Wealth Consulting business, and it never enters an insurance marketing list. Waterfall Wealth Consulting and Wealth Builders Insurance Agency both sit under A.L.I. Creative Solutions, and they keep separate records.
When you buy a seat in a program: your name, email address and phone number, the program you chose, how you paid, the amount, and any coupon code you used. The order page belongs to our CRM provider, and the payment itself is taken by the payment processor on that page. We never see, collect or store a card number or a PayPal login. After payment we open a seat on this site and email you a sign-in link.
Inside a program: section 16 lists it in full. In short: an account, which pages are finished, attendance, the work handed in at the end of each module, and self-check answers that stay with the person who wrote them unless they choose to share them.
When you chat with Amin: the whole conversation. If you then give us your contact details, the full transcript is sent to our CRM along with them, so that whoever calls you has read what you already said. Section 7 covers this.
How you arrived, if you send us something: when you reach the site from a link we have tagged, or from another website, we record which link it was and which page you landed on. It stays in your browser for that visit only, and it is sent to us only if you then choose to send us a form. It tells us which article or post was worth writing. It is not used to identify you, it is never sold or shared, and if you do not send us anything it never leaves your browser.
Anonymously, about the site itself: which pages are visited, from which country, on what kind of device, and how quickly each page loaded. This is aggregate only. It sets no cookie, it is not tied to you, and it is not combined with anything else we hold. We use it to find pages that are slow or that nobody can find. Section 13 has the detail.
What we do not collect: we do not use advertising trackers, we do not follow you to other websites, and we do not build a profile of you. We never sell any of it.
What we never ask for on this website: your Social Security number, your date of birth, your bank or card details, or medical records. Those belong on a carrier application, not on a web form.
3. How we use it
- To answer you, and to prepare properly for a conversation you asked for
- To obtain quotes and illustrations from carriers, when you have asked us to
- To send the educational material you requested, which you can stop at any time
- To meet our obligations as a licensed producer, including record-keeping required by state insurance departments
- To improve the site, using aggregated figures rather than anything that identifies you
We do not make automated decisions that produce legal or similarly significant effects about you. The assessment produces an educational estimate; a human being reviews anything that matters.
4. Calls and text messages
We call or text only the numbers given to us with express written consent, collected by a tick box that is never pre-ticked. The consent wording names the entity that will be contacting you, states that consent is not a condition of purchase, and tells you how to stop.
If you give us a phone number and do not tick the box, we do not keep the number. The rest of your inquiry still reaches us so we can email you.
You can stop messages at any time by replying STOP, or by calling or emailing us. Message and data rates may apply.
5. We do not sell your information
We do not sell, rent, trade or share your personal information for anyone else's marketing, and we do not engage in what state privacy laws call "targeted advertising" or "profiling in furtherance of decisions that produce legal or similarly significant effects".
6. Who we do share it with
- Insurance carriers, when you have asked us to obtain a quote, an illustration or to submit an application
- Our service providers, who run the CRM, the website, the program database, the scheduling and the email that this business operates on. They may use your information only to provide that service to us
- Our payment processors, when you buy a program seat. They handle the payment on their own pages under their own privacy policies, and they are the only ones who see your card or PayPal details
- Regulators and law enforcement, where the law requires it
7. Amin, our AI assistant
Amin is an artificial intelligence assistant. It is not a person and it is not Chaka. It will tell you so if you ask.
Amin is there to answer questions and work out what you need. It cannot recommend a specific product to you, quote a premium, or give tax or legal advice, and it will hand you to a licensed human being for anything that requires one.
The conversation is held in your browser while you have it. If you choose to submit your contact details through the chat, the transcript of that conversation is sent to our CRM with them, and it is stored there with your record. If you would rather that did not happen, do not submit your details through the chat; call or email us instead.
8. Our GLBA privacy notice
As an insurance producer we are required to tell you what we do with non-public personal information. This is that notice.
What we collect is described in section 2. What we disclose is described in section 6.
We do not disclose non-public personal information about you to any non-affiliated third party except as permitted by law, which in practice means the carriers and service providers named in section 6, and regulators. Because our disclosure is limited to what the law permits, there is no sharing for you to opt out of. If that ever changes, we will tell you before it does and give you a way to say no.
