1. Introduction
Carpentier Insurance Solutions ("we," "us," or "our") is a licensed insurance agency located at 7650 Clearbrook Dr., Corpus Christi, TX 78413. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit carpentierinsurancesolutions.com, book an appointment, submit a form, or communicate with us by phone, text message, or email (together, the "Services").
By using our Services, you agree to the practices described in this Privacy Policy. This is a solicitation for insurance.
2. Information We Collect
Information you provide
- Name, email address, phone number, mailing address, and ZIP code
- Date of birth or age range, and Medicare eligibility information you choose to share
- Appointment details and any information you provide during a consultation, such as current coverage, doctors, and prescriptions
- Your communication preferences and consent records, including SMS opt-in status
Information collected automatically
- IP address, browser type, device information, and pages visited
- Date and time of form submissions and consent, used to maintain accurate consent records
- Cookies and similar technologies, as described in Section 7
3. How We Use Your Information
- To schedule, confirm, and remind you of appointments
- To respond to your questions and provide information about Medicare plans we offer in your area
- To send transactional communications about your inquiry, enrollment status, and service follow-ups
- To send marketing communications, only where you have given express consent
- To maintain consent and opt-out records and comply with legal and regulatory obligations
- To operate, secure, and improve our website and Services
4. Text / SMS Messaging Policy (A2P / TCPA / CTIA)
4.1 Program Description. If you opt in, you may receive text messages from Carpentier Insurance Solutions, including transactional messages (appointment confirmations, reminders, enrollment status, and service updates) and, only with your separate express consent, promotional messages (Medicare plan information, enrollment period reminders, educational content, and offers).
4.2 Consent. By providing your mobile number and checking the applicable consent box, you provide express written consent to receive text messages, which may be sent using an automated system. Consent is not a condition of purchase, enrollment, or any service, and is collected through clear, unchecked, optional opt-in checkboxes.
4.3 Message Frequency. Message frequency varies depending on your interaction with our Services.
4.4 Fees. Message and data rates may apply.
4.5 Opt-Out. You may opt out at any time by replying STOP to any message. You will receive one confirmation message, and no further messages will be sent unless you opt in again.
4.6 Help. Reply HELP for help, or contact us at [email protected] or (361) 314-1351.
4.7 Carriers. Wireless carriers are not liable for delayed or undelivered messages.
4.8 Mobile Information Sharing. Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will never be shared with third parties.
5. How We Share Information
We do not sell your personal information. We may share information only as follows:
- Service providers: companies that help us operate our Services, such as CRM, calendar, messaging, email, and website hosting providers, solely to deliver those Services to you and subject to confidentiality obligations. SMS opt-in data and consent records are never shared for marketing purposes, as stated in Section 4.8.
- Insurance carriers: when you ask us to help you apply for or enroll in a plan, we share the information needed to process that application with the carrier you select.
- Legal requirements: when required by law, regulation, subpoena, or to protect our rights, your safety, or the safety of others.
6. Phone and Email Communications (TCPA)
If you consent, we may contact you by phone, including calls made with automated technology or prerecorded messages, and by email. You may revoke consent at any time by telling us during a call, replying STOP to a text, using the unsubscribe link in an email, or contacting us directly. We honor requests to be placed on our internal Do Not Call list.
7. Cookies and Tracking
Our website may use cookies, pixels, and similar technologies to remember preferences, understand how visitors use the site, and measure the effectiveness of our advertising. You can control cookies through your browser settings. Disabling cookies may affect some features of the site.
8. Data Security and Retention
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure. We retain information for as long as needed to provide our Services, maintain consent records, and meet legal and regulatory requirements, including record-keeping requirements that apply to licensed insurance agents.
9. Your Choices and Rights
- Request access to, correction of, or deletion of your personal information, subject to legal retention requirements
- Opt out of text messages by replying STOP, and out of emails using the unsubscribe link
- Withdraw marketing consent at any time without affecting transactional communications you have requested
To make a request, contact us using the information in Section 12.
10. Children's Privacy
Our Services are intended for adults 18 and older. We do not knowingly collect information from children under 13. If you believe a child has provided us information, please contact us so we can delete it.
11. Medicare Disclaimer
Carpentier Insurance Solutions is a licensed insurance agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. Not connected or affiliated with any United States Government or State agency. This is a solicitation for insurance. A licensed insurance agent may contact you.
12. Changes and Contact Us
We may update this Privacy Policy from time to time. The "Last Updated" date above shows when it was last revised. For questions about this policy or your information, contact:
Carpentier Insurance Solutions
7650 Clearbrook Dr.
Corpus Christi, TX 78413
Phone: (361) 314-1351
Email: [email protected]
Website: carpentierinsurancesolutions.com