# Privacy Policy
**Studemeyer Risk Advisory & Planning**
Last updated: June 22, 2026
Studemeyer Risk Advisory & Planning (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains what information we collect through studemeyeradvisory.com (the “Site”), how we use and share it, and the choices you have. By using the Site or submitting a form, you agree to this Policy.
## 1. Information We Collect
**Information you provide.** When you request a quote or contact us, we collect the information you submit, which may include your name, email address, phone number, date of birth, gender, tobacco use, desired coverage amount, term length, and any other details you share. This information may include health-related details necessary to prepare an insurance quote.
**Information collected automatically.** When you visit the Site, we and our service providers may automatically collect technical data such as your IP address, browser type, device information, pages viewed, and how you arrived at the Site, using cookies and similar technologies (see Section 6).
## 2. How We Use Your Information
We use your information to:
– Prepare and deliver the insurance quote you requested;
– Shop your profile among multiple insurance carriers to find suitable coverage;
– Contact you by phone, text message, and email regarding your request, your quote, and related insurance products and services;
– Respond to your questions and provide customer service;
– Operate, improve, and secure the Site;
– Comply with legal and regulatory obligations.
## 3. Text Messaging (SMS)
If you provide your phone number and consent, we may send you text messages related to your inquiry and our services. Message frequency varies. Message and data rates may apply. **Consent to receive texts is not a condition of purchasing any product or service.** You can opt out at any time by replying **STOP** to any text message. Reply **HELP** for help. Carriers are not liable for delayed or undelivered messages.
## 4. Email Communications
If you contact us or request a quote, we may send you related emails. You can opt out of non-essential emails at any time by replying “unsubscribe” or using the unsubscribe link, and we will promptly remove you.
## 5. How We Share Your Information
We do **not** sell your personal information. We may share it with:
– **Insurance carriers and their representatives**, in order to obtain quotes and coverage on your behalf;
– **Service providers** who support our business (such as form, hosting, email, CRM, and analytics providers), under obligations to protect your information;
– **Advertising and analytics partners** (such as Meta/Facebook and Google) through cookies and tracking technologies, to measure and improve our marketing (see Section 6);
– **Legal and regulatory authorities**, where required by law, regulation, legal process, or to protect rights, safety, and property.
## 6. Cookies and Tracking Technologies
We use cookies and similar technologies, including the **Meta (Facebook) Pixel** and **Google Ads/Google Analytics**, to understand Site usage, measure advertising performance, and improve our marketing. These partners may collect information about your activity on the Site and across other sites. You can control cookies through your browser settings, and you can learn about opting out of interest-based advertising at the Digital Advertising Alliance (optout.aboutads.info) and Network Advertising Initiative (optout.networkadvertising.org).
## 7. Your Choices and Rights
You may:
– Opt out of text messages (reply STOP) and emails (reply unsubscribe) at any time;
– Request access to, correction of, or deletion of the personal information we hold about you;
– Ask us not to share your information for targeted advertising.
Depending on your state of residence (including California and other states with privacy laws), you may have additional rights regarding your personal information, including the right to know, delete, and opt out of certain processing. We do not sell personal information. To exercise any right, contact us using the details below. We will not discriminate against you for exercising your rights.
## 8. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
## 9. Children’s Privacy
The Site is intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, please contact us and we will delete it.
## 10. Third-Party Links
The Site may link to third-party websites (such as insurance carriers). We are not responsible for the privacy practices of those sites; please review their policies.
## 11. Changes to This Policy
We may update this Policy from time to time. The “Last updated” date above reflects the latest version. Material changes will be posted on this page.
## 12. Contact Us
**Studemeyer Risk Advisory & Planning**
Collin Studemeyer, CLTC
2623 Colonel Harrison Dr, Johns Island, SC 29455
Phone: (803) 445-5443
Email: collin@studemeyeradvisory.com
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