We restrict access to your information to the people who need it to serve you, and we maintain physical, electronic and procedural safeguards to protect it.
This notice continues to apply to former clients as well as current ones.
9. How long we keep it
- Inquiries that never became a client relationship: up to 24 months, then deleted
- Assessment answers: up to 24 months, unless you become a client
- Chat transcripts: up to 24 months
- Client records, including applications and policy documents: at least 5 years after the relationship ends, because state insurance regulators require producers to keep them. Some states require longer and we keep to the longest that applies
- Consent records: the wording you agreed to and the date, kept for at least 5 years, because that record is what makes contacting you lawful
- Analytics: aggregated and never tied to you as an individual, and retained by our host rather than by us
You can ask us to delete your information sooner, and we will, except where a regulator requires us to keep it.
10. Your rights, wherever you live
A growing number of states give residents privacy rights, and the rules differ from state to state. Rather than ask you to work out whether your state qualifies, we extend the same rights to everybody who contacts us. You may ask us to:
- Confirm whether we hold information about you, and give you a copy
- Correct anything that is wrong
- Delete what we hold, subject to the record-keeping in section 9
- Stop sending you marketing, which you can do without affecting anything else
- Receive your information in a portable format
Ask by emailing info@wealthbuilders-insurance.com or calling (980) 304-1500. We will respond within 45 days and will tell you if we need longer. There is no charge, and asking will never change how we treat you. Inside a program, the account's own information page shows what is held and has the delete button; a deletion waits 7 days in case it was a mistake, then it is permanent.
If we refuse a request you may appeal it by replying to our answer, and we will review it and explain the outcome in writing. Residents of Virginia, Texas, Oregon, Minnesota, Nebraska, Maryland and several other states have a further right to complain to their state Attorney General.
Some of the information we hold is regulated by the federal Gramm-Leach-Bliley Act, and state privacy laws generally exempt that information. We are telling you about these rights anyway rather than using the exemption to say less.
11. Sensitive information
Some of what the assessment asks is treated as sensitive by state privacy laws, and answers about health are treated as sensitive everywhere. We collect it only because you volunteered it in order to get an estimate, we use it only for that purpose and to prepare for your conversation, and we never sell or share it for advertising. You can decline any question and still get a result.
12. Security
We use reasonable administrative, technical and physical safeguards to protect your information. No website or electronic storage is completely secure, and we will not pretend otherwise. If a breach ever affects your information, we will notify you as the law requires and tell you what happened.
13. Cookies and analytics
We use Vercel Web Analytics and Vercel Speed Insights, provided by the company that hosts this site. They set no cookies and they do not identify you. They count page views, and record the country, browser and device type, and how fast each page loaded. There is no cross-site tracking, no advertising profile, and nothing that can be traced back to a person.
That is why this site has no cookie banner. There is no tracking cookie to ask you about.
We use your browser's own storage for two small things that never leave your device unless you send us a form: whether you have dismissed something, and how you arrived, which section 2 describes. You can clear both in your browser settings at any time, and closing the tab clears the second one on its own.
14. Other people's websites
We link to third-party services including our scheduling platform and the health enrollment marketplace. Once you are on their site, their privacy policy governs, not ours.
15. Young people
This website is not directed to children, and we do not knowingly collect personal information through it from anyone under 18. If you believe a child has given us information here, contact us and we will delete it.
Our community education programs are a separate matter. Strive For Excellence and Youth Today Leaders Tomorrow are open to young people from age 14 in group settings. The Waterfall Wealth Creation Series is from age 16, with a parent. One-to-one mentoring is for adults 18 and over only. Where a participant is under 18, a parent or guardian gives written permission first, we collect only what is needed to run the program, and we do not take contact details from a young person directly. A parent may give a 14 to 17 year old their own login with their own email; that permission is the consent to hold it, for the program and nothing else. When the young person turns 18 they give their own consent and the account is theirs. Nobody under 18 is added to a marketing list. Everyone who works with young people is approved beforehand by the board of Youth Today Leaders Tomorrow, by leadership staff and by members of the community, for the subject they are there to teach.
16. The Strive For Excellence programs
This is the privacy clause for the programs, in the words a parent or a participant reads before anything starts. It is the same clause on the consent screen. Where it says we, it means Wealth Builders Insurance Agency, Waterfall Wealth Consulting, Youth Today Leaders Tomorrow and A.L.I. Creative Solutions.
Who we are
Strive For Excellence is run by Wealth Builders Insurance Agency, Waterfall Wealth Consulting and Youth Today Leaders Tomorrow, which all sit under A.L.I. Creative Solutions. When this clause says we, it means those four.
What we collect
A name, an email address, and for a young person an age band and the cohort they are in. A parent or guardian gives their own name and contact details. A young person has no email of their own with us unless their parent or guardian gives them their own login; that permission is the consent to hold it, for the program and nothing else. Inside the program we keep which pages a participant has finished, whether they were at each session, the work they hand in at the end of each module, and the answers they give in their own self-checks. For older participants whose parent has said yes, we also keep their answers to a short start and end questionnaire.
Why we collect it
To give a person access, to show them where they left off, and to let a facilitator and a parent see that the work is being done. That is the whole list.
The self-checks are not a test
The short questions at the start of each module are for the participant to think with. They are not scored, not ranked, and not compared to anybody else. Nobody passes or fails one.
Who can read the answers, and who decides
By default nobody but the participant and their parent or guardian. A facilitator sees that a self-check was completed and not what it says. You can choose to share the answers with your facilitator, which helps them teach the room in front of them. That choice is yours, it is off until you turn it on, and you can turn it back off whenever you want. Turning it off stops the sharing from that moment.
The work at the end of each module
Each module ends with something to do, like a one-page plan or a first ledger. You hand that in and your facilitator marks it done, or asks for another go, and writes a note. It is not graded and there is no score. Your facilitator, your parent or guardian, and we can see it.
Being at a session
We mark whether somebody was at each session. A mark and a date, and nothing else. We do not record lateness, a reason for missing one, or notes about behavior.
The questionnaire, which is optional
Participants aged fourteen and over may answer twelve short statements about themselves at the start and at the end. For anybody under eighteen a parent or guardian says yes first, and they can say no with nothing lost: everything else in the program runs exactly the same. Your own answers are seen by you and by your parent or guardian, and nobody else. Your facilitator can see that you completed it.
What we tell a school or a masjid about a cohort
We report the average for the whole group, never one person’s answers and never a name beside a number. We do not report a group average at all for a group smaller than five, because in a small group an average is close enough to a name.
What a parent can see, and what they can add
A parent or guardian linked to a young person can see that person’s progress, and can leave notes for the facilitator about anything that helps the room serve their child. Those notes are visible to the facilitator and to us. They are not visible to other families. A parent or guardian also makes the sharing choice above on behalf of a young person. When the young person turns eighteen they give their own consent, the account becomes theirs, and the parent’s view of it ends.
What a facilitator can see
A facilitator sees the participants in the cohorts they are assigned to, and nothing from any other cohort. Assignment is per cohort, so it ends when the cohort does.
What we never do
We do not sell, rent or trade anyone’s information. We do not use a young person’s participation to market insurance to their family. Signing up for this program does not put anybody on a sales list.
The program is separate from the insurance business
Enrolling in Strive For Excellence does not open an insurance file and does not start an insurance conversation. If a family later asks us about insurance, that is a separate conversation that they start.
Payments
Payments are handled by our payment processor on their own pages. We do not see, collect or store card numbers at any point.
How long we keep it
For as long as someone is in the program, and afterwards for as long as we need to show that a certificate was earned. Ask us to delete an account and we will, except for anything we are required to keep.
Asking us about your information
Write to us and we will tell you what we hold about you or your child, correct it if it is wrong, or delete it. A parent or guardian can do this on behalf of a young person.
17. Changes
If we change this policy we will change the date at the top. If a change materially affects how we use information we already hold, we will tell you directly rather than rely on you noticing.
18. Contact
- Support, refunds and privacy requests: info@wealthbuilders-insurance.com
- Chaka A. I. Ali: chaka@wealthbuilders-insurance.com
- Phone: (980) 304-1500
- Post: Wealth Builders Insurance Agency, Charlotte, North Carolina
Disclaimer: This policy is provided for informational purposes. Wealth Builders Insurance Agency recommends consulting with a qualified attorney for specific legal guidance regarding your privacy obligations.