Privacy Policy

1. Introduction

This Privacy Policy explains how Jonathan Holloway, operating through ApexScoop.com (“we,” “us,” or “our”), collects, uses, stores, and protects your personal information when you visit our website, submit our contact form, or participate in our webinars.

By using our website or submitting our form, you agree to the practices described in this Privacy Policy. If you do not agree, please do not submit your information.

2. Information We Collect Online

When you submit our contact form, we collect only the following:

• Full name
• Phone number
• Email address
• State of residence
• Best time to call
• Preferred callback date
• Consent for text messages (if checked)
• Consent for promotional offers (if checked)

We do NOT collect through our website form:

• Health information (diagnoses, medications, prescriptions)
• Financial information (income, debt amounts, coverage premiums)
• Date of birth
• Coverage details or insurance needs

All sensitive information is collected verbally during phone consultations only and is handled through secure, licensed insurance systems.

3. How We Use Your Information

We use the information you provide to:

• Contact you for insurance consultation or webinar access
• Determine insurance licensing availability in your state
• Schedule callbacks at your preferred time
• Send text messages if you provided written consent
• Send promotional offers and newsletters if you provided written consent
• Share your information with a licensed agent in your state if we are not yet licensed there

We do NOT:

• Sell, rent, or resell your personal information to third parties
• Share your data with third parties for unrelated marketing purposes
• Use your information for any purpose other than insurance consultation and communication

4. State Licensing Disclosure

Jonathan Holloway is currently licensed to sell and consult on insurance products in Indiana (License # 3968155).

If you reside in Indiana:

You will be contacted directly by Jonathan Holloway.

If you reside outside Indiana:

Your information may be shared with a properly licensed insurance agent in your state. That agent will contact you directly. You are not required to purchase any product or service. We may also contact you directly once we obtain licensing in your state.

For our current licensing status, contact us at jonathanholloway.ail@gmail.com or 773-492-1722.

5. Third-Party Agent Sharing

If you reside in a state where we are not yet licensed, your name, phone number, email address, and state of residence may be shared with a licensed insurance agent who can serve you in your state. These agents are bound by their own privacy obligations and state insurance regulations. We do not sell your information to these agents. Sharing is done solely for the purpose of connecting you with licensed insurance assistance.

6. Google Forms and Google Sheets

Your information is collected via Google Forms and stored in Google Sheets. Google acts as our data processor and stores your information on secure servers. Google's Privacy Policy and Terms of Service govern their handling of your data. We access and use your information only for the purposes described in this Privacy Policy.

7. Text Message Consent (TCPA)

If you checked the box to receive text messages, you have provided express written consent under the Telephone Consumer Protection Act (TCPA) to receive text messages from Jonathan Holloway and/or affiliated licensed agents at the phone number you provided.

• Messages may include call reminders, consultation updates, webinar invitations, and promotional offers
• Message frequency varies
• Standard message and data rates may apply
• Opt-out at any time by replying STOP to any text message
• Consent to text messages is not required to purchase any product or service
• For help, reply HELP to any text message

8. Email Marketing (CAN-SPAM)

If you checked the box to receive promotional offers, you will receive emails about insurance products, webinars, and special promotions.

• Opt-out at any time by clicking the Unsubscribe link in any email
• We will process your opt-out request within 10 business days
• Transactional emails (appointment reminders, webinar access) may still be sent after opt-out

9. Data Security

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure, including storage in Google Sheets with industry-standard encryption, limiting access to only necessary agents and personnel, and not storing sensitive health or financial information through our website form. However, no method of transmission over the internet is 100% secure.

10. Data Retention

We retain your personal information for 12 months from the date of your last contact with us, unless you request deletion (we will delete within 30 days), applicable law requires longer retention, or you remain an active lead or client.

11. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate personal information
• Delete your personal information
• Opt-out of text messages (reply STOP)
• Opt-out of promotional emails (click Unsubscribe)
• Know whether your information has been shared with third-party agents

To exercise any of these rights, contact us at jonathanholloway.ail@gmail.com or 773-492-1722. We will respond within 30 days.

12. California Residents (CCPA/CPRA)

California residents have additional rights under the CCPA and CPRA:

• Right to know what personal information is collected
• Right to know whether your information is sold (we do NOT sell your data)
• Right to request deletion of your personal information
• Right to non-discrimination for exercising your privacy rights
• Right to correct inaccurate personal information

To exercise California privacy rights: jonathanholloway.ail@gmail.com

13. License Expansion Notice

We are actively obtaining additional state insurance licenses. If we obtain licensing in your state after you submit your information, we may contact you to offer our consultation services. You are not required to respond or purchase anything. You may request to be removed from our contact list at any time by emailing jonathanholloway.ail@gmail.com or replying STOP to any text message.

14. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately at jonathanholloway.ail@gmail.com and we will delete the information promptly.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page. Continued use of our website or form after changes constitutes acceptance of the updated policy.