Privacy Policy

1. Information We Collect

We may collect the following categories of information when you use this website:

• Contact information you provide voluntarily, such as your name, phone number, and email address.
• Information about your request, such as your answers to our short questionnaire (age range, state, tobacco use, coverage interest, and similar questions).
• Marketing and device information, such as the referring website, advertising identifiers (for example, utm_source, utm_medium, utm_campaign, utm_content, and fbclid parameters), IP address, browser type, and pages you visit.
• Communications, including records of calls, text messages, and other contacts with us or with licensed agents.

2. How We Use Your Information

We use the information we collect to:

• Contact you by phone, call, text message (SMS), and email about the products and services you asked about.
• Determine which products and programs may fit your situation.
• Respond to your questions and provide customer service.
• Measure the performance of our advertising and improve our website.
• Comply with legal, regulatory, and record-keeping requirements, including the Telephone Consumer Protection Act (TCPA) and federal and state insurance regulations.

3. TCPA Consent and Communication Choices

We take your consent seriously. When you submit a form on this website, you may be asked to check a box and provide your mobile number. By checking that box, you agree to receive calls and text messages from licensed agents about your request at the number you provided.

• Consent is not a condition of purchase. You are not required to consent to marketing messages in order to buy anything or to get information.
• Message frequency and rates vary. Message and data rates may apply, depending on your mobile carrier and plan.
• Opting out of text messages: Reply STOP to any text message and we will stop texting that number. You may also call or text us at 1-866-499-0131 to opt out.
• Opting out of calls: Ask the agent who contacts you to add you to our internal Do Not Call list, or call or text us at 1-866-499-0131.
• Opting out of email: Use the unsubscribe link in any marketing email we send.
• We record your consent choices (what you agreed to, when, and through which page) so we can honor them.

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Licensed agents of Spencer Financial Group who contact you about your request.
• Insurance carriers and program partners, when you ask to apply for coverage or a specific product, so they can process your request.
• Service providers that help us operate our website, advertising, texting, and customer communication systems, under agreements that require them to protect your information.
• Law enforcement or regulators, when required by law or legal process.

5. Cookies and Advertising

We and our advertising partners use cookies, tracking pixels, and similar technologies to measure visits to this site, understand which advertisements bring people here, and improve our marketing. This may include advertising platforms such as Facebook/Meta. You can adjust your browser settings to block cookies, and you can adjust your choices in the settings of advertising platforms such as Facebook.

6. Data Retention

We keep your information for as long as needed to provide the products and services you requested, to contact you about your request, and to meet legal and regulatory record-keeping requirements. If you opt out of communications, we keep a record of that opt-out so we can honor it.

7. Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we hold. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on your state, you may have rights to request access to, correction of, or deletion of personal information we hold about you, and to opt out of certain uses and disclosures. To exercise any of these rights, or to opt out of communications, call or text us at 1-866-499-0131.

Federal law also gives you the right to opt out of further telemarketing calls. We honor requests to be added to our internal Do Not Call list.

9. Children's Privacy

This website is intended for adults. We do not knowingly collect personal information from anyone under 18 years of age.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page shows when it was last updated. Continued use of this website after changes are posted means you accept the updated policy.

11. Contact Us

Questions about this Privacy Policy or about your communication preferences? Call or text 1-866-499-0131.