Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Contact Information: Name, phone number, email address, and mailing address
• Appointment Information: Preferred dates, times, and the nature of your insurance inquiry
• Health & Demographic Information: Age, date of birth, tobacco use status, and general health information as needed to obtain insurance quotes
• Financial Information: General income range or coverage budget (never full financial account details)
• Communications: Records of your correspondence with us via phone, email, or SMS

We also collect certain information automatically when you visit our website, including your IP address, browser type, pages visited, and time spent on pages.

2. How We Use Your Information

We use the information we collect to:

• Schedule and confirm appointments for insurance consultations
• Provide insurance quotes by comparing rates across 40+ A-rated carriers
• Send appointment reminders and follow-up communications
• Respond to your questions and requests
• Send educational content about insurance products relevant to your needs
• Comply with legal and regulatory obligations as a licensed insurance broker
• Improve our website and services

We will never sell your personal information to third parties for their own marketing purposes.

3. SMS / Text Message Policy

4. Sharing of Information

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Insurance Carriers: To obtain quotes and process applications on your behalf, with your knowledge and consent
• Service Providers: With trusted technology vendors (such as our CRM and scheduling platform) who assist us in operating our business — these vendors are bound by confidentiality obligations
• Legal Requirements: When required by law, court order, or regulatory authority as a condition of our insurance license
• Business Transfers: In connection with a merger or sale of the business, with appropriate privacy protections

We do not purchase leads or engage in affiliate marketing arrangements that involve sharing your contact information with third parties for their own solicitation purposes.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, loss, or disclosure. These measures include:

• Encrypted data transmission (HTTPS) on our website
• Secure, access-controlled CRM systems for storing client data
• Limited access to personal information on a need-to-know basis

While we take reasonable steps to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.

6. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal and regulatory retention requirements
• Opt-Out of SMS: Withdraw consent to receive text messages at any time by replying STOP
• Opt-Out of Email: Unsubscribe from marketing emails using the link in any email we send

To exercise any of these rights, please contact us using the information in Section 11 below.

7. Cookies & Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. Cookies are small text files stored on your device.

We may use:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: To understand how visitors use our site (e.g., pages visited, time on site)

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites, including state insurance department license verification tools and carrier websites. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.