Privacy Policy

1. Scope

This Privacy Policy applies to information collected through our website, online forms, scheduling tools, email and SMS programs, telephone communications, and related services. It does not govern the privacy practices of insurance carriers, benefit providers, or other independent third parties that maintain their own privacy notices.

By using our website, you acknowledge the practices described in this Privacy Policy. Your use of the website is also subject to our Terms of Service.

2. Information We Collect

Information You Provide

We may collect information that you voluntarily provide, including:

• Name, email address, telephone number, and mailing address.
• Insurance interests, service preferences, and inquiry details.
• Appointment information and communications with our team.
• SMS and email consent choices, including opt-in and opt-out records.
• Information reasonably necessary to provide requested insurance guidance, quotes, enrollment assistance, or policy-related service.

Information Collected Automatically

When you use our website, we and our service providers may automatically collect limited technical information, such as:

• IP address
• Browser and device type
• Referring page
• Pages visited
• Approximate location derived from IP address
• Website interactions

This information may be collected through cookies, pixels, server logs, and similar technologies.

Information from Third Parties

We may receive information from insurance carriers, benefit providers, referral partners, scheduling providers, communications platforms, and other service providers when necessary to respond to your request or provide services you authorize.

3. How We Use Your Information

We may use information to:

• Respond to questions and provide requested insurance guidance.
• Prepare or facilitate quotes, applications, and enrollment requests.
• Schedule consultations and send appointment communications.
• Provide customer support and service existing relationships.
• Send transactional SMS or email communications and, where separately authorized, promotional communications.
• Maintain records of consent, opt-outs, and communications preferences.
• Operate, secure, troubleshoot, and improve our website and services.
• Detect fraud, misuse, security incidents, or unlawful activity.
• Comply with legal, regulatory, licensing, and recordkeeping obligations.

4. How We Share Your Information

We do not sell your personal information.

We may disclose information only as reasonably necessary in the following circumstances:

Insurance & Benefits Services

We may share information with insurance carriers, benefit providers, enrollment platforms, licensed agents, and other parties involved in a quote, application, enrollment, or service you request.

Service Providers

We may use vendors that support website hosting, customer relationship management, scheduling, communications, analytics, security, and customer service. They may process information only to provide services on our behalf.

Legal & Safety

We may disclose information when required by law, legal process, regulatory request, or when reasonably necessary to protect rights, safety, security, or prevent fraud.

Business Transactions

Information may be transferred in connection with a merger, acquisition, financing, reorganization, or sale of business assets, subject to applicable law.

With Your Consent

We may disclose information when you direct or authorize us to do so.

5. SMS & Email Communications

Transactional Communications

If you request services or provide the required consent, we may send communications related to appointments, requests, applications, enrollments, policy service, account activity, or other transactions you initiate.

Marketing Communications

We send promotional SMS messages only when you provide separate affirmative consent.

Consent is never a condition of purchasing insurance products or services.

Message frequency may vary.

Message and data rates may apply.

Opt-Out

Reply STOP to opt out.

Reply HELP for assistance.

You may also contact:

Phone: (904) 977-6919

Email: [email protected]

Marketing emails include an unsubscribe link.

6. Cookies & Analytics

We and our service providers may use cookies and similar technologies to operate the website, remember your preferences, understand website usage, measure performance, improve functionality, and support website security.

Cookies used on our website may include:

• Strictly Necessary Cookies – Required for the website to function properly.
• Analytics Cookies – Help us understand website traffic and improve user experience.
• Functional Cookies – Remember preferences and enhance usability.
• Marketing Cookies – Support advertising and remarketing efforts when enabled.

Where required by applicable law, non-essential cookies will be used only after you provide your consent through our Cookie Preferences tool.

You may review or modify your cookie preferences at any time by selecting the Cookie Preferences link available in the website footer.

You may also manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

If additional analytics, advertising, or tracking technologies are introduced in the future, this Privacy Policy will be updated accordingly.

7. Data Retention & Security

We retain information only as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, service your requests, maintain business and consent records, resolve disputes, enforce agreements, and comply with legal, regulatory, licensing, and recordkeeping obligations.

We use reasonable administrative, technical, and physical safeguards to protect information.

However, no method of transmission or storage can be guaranteed to be completely secure.

8. Your Privacy Choices

Subject to applicable law, you may request:

• Access to personal information
• Correction of inaccurate information
• Deletion of personal information
• Changes to communication preferences

Identity verification may be required before processing a request.

Submit requests to:

[email protected]

or

(904) 977-6919

9. Children's Privacy

Our website is not directed to children under 13.

We do not knowingly collect personal information directly from children under 13.

10. Third-Party Websites

Our website may contain links to third-party websites or services.

Their privacy practices are governed by their own policies.

We encourage visitors to review those policies before providing personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, technologies, or legal obligations.

The updated version will display a revised Last Updated date.

Material changes will be communicated when required by applicable law.