1. Overview
Stoic Financial (formerly Frontier Financial Agency; "Stoic Financial," "we," "us" or "our") is an independent life insurance agency. This Privacy Policy explains how we collect, use and protect information you provide through our website, quote and appointment requests, agent recruiting applications, and our communications with you by email, phone and text message.
2. Information we collect
- Contact details: your name, email address, mobile phone number and state of residence.
- Insurance inquiry details: the coverage you're interested in, details you share for a quote, coverage estimates or quiz results, and appointment information.
- Agent application details: licensing status, experience, interests and what you're looking for in an agency.
- Consent records: the date and time of your consent, the page you submitted from, your IP address, your browser or device information, and which consent boxes you checked.
- Communications: messages you send us by email, text or phone.
- Website analytics: pages visited, device type and approximate location.
3. How we use information
- To respond to your quote request, appointment or application.
- To contact you about coverage, appointments and opportunities by email and phone, and by text message when you have opted in.
- To send appointment confirmations, reminders, notifications and account updates.
- To meet legal, regulatory and recordkeeping obligations.
- To improve our website, forms and operations.
4. Text messaging program (A2P 10DLC and TCPA)
Program description
Stoic Financial sends text messages to clients, prospects, applicants and prospective agents. Messages fall into two categories: marketing and promotional messages (special offers, discounts and promotions), and informational and transactional messages (appointment confirmations, reminders, notifications and account updates).
How you opt in
You opt in by entering your mobile number and checking an SMS consent box on one of our web forms. Checking a box gives us your express consent to send recurring text messages of that type to the number you provided. Consent is not a condition of any purchase, of employment or of receiving any service.
Message frequency
Message frequency varies based on your interactions with us.
Fees
Message and data rates may apply. Check with your wireless provider for details about your plan.
How to opt out
Reply STOP to any message at any time. You'll receive one confirmation message, and then no further texts. To rejoin, opt in again through one of our forms.
Help
Reply HELP to any message, or email us at gabepickett@frontierfinancialagency.com.
Carriers
Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS and most other U.S. carriers. Carriers are not liable for delayed or undelivered messages.
Mobile information sharing
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors that support our services, such as customer service providers. All other use categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Cookies and tracking
We use cookies and similar technologies to keep the website working and to understand how it's used. You can disable cookies in your browser settings, though some parts of the site may not work as intended.
6. Information sharing
We share information only with vetted service providers that help us operate, such as our CRM, website hosting, email and text messaging providers. They are bound by confidentiality obligations and process information only on our behalf. When you request a quote or apply for coverage, we share the information needed for that purpose with the insurance carriers you choose to apply with. We do not sell your personal information. Text messaging opt-in data and consent are never shared with third parties, except the aggregators and providers that deliver our text messages.
7. Data retention
We keep your information and consent records for as long as needed to respond to your requests, operate our messaging program and meet our legal obligations.
8. Your rights
- You can ask to access, correct or delete your personal information by emailing gabepickett@frontierfinancialagency.com.
- You can stop text messages at any time by replying STOP.
- You can stop marketing emails with the unsubscribe link in any email.
9. Children
Our website and programs are not directed to anyone under 18, and we do not knowingly collect information from minors.
10. Security
We use industry-standard administrative, technical and physical safeguards to protect your information from unauthorized access, alteration, disclosure or destruction.
11. Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top shows the latest version, and we'll note material changes on this page.
12. Contact us
Questions about this policy or our text messaging program can be sent to: