1. Introduction

Welcome to the website and services operated by WRLD Media ("WRLD Media", "we", "us", "our"), doing business in connection with the Site at aiappointmnts.com (including services previously marketed under the sub-brand name "AI Appointments"). We provide qualified lead generation, SMS and voice agents for lead qualification and follow-up, and automated appointment booking services (the "Services") primarily for mortgage brokers and loan officers ("Clients").

This Privacy Policy explains how we collect, use, disclose, protect, and otherwise process personal information when you visit our website aiappointmnts.com (the "Site"), use our Services as a Client, or when we process personal information of leads ("Leads") on behalf of our Clients through our Services.

We are committed to protecting your privacy and handling your personal information transparently and securely. Please read this policy carefully. By using our Site or Services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect different types of information depending on your interaction with us:

Information You Provide Directly:

• Clients: When you sign up for our Services, request a demo, or contact us, we may collect your name, email address, phone number, company name, job title, payment information (processed by our third-party payment processors), account credentials, and information about your service requirements.

• Website Visitors: If you fill out a contact form, subscribe to updates, or interact with Site features, we may collect your name, email address, phone number, and any other information you choose to provide.

Information Collected Automatically (Site Usage):
When you visit our Site, we may automatically collect information like your IP address, browser type, operating system, device information, pages visited, time spent on pages, and referring website addresses through cookies and similar tracking technologies.

Information Processed on Behalf of Clients (Lead Data):
When providing Services to our Clients, we process information about Leads generated through marketing campaigns run on behalf of our Clients. This may include Lead names, email addresses, phone numbers, and information relevant to mortgage qualification provided by the Lead (e.g., estimated credit score range, household income range, purchase/refinance intent, loan timeline).

We also process data from interactions between our agents (SMS/voice) and Leads, which may include transcripts, call logs, and qualification outcomes. This is done solely to provide the Services to our Clients. WRLD Media acts as a data processor for this Lead Data on behalf of our Clients, who are the data controllers.

3. How We Use Your Information

We use the information we collect for various purposes:

• To Provide and Manage Services: To set up and maintain Client accounts, deliver lead generation and agent services, process payments, and manage our relationship with Clients.

• To Process Lead Information for Clients: To qualify Leads using agents, conduct follow-ups, book appointments on behalf of our Clients, and provide Clients with relevant Lead data and interaction history.

• To Communicate: To respond to inquiries, send service-related updates, provide customer support, and send marketing communications (where permitted and with opt-out options).

• To Improve Our Site and Services: To analyze usage trends, monitor the effectiveness of our Site and Services, troubleshoot issues, develop new features, and improve performance (often using aggregated or anonymized data).

• For Security and Compliance: To protect the security and integrity of our Site and Services, prevent fraud, enforce our terms, and comply with legal obligations.

4. How We Share Your Information

We do not sell your personal information. We may share information in the following circumstances:

• With Our Clients: We share Lead information (including contact details, qualification data, and interaction history) collected and processed on their behalf directly with the respective Client for whom the Services are being performed.

• With Service Providers: We engage third-party companies and individuals to perform services on our behalf (e.g., cloud hosting providers like AWS/Google Cloud, CRM platforms, payment processors, communication platforms like Twilio for SMS/Voice functionalities, analytics providers). These providers only have access to the information necessary to perform their tasks and are obligated not to disclose or use it for other purposes.

• For Legal Reasons: We may disclose information if required by law, regulation, legal process (like a subpoena), or governmental request, or to protect the rights, property, or safety of WRLD Media, our Clients, our users, or the public.

• Business Transfers: In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5. Automated Processing and Agents

Our Services utilize automated systems, including SMS and voice agents, to interact with Leads on behalf of our Clients. These agents:

• Engage in conversations to qualify Leads based on criteria defined by our Clients.

• Analyze responses to determine intent and readiness.

• Automate follow-up communications.

• Schedule appointments based on qualification outcomes and calendar availability.

