Your privacy matters

Privacy Policy

Effective date: August 19, 2026

Joy Spencer Insurance Consultant ("we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit joyspenceragent.org, request insurance information, schedule a consultation, or communicate with us by telephone, email, or text message.

Information We Collect

We may collect information that you voluntarily provide, including your name, telephone number, email address, ZIP code, appointment preferences, insurance interests, and information needed to respond to a quote, enrollment, or customer-service request. When necessary to assist you with insurance coverage, we may also collect household, eligibility, physician, prescription, and coverage information that you choose to provide.

How We Use Information

We use information to respond to inquiries, schedule and confirm appointments, prepare requested insurance information, assist with applications and enrollments, provide customer support, communicate coverage or payment reminders, maintain business records, and comply with applicable legal and regulatory requirements.

Text Messaging and Consent

If you provide your mobile number and expressly consent to receive text messages, we may send messages related to your inquiry, requested quote, appointment, enrollment, or customer-service needs. Message frequency varies. Message and data rates may apply. Consent to receive text messages is not a condition of purchasing any product or service. You may reply STOP at any time to unsubscribe or HELP for assistance.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text-message originator opt-in data and consent will not be shared with any third parties, except with service providers that help us deliver messaging services or as required by law.

How We Share Information

We do not sell your personal information. We may share information with insurance carriers, enrollment platforms, government marketplaces, and service providers only as reasonably necessary to fulfill your request, service your coverage, operate our business, or comply with the law. These parties are expected to protect the information they receive and use it only for the applicable purpose.

Cookies and Website Data

Our website and its service providers may automatically collect limited technical information, such as browser type, device type, IP address, and pages visited, to maintain security and improve website performance. Your browser may allow you to limit or disable cookies.

Data Security and Retention

We use reasonable administrative and technical safeguards designed to protect personal information. No electronic system is completely secure. We retain information only for as long as reasonably necessary to provide services, maintain required records, resolve disputes, and meet legal obligations.

Your Choices

You may request access to or correction of your personal information, ask us to stop certain communications, or request deletion where applicable. To stop text messages, reply STOP. You may also contact us using the information below.

Policy Updates

We may update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date.

Contact Us

For questions or privacy requests, contact Joy Spencer Insurance Consultant at info@joyspenceragent.org or 443-617-4437.