Effective date: July 12, 2026
1. Scope
This Privacy Policy applies to the website operated for Christopher Williams and CDWJ Holdings LLC, including quote requests, email communications, telephone communications, and text messaging programs associated with this website.
By using this website or submitting information, you acknowledge the practices described in this policy. Your use of the website is also subject to our Terms and SMS Terms.
2. Information we collect
We may collect information that you provide directly, including:
- Name, email address, mobile telephone number, and state.
- Coverage interests, questions, preferred contact details, and information included in a form or message.
- Your communication preferences and records of any SMS consent, opt-out, or help request.
- Correspondence sent by email, telephone, website form, or text message.
We may also collect basic technical information when you use the website, such as IP address, browser type, device information, referring page, pages viewed, and submission timestamps. This information may be generated through server logs, security tools, or similar technologies.
Please do not submit highly sensitive medical records, Social Security numbers, payment card information, or other information that is not requested by the form.
3. How we use information
We may use information to:
- Respond to your inquiry and provide requested coverage information or assistance.
- Contact you by email or telephone regarding your request.
- Send informational, transactional, or marketing text messages only where you have provided the applicable consent or otherwise initiated a permitted messaging interaction.
- Maintain consent and opt-out records, provide customer support, and respond to HELP requests.
- Operate, secure, troubleshoot, and improve the website and communications systems.
- Comply with legal obligations, enforce agreements, and prevent misuse or fraud.
4. SMS privacy and consent data
Mobile information will not be sold or shared with third parties for promotional or marketing purposes.
SMS consent is optional. Checking an SMS consent box is not required to submit a quote request, obtain assistance, or make a purchase. The informational and marketing SMS choices on the website are separate and unchecked by default.
We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing the services of that campaign. We may disclose personal data, including a mobile number or SMS consent status, to service providers that help us deliver and support messages, such as messaging platform providers, telecommunications carriers, hosting providers, and vendors that process communications on our behalf. Those providers may use the information only to perform services for us or as required by law.
All categories of information sharing described in this policy exclude text messaging originator opt-in data and consent from sharing with third parties for their own marketing, promotional, lead-generation, or unrelated purposes. SMS opt-in data and consent will not be transferred to affiliates or unrelated third parties for their marketing or promotional use.
You may opt out of SMS messages at any time by replying STOP. You may request assistance by replying HELP or emailing Chriswilliamshealthhelp@gmail.com. Additional details appear in our SMS Terms.
5. When information may be disclosed
We do not sell personal information. We may disclose information in limited circumstances:
- Service providers: Vendors that host the website, deliver email or text messages, provide telecommunications connectivity, secure systems, maintain records, or perform related operational services.
- Requested services: Parties involved in responding to your coverage inquiry when disclosure is reasonably necessary and permitted, subject to applicable consent and law.
- Legal and safety reasons: Government authorities, courts, or other parties when required by law or reasonably necessary to protect rights, safety, security, and the integrity of services.
- Business changes: A successor or authorized party involved in a merger, acquisition, restructuring, or transfer of business assets, subject to this policy and applicable law.
Regardless of the category above, mobile information and SMS opt-in consent are not shared or transferred to third parties for their own promotional or marketing purposes.
7. Retention and security
We retain information for as long as reasonably necessary to respond to requests, provide services, maintain consent and opt-out records, comply with legal obligations, resolve disputes, and protect our operations. Retention periods may differ based on the type of information and applicable requirements.
We use reasonable administrative, technical, and organizational safeguards designed to protect information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your choices and requests
You may ask to review, correct, or delete personal information, subject to applicable law and legitimate recordkeeping needs. You may also withdraw marketing consent or update contact preferences.
Text messages
Reply STOP to unsubscribe from SMS messages. After an opt-out request is processed, you may receive one final confirmation message. Reply HELP for assistance.
Email and telephone
Use any unsubscribe method included in an email, tell us during a call, or contact us using the information below.
We may need to verify your identity before completing certain privacy requests.
9. Children's privacy
This website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. A parent or guardian who believes a child has provided information may contact us to request deletion.
10. Changes to this policy
We may update this Privacy Policy to reflect changes in practices, technology, services, or legal requirements. The effective date at the top will be revised when changes are posted. Material changes may be communicated through the website or another appropriate method.