# Privacy Policy
**Effective Date:** May 28, 2026
**Last Updated:** May 28, 2026
Covered by Joel (“we,” “us,” or “our”), operated by JNC Investment Group LLC, respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what we collect, how we use it, and the choices you have. By using coveredbyjoel.com (the “Site”) or submitting any form on this Site, you agree to the practices described below.
## 1. Who We Are
Covered by Joel is a licensed insurance brokerage operated by Joel N. Charles, an independent insurance agent (NPN 17113872), licensed in Florida, Tennessee, Arkansas, South Carolina, Indiana, Pennsylvania, Georgia, Texas, Massachusetts, and California. We help consumers compare and obtain life insurance, final expense, Medicare, and related coverage products through partnerships with multiple A-rated insurance carriers.
**Mailing address:** JNC Investment Group LLC, Orlando, FL
**Phone:** (407) 796-8333
**Email:** joel@coveredbyjoel.com
## 2. Information We Collect
We collect information you voluntarily provide when you fill out a form, request a quote, download a guide, schedule a call, or otherwise communicate with us. This may include:
– Name, date of birth, age
– Phone number and email address
– ZIP code and state of residence
– Health-related information you choose to share (tobacco use, medical conditions) for quote eligibility
– Beneficiary name and relationship
– Coverage amount and product preferences
– Any other information you choose to share in communications with us
We also automatically collect limited technical information when you visit the Site, including IP address, browser type, device information, pages visited, and referral source, through cookies and similar technologies. This helps us understand how visitors use the Site and improve their experience.
## 3. How We Use Your Information
We use the information you provide to:
– Respond to your quote request or inquiry
– Match you with appropriate insurance products from our partner carriers
– Provide policy illustrations, applications, and underwriting support
– Send you the information, guides, or quotes you requested
– Follow up by phone, email, or text message regarding your inquiry
– Comply with insurance regulatory requirements, including record-keeping under state and federal law
– Improve our Site, services, and marketing
– Send occasional updates, educational content, or relevant offers (you can unsubscribe at any time)
## 4. Consent to Contact (TCPA Disclosure)
By submitting your phone number through any form on this Site, you expressly consent to receive **phone calls and text messages** from Covered by Joel and Joel N. Charles regarding your insurance inquiry, including calls and texts made using an automated telephone dialing system or prerecorded/artificial voice. **Consent is not a condition of purchase.**
– Standard message and data rates may apply.
– Message frequency varies.
– You may opt out of SMS messages at any time by replying **STOP**. Reply **HELP** for help.
– You may revoke phone consent at any time by emailing joel@coveredbyjoel.com or asking to be removed during any call.
This consent applies even if your number is registered on a federal, state, or corporate Do-Not-Call list.
## 5. How We Share Your Information
We do **not** sell your personal information. We share information only in the following limited circumstances:
– **Insurance carriers and underwriters** — to process applications, generate quotes, and issue policies you request.
– **Service providers** — such as our CRM, email platform, phone service, and form-hosting providers, who help us operate the business under confidentiality obligations.
– **Legal and regulatory requirements** — when required by law, subpoena, court order, or to cooperate with insurance regulators.
– **Business transfers** — in the unlikely event of a sale, merger, or transfer of our business, your information may transfer with it under the same privacy protections.
We never share your information with unrelated third parties for their own marketing purposes.
## 6. Cookies and Tracking
This Site uses cookies and similar technologies for basic analytics and to remember your preferences. We may also use tracking pixels from Meta (Facebook/Instagram), Google, and similar platforms to measure ad performance. You can disable cookies in your browser settings; some Site features may not function fully if you do.
## 7. Data Security
We use reasonable administrative, technical, and physical safeguards to protect the information you share with us. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security, but we treat the protection of your information as a serious responsibility.
## 8. Data Retention
We retain your information for as long as needed to provide the services you requested, comply with our legal and regulatory obligations (including insurance record-keeping requirements, typically 5-7 years), resolve disputes, and enforce our agreements. You may request deletion at any time, subject to those obligations.
## 9. Your Rights and Choices
You have the right to:
– **Access** the information we hold about you
– **Correct** inaccurate information
– **Delete** your information, subject to our legal retention obligations
– **Opt out** of marketing emails (use the unsubscribe link in any email) and SMS messages (reply STOP)
– **Withdraw consent** to phone contact (email us or ask during a call)
To exercise any of these rights, email joel@coveredbyjoel.com.
**California, Colorado, Connecticut, Virginia, and other state residents:** You may have additional rights under your state’s privacy law (CCPA, CPA, CTDPA, VCDPA, etc.), including the right to know, delete, correct, and opt out of certain processing. Contact us using the email above to exercise these rights.
## 10. Children’s Privacy
This Site is intended for adults 18 and older. We do not knowingly collect information from anyone under 18. If you believe a minor has provided information to us, please contact us and we will delete it.
## 11. Third-Party Links
The Site may contain links to third-party sites (insurance carriers, partner platforms, educational resources). We are not responsible for the privacy practices of those sites. Please review their privacy policies separately.
## 12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The “Last Updated” date at the top reflects the most recent revision. Material changes will be posted prominently on the Site.
## 13. Contact Us
If you have questions about this Privacy Policy or how we handle your information, contact us:
**Covered by Joel**
JNC Investment Group LLC
Email: joel@coveredbyjoel.com
Phone: (407) 796-8333
Orlando, FL
Joel N. Charles, Licensed Insurance Agent — NPN 17113872