Privacy Policy

Foxworth Insurance Agency | Effective Date: January 1, 2025

Important Notice: SMS & Text Messaging Data

Foxworth Insurance Agency does not share customer opt-in data, including phone numbers and consent records, with any affiliates or third parties for marketing or promotional purposes. All text messaging originator opt-in data is kept strictly confidential.

Information We Collect

We collect information you provide directly and information generated through your use of our services.

Personal Information

• Name, email address, phone number, and physical address
• Payment and billing information provided for quotes or purchases
• Insurance application data, including health and coverage details required by carriers
• Opt-in records and timestamps for all communication channels, including SMS and email
• Government-issued identification where required by law or carrier

Non-Personal Information

• IP address, browser type, and device information
• Website usage patterns and analytics data
• Cookies and similar tracking technologies

Service Communications

• Records of inquiries and service requests
• Appointment details and scheduling preferences
• Policy and coverage history discussed during consultations
• Feedback and satisfaction records

How We Use Your Information

We use collected data to deliver, improve, and communicate about our insurance services. Specific uses include:

• Processing insurance applications and obtaining quotes on your behalf from licensed carriers
• Communicating about appointments, policy updates, renewals, and open enrollment periods
• Fulfilling legal and regulatory obligations as a licensed insurance agency in North Carolina, South Carolina, and Virginia
• Processing payments and maintaining transaction records
• Improving our website and service experience
• Maintaining records of your communication preferences and consent elections
• Detecting and preventing fraud or unauthorized access

SMS Messaging & Compliance

By opting into our SMS messaging service, you agree to receive text messages related to your insurance consultations, appointment reminders, policy updates, and enrollment deadlines.

Opt-In

You receive messages only after providing explicit consent. We maintain timestamped records of all opt-in actions and comply with the Telephone Consumer Protection Act (TCPA).

Opt-Out

Reply STOP at any time to cancel. You will receive one final confirmation, and no further messages will be sent unless you re-opt in. All opt-out requests are processed immediately.

Message Frequency

Frequency varies based on your service interactions. Messages relate directly to services you have requested. Promotional content requires separate consent.

Help & Support

Reply HELP for assistance or contact us at info@foxworthinsuranceagency.com. Support is available during regular business hours.

Carrier notice: Standard message and data rates may apply. Carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers.

No mobile opt-in data will be shared with third parties or affiliates for marketing or promotional purposes. Sharing with subcontractors for direct service support is permitted. Text messaging originator opt-in data and consent records are excluded from all other data-sharing categories and will not be shared with any third party.

Information Sharing & Disclosure

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

Insurance Carriers & Plan Administrators

• Licensed insurance carriers, Medicare plan sponsors, and marketplace administrators require personal and health information to quote, underwrite, and issue coverage on your behalf.
• This sharing is necessary to fulfill your service request and is governed by federal and state insurance regulations.

Service Providers

• Third-party vendors who assist with payment processing, appointment scheduling, and customer relationship management
• SMS aggregators and delivery providers solely for the purpose of sending messages you have consented to receive
• All service providers are contractually obligated to maintain confidentiality and data security

Legal Requirements

• When required by applicable law, court order, or valid law enforcement request
• To protect the rights, property, or safety of Foxworth Insurance Agency, our clients, or the public
• To comply with state insurance department audits or regulatory examinations

Business Transfers

In connection with a merger, acquisition, or sale of business assets, your data remains protected under the terms of this policy. All categories above exclude text messaging originator opt-in data and consent records. This information will not be shared with any third parties, excluding SMS aggregators and service providers directly required to deliver your messages.

Data Security

We implement and maintain reasonable security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication mechanisms
• Regular security assessments and system updates
• Employee training on data protection practices
• Breach notification protocols in accordance with applicable state and federal laws
• Secure backup systems and disaster recovery procedures

No method of data transmission or electronic storage is completely secure. We use commercially reasonable measures to protect your information but cannot guarantee absolute security.

Cookies & Tracking Technologies

We use cookies and similar technologies to analyze site traffic, remember your preferences, improve website functionality, and measure the effectiveness of our services.

You may control cookies through your browser settings. Disabling cookies may limit certain features of our website.

Your Rights & Choices

You have the right to:

• Access, update, or request deletion of your personal information
• Opt out of marketing emails by clicking “unsubscribe” in any email we send
• Opt out of SMS messages by replying “STOP”
• Request information about how we process and store your data
• Withdraw consent at any time for future communications
• Lodge a complaint with a supervisory authority if you believe your rights have been violated

Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and government resources such as Medicare.gov and HealthCare.gov. We are not responsible for the privacy practices of those sites and encourage you to review their policies.

This Privacy Policy applies only to information collected directly by Foxworth Insurance Agency.

Policy Changes

We may update this policy periodically. The latest version will always be available on our website with the current effective date. For significant changes, we will notify you by email or through a notice on our website.

Continued use of our services after any update constitutes acceptance of the revised policy.