Conversational data is processed to perform these tasks. While systems may make initial qualification assessments and booking decisions based on predefined logic, the ultimate decision regarding a loan application always rests with our Client (the Loan Officer/Mortgage Broker). We strive to ensure our systems are fair and continuously monitor their performance.

6. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect the personal information we process against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. These measures include encryption, access controls, secure infrastructure, and regular security reviews. However, please note that no method of transmission over the Internet or electronic storage is 100% secure.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law, or as dictated by our agreements with our Clients (for Lead Data).

• Client information is typically retained for the duration of the active service relationship and for a reasonable period afterward for record-keeping and legal purposes.

• Lead Data processed on behalf of Clients is retained according to the Client's instructions or our service agreement terms, and typically only for the period necessary to provide the Services.

• Site usage data may be retained for analytical purposes for a limited period.

8. Your Privacy Rights

Depending on your location and relationship with us, you may have certain rights regarding your personal information:

• For Clients and Website Visitors: You may have the right to access, correct, update, or request deletion of your personal information held by us. You may also have the right to object to or restrict certain processing. You can usually manage your account information directly or by contacting us.

• For Leads Processed on Behalf of Clients: Since we process your data as a data processor acting on instructions from our Client (the Loan Officer/Mortgage Broker who is the data controller), requests to exercise your privacy rights (such as access, correction, deletion) should generally be directed to that Client. However, you can also contact us, and we will assist by forwarding your request to the relevant Client where appropriate and feasible.

You can opt-out of marketing communications by following the unsubscribe link in emails or contacting us.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and analyze our Site, remember your preferences, and improve your experience. You can manage your cookie preferences through your browser settings. For more details, please see our Cookie Policy (if applicable) or manage preferences in your browser.

10. Children's Privacy

Our Site and Services are not directed to individuals under the age of 13 (or a higher age threshold where applicable law requires). We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

11. Third-Party Links

Our Site may contain links to other websites not operated by us. If you click a third-party link, you will be directed to that site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12. Refund and Cancellation Policy

This section describes our refund and cancellation practices for paid subscription Services offered by WRLD Media via aiappointmnts.com (including monthly retainer plans such as those billed at approximately $297/month or $497/month, or other plans we may offer from time to time).

No refunds
All purchases of our Services are final once payment is successfully processed. We do not offer refunds, credits, or chargebacks for any reason, including but not limited to dissatisfaction with results, change of mind, unused service time, account inactivity, or early cancellation. Lead generation, agent usage, setup, and related work begin (or are reserved) upon payment; fees compensate for access and delivery of the Services during the paid period.

Subscriptions and billing

• Paid plans are billed on a recurring basis (typically monthly) in advance for the upcoming service period.

• By subscribing, you authorize WRLD Media and our payment processor(s) to charge your designated payment method on a recurring basis until you cancel.

• Prices and plan features may change; we will provide notice of material changes as required by applicable law or our agreement with you.

Cancellation

• You may cancel your subscription at any time by contacting us at the email below or through any self-serve cancellation method we provide in your account (if available).

• Cancellation stops future renewals only. You will retain access to the Services through the end of the billing period already paid for.

• We do not provide prorated refunds or credits for the unused portion of any billing period after cancellation.

• It is your responsibility to cancel before the next renewal date if you do not wish to be charged for a subsequent period.

Failed payments and suspension
If a payment fails, we may retry the charge, suspend or limit access to the Services, and/or terminate the account until outstanding amounts are paid.

Chargebacks
Initiating a chargeback or payment dispute without first contacting us may result in immediate suspension or termination of your account. Please contact support first so we can attempt to resolve the issue.

Exceptions
Any exception to this policy (if any) is solely at WRLD Media’s discretion and must be confirmed by us in writing. Nothing in this policy limits rights that cannot be waived under applicable law.

This Refund and Cancellation Policy is part of your agreement with WRLD Media when you purchase or use paid Services.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. For significant changes, we may provide more prominent notice (e.g., via email to Clients). We encourage you to review this Privacy Policy periodically for any changes.

14. Contact Us