Privacy Policy

PRIVACY POLICY

Joshua Davis Insurance

Effective Date: April 1, 2026
Last Updated: April 1, 2026

1. INTRODUCTION

Joshua Davis Insurance (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy and maintaining transparency regarding how your information is collected, used, and shared.

This Privacy Policy applies to all interactions with our Services, including websites, landing pages, advertisements, forms, communications, and third-party integrations.

By using our Services, you consent to the practices described herein.

2. DEFINITIONS (LEGAL CLARITY LAYER)

To eliminate ambiguity:

“Personal Information” = any data that identifies or can reasonably be linked to an individual

“Processing” = collection, use, storage, sharing, or modification of data

“Service Providers” = vendors acting on our behalf (CRM, dialers, hosting, etc.)

“Third Parties” = independent entities (agents, carriers, partners)

“Sell,” “Share,” or “Transfer” = any disclosure of personal information for value, including marketing benefit

3. INFORMATION WE COLLECT

A. Directly Provided Information

Name

Phone number (including wireless numbers)

Email address

Address, ZIP code

Insurance needs and preferences

Any data submitted through forms or communications

B. Automatically Collected Data

IP address

Device/browser fingerprint

Session behavior and interaction data

Referrer and campaign attribution

Geolocation (approximate)

C. Communication & Consent Records (CRITICAL FOR DEFENSE)

We maintain detailed logs including:

Timestamp of submission

IP address at time of consent

Form/page URL where consent occurred

Consent language presented at time of submission

Communication logs (calls, texts, emails)

Opt-in and opt-out history

👉 This data is retained specifically for legal defense, compliance audits, and dispute resolution

4. HOW WE USE YOUR INFORMATION

We use your data to:

Match you with insurance agents and products

Deliver quotes and service-related communications

Send marketing communications (where consent is obtained)

Operate automated outreach systems (calls, SMS, email)

Optimize campaigns and performance

Detect fraud, abuse, or suspicious activity

Maintain suppression lists and compliance records

5. TCPA, FLORIDA MINI-TCPA & COMMUNICATION COMPLIANCE

A. Express Written Consent Requirement

We only initiate marketing communications where prior express written consent is obtained in compliance with:

Telephone Consumer Protection Act (TCPA)

Florida Telephone Solicitation Act (FTSA)

Applicable state telemarketing laws

B. Frequency & Safeguards (FLORIDA RISK MITIGATION)

We implement safeguards including:

Reasonable call/text frequency limits

Time-of-day restrictions

Consent verification prior to outreach

Immediate honoring of opt-outs

C. Opt-Out & Suppression Systems

When you opt out:

Your number/email is added to a permanent suppression list

We retain minimal data necessary to ensure no further contact occurs

Suppression data is never deleted unless legally permitted

6. SHARING, SELLING & DATA DISCLOSURE

A. Core Disclosure

We may disclose your information to:

Licensed insurance agents

Insurance carriers

Marketing and distribution partners

Service providers (CRM, dialers, analytics tools)

B. “Sale” / “Sharing” Disclosure (LEGAL SAFE HARBOR)

Under certain laws, sharing data for marketing or lead distribution may be considered a “sale” or “sharing.”

Accordingly:

We may share personal information for marketing or commercial purposes

This may include lead distribution or advertising optimization

C. No Responsibility for Third Parties

Once data is shared:

Third parties operate independently

We are not responsible for their conduct, compliance, or communications

7. DO NOT SELL OR SHARE (CONSUMER RIGHTS)

You may request to opt out of the sale or sharing of your personal information.

To do so, contact us using the information below.

We will process requests in accordance with applicable laws.

8. DATA RETENTION & LEGAL HOLD

We retain personal information:

As long as necessary to fulfill business purposes

As required for legal, regulatory, and compliance obligations

For defense against legal claims

IMPORTANT:

Even if you request deletion, we may retain:

Consent records

Transaction history

Suppression records

👉 This is done strictly for legal compliance and defense

9. DATA SECURITY

We implement commercially reasonable safeguards including:

Access controls

Encrypted systems (where applicable)

Vendor security vetting

However, no system is completely secure.

10. YOUR PRIVACY RIGHTS (EXPANDED)

You may have the right to:

Access your data

Request correction

Request deletion (subject to exceptions)

Opt out of marketing communications

Opt out of data sale/sharing

We may require identity verification before processing requests.

11. SENSITIVE DATA DISCLAIMER

We do not intentionally collect:

Social Security numbers

Financial account credentials

Health records beyond general insurance inquiries

If submitted voluntarily, you consent to its processing.

12. AUTOMATED DECISION-MAKING & PROFILING

We may use automated systems to:

Match users with agents

Prioritize leads

Optimize communications

These systems do not make legally binding decisions.

13. THIRD-PARTY TECHNOLOGIES

We may use:

Google Ads / Analytics

Meta (Facebook/Instagram) tracking

CRM platforms (e.g., GoHighLevel)

Dialers and SMS providers

These providers may independently collect and process data.

14. CHILDREN’S PRIVACY

We do not knowingly collect data from individuals under 18.

If discovered, such data will be deleted.

15. CHANGES TO THIS POLICY

We may update this Privacy Policy at any time.

Changes are effective immediately upon posting.

16. CONTACT INFORMATION

Joshua Davis Insurance
5618 Passing Pine Lane
Zephyrhills, Florida 33541
Email: [email protected]
Phone: +1 (813) 507-5475