Privacy Policy
Effective date: October 9, 2026
This Privacy Policy explains how Ruth Anne Clarke ("we," "us," "our"), an individual, independent life insurance producer in Chesapeake City, Maryland, collects, uses, shares, and protects personal information through this website (seniorcitizenplan.com), our landing pages at book.seniorcitizenplan.com, our forms, calls, emails, and text messages.
1. Who we are and how to contact us
Ruth Anne Clarke (operating under her own name; no DBA)
Chesapeake City, Maryland
Phone: (302) 438-0283
Text messages are sent from: (667) 247-9988
Email: [email protected]
2. Information we collect
- Information you give us: name, email address, phone number, mailing address, messages you send, appointment details, and your communication preferences, including whether you opted in to text messages.
- Insurance-related information: if you request a quote or choose to apply, information an insurance company requires, such as date of birth, health and medical history, tobacco use, occupation, beneficiaries, existing coverage, and financial details.
- Automatically collected information: device, browser, IP address, pages viewed, and similar technical data collected by our website platform through cookies and similar technologies.
- Consent records: the date, source, and wording of any text-message consent you give, and any opt-out requests.
3. How we use information
- To respond to your questions and deliver information or materials you request;
- To schedule, confirm, and remind you of consultations;
- To discuss insurance needs and available options, and to help with applications you choose to submit;
- To communicate with you by phone, email, and, only if you opted in, text message;
- To maintain records, prevent fraud, comply with legal, regulatory, and insurance company requirements; and
- To operate and improve our website and services.
4. How we share information
We do not sell your personal information. We share information only as needed to provide the services you request, including with:
- Insurance companies (carriers) and their underwriting, medical-information, and verification vendors when you request a quote or apply for coverage;
- Service providers that operate on our behalf, such as our website, CRM, and messaging platform, email and telephone providers, scheduling and video-meeting tools, and payment processors. These providers may use information only to perform services for us;
- Legal and regulatory authorities when required by law, regulation, or legal process, or to protect our rights.
Insurance applications may involve separate privacy notices and authorizations from the insurance company. Those documents also apply to information you provide in an application.
5. Text messaging (SMS) privacy
Text messaging is optional. We send text messages only to people who have opted in. Our website forms offer two separate, optional choices: (1) marketing text messages and (2) non-marketing text messages about appointments, requested information, and service updates. Submitting a phone number or agreeing to our Terms does not, by itself, sign you up for text messages.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging opt-in data and consent records are not sold, rented, or transferred to any third party for their own marketing. Information sharing with subcontractors and service providers that support our messaging (for example, our messaging platform and telecommunications carriers) is permitted only to deliver messages and provide our services, and they may not use it for their own marketing.
Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out, or HELP for help. You can also contact us at (302) 438-0283 or [email protected]. Carriers are not liable for delayed or undelivered messages.
6. Cookies and analytics
Our website platform uses cookies and similar technologies to operate pages and forms, remember preferences, and measure site usage. If we use advertising or analytics tools (for example, social-media advertising pixels), those tools may collect information about your visit under their own privacy policies. You can control cookies through your browser settings.
7. Data security and retention
We use reasonable administrative, technical, and physical safeguards, including access-controlled software accounts, to protect personal information. No method of transmission or storage is completely secure. We keep information for as long as needed to provide services, maintain business and consent records, and meet legal, regulatory, and insurance company record-keeping requirements, and then delete or de-identify it.
8. Your choices
- Opt out of texts by replying STOP, or contact us by phone or email.
- Unsubscribe from promotional emails using the link in any email.
- Ask to access, correct, or delete your information by contacting us. Some records may need to be kept to meet legal or insurance requirements.
9. Children
Our services are intended for adults. We do not knowingly collect personal information from children under 18.
10. Changes to this policy
We may update this Privacy Policy. Updates will be posted on this page with a new effective date.
11. Questions
For privacy questions or requests, contact Ruth Anne Clarke at (302) 438-0283 or [email protected]. See also our Terms and Conditions.