Privacy Policy

Effective Date: May 2025

Joseph & Mary NCPA Insurance Services ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or submit a request for an insurance coverage review.

Please read this policy carefully. By using our website or submitting your information, you agree to the practices described below.

1. Information We Collect

We may collect the following types of personal information when you use our website or submit our coverage review form:

• Full name, email address, phone number
• Home address, city, state, and ZIP code
• Preferred contact method and best time to contact
• Insurance interests (home, auto, life, or bundle)
• Information about your current insurance policies and coverage goals
• Any additional notes or details you voluntarily provide

We do not collect sensitive financial account numbers, Social Security numbers, or payment information through this website.

2. How We Use Your Information

We use the information you provide to:

• Respond to your insurance coverage review request
• Contact you by phone, text, or email based on your stated preferences
• Route your request to the appropriate advisor for follow-up
• Improve our website, services, and communication processes
• Comply with applicable laws and regulations

We do not sell your personal information to third parties. We do not use your information for unsolicited marketing unrelated to your insurance request.

3. How We Share Your Information

We may share your information in the following limited circumstances:

• Insurance carriers and partners: To obtain quotes or options relevant to your coverage needs, with your implied consent from submitting the form.
• Service providers: We use third-party tools (such as GoHighLevel CRM) to manage and respond to your inquiries. These providers are bound by confidentiality obligations.
• Legal requirements: If required by law, regulation, or legal process, we may disclose your information to appropriate authorities.

We do not sell, rent, or trade your personal information to any third party for their own marketing purposes.

4. Cookies and Tracking Technologies

Our website may use cookies, tracking pixels, or similar technologies to understand how visitors interact with our site. This may include tools such as Google Analytics, Google Tag Manager, or Meta (Facebook) Pixel. These tools collect anonymous usage data to help us improve our website performance and advertising.

You may disable cookies through your browser settings. Disabling cookies will not prevent you from using the core features of this website.

5. Text Message (SMS) Communications

If you select "Text" as a preferred contact method or provide a phone number, you consent to receiving text messages from Joseph & Mary NCPA Insurance Services related to your coverage review request. Message and data rates may apply. You may opt out at any time by replying STOP to any text message we send.

6. Data Security

We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. If you would like your information removed from our records, please contact us directly.

8. Your Rights and Choices

Depending on your location, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time

To exercise any of these rights, please contact us using the information below. We will respond to your request within a reasonable timeframe.

9. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected about you, the right to delete your personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a privacy request, contact us at the information below.

10. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has submitted information through our website, please contact us so we can remove it promptly.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any external sites you visit.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

13. Disclaimer

Submitting information through this website does not bind coverage, guarantee eligibility, or constitute an insurance application. Coverage options, savings, and eligibility vary by carrier, location, underwriting criteria, and individual circumstances. A licensed advisor will follow up to help you explore your options.