Website and messaging terms

Terms and Conditions

Effective date: August 19, 2026

These Terms and Conditions govern your use of joyspenceragent.org and communications with Joy Spencer Insurance Consultant ("we," "us," or "our"). By using this website or requesting our services, you agree to these terms.

Insurance Information and Services

Information provided on this website or through a consultation is for general educational and insurance-assistance purposes. Coverage, premiums, benefits, provider participation, prescription coverage, eligibility, and effective dates are determined by the applicable insurance carrier, government marketplace, or plan documents. Insurance coverage is not effective until an application is approved and any required premium is received by the carrier.

No Guarantee of Coverage

We work carefully to provide accurate information, but plan details may change and no website statement, quote, email, or text message guarantees eligibility, enrollment, approval, payment of a claim, or coverage of a particular service. Official carrier and plan documents control if there is a conflict.

Text Messaging Program

When you provide your mobile number and expressly opt in, you agree to receive text messages from Joy Spencer Insurance Consultant concerning your requested insurance quote, scheduled appointment, application or enrollment, payment or document reminders, and customer-service needs. Message frequency varies based on your requests and service needs. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any insurance product or service. You may opt out at any time by replying STOP. After opting out, you may receive one confirmation message. For assistance, reply HELP or contact us at 443-617-4437 or info@joyspenceragent.org. Carriers are not responsible for delayed or undelivered messages.

Customer Responsibilities

You agree to provide accurate and complete information, review application details and official plan documents, protect your account information, and promptly notify us or the applicable carrier of relevant changes. You are responsible for making required premium payments directly to the carrier by the stated deadline.

Acceptable Website Use

You may use this website only for lawful purposes. You may not attempt to interfere with the website, gain unauthorized access, introduce harmful code, misrepresent your identity, or use website content in a way that violates applicable law or another person's rights.

Third-Party Services and Links

This website may link to scheduling services, insurance carriers, government marketplaces, enrollment platforms, and other third-party resources. Those services operate under their own terms and privacy practices. We are not responsible for the content, availability, or practices of third-party websites.

Privacy

Your use of this website and our messaging services is also governed by our Privacy Policy.

Changes to These Terms

We may update these Terms and Conditions periodically. Updated terms will be posted on this page with a revised effective date. Continued use of the website after an update constitutes acceptance of the revised terms.

Contact Us

Questions about these terms may be directed to Joy Spencer Insurance Consultant at info@joyspenceragent.org or 443-617-4437.