Privacy Policy
Jay Way Estates LLC ("we," "us," "our") is an independent insurance practice operated by Jamaica Ervin, a sole proprietor based in Richfield, Minnesota. This Privacy Policy explains how we collect, use, and protect the information you provide to us.
What we collect
- Contact information — your name, email address, phone number, and mailing address.
- Insurance information — details you share so we can prepare quotes and recommend coverage (e.g., Medicare eligibility, household, or health information you choose to provide).
- Website information — basic technical data such as IP address and browser type, and information you submit when you contact us.
How we use it
- To respond to your requests and prepare insurance quotes
- To service your policies and communicate about coverage, appointments, and renewals
- To send you text or email messages you have consented to receive
- To comply with applicable insurance and legal obligations
We do not sell your information. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-message originator opt-in data and consent are never shared with any third parties, except with service providers (such as our messaging and CRM platforms) strictly as needed to deliver the messages you requested.
How we share information
We share your information only as needed to serve you — for example, with insurance carriers to obtain quotes and enroll you in coverage, and with the technology providers that operate our website, CRM, and messaging tools on our behalf. We may also disclose information where required by law.
Cookies and tracking technologies
Our website uses cookies and similar tracking technologies to operate the site and understand how it is used.
- Essential cookies: required for the website and its forms to function. These cannot be switched off.
- Analytics cookies: help us understand which pages are visited and how visitors arrive, so we can improve the site. This data is aggregated and does not identify you personally.
- Form and session data: basic technical information such as your IP address, browser type, device type, referring page, and the date and time of your visit.
We do not use cookies to build advertising profiles, and we do not sell any information collected through cookies. Most browsers let you refuse or delete cookies through their settings. Blocking essential cookies may prevent our request forms from working. Mobile phone numbers and SMS consent are never collected through cookies or tracking technologies.
How we protect your information
We take reasonable and appropriate administrative, technical, and physical measures to protect the personal information you give us against loss, misuse, and unauthorized access, disclosure, alteration, or destruction.
- Our website is served exclusively over an encrypted HTTPS/TLS connection, so information submitted through our forms is encrypted in transit.
- Personal information is stored in access-controlled systems operated by our CRM and messaging providers, protected by authentication and role-based permissions.
- Access is limited to the licensed agent and authorized staff who need it to serve you.
- We retain personal information only as long as needed to serve you and to meet insurance record keeping and legal obligations, after which it is deleted or de-identified.
- Our service providers are contractually required to safeguard the information we share with them.
- If a breach affects your personal information, we will notify you and any required authorities as the law requires.
SMS / Text messaging
Jay Way Estates LLC sends SMS messages only to individuals who have opted in through our website chat widget or by texting us directly.
- What we send: quote follow-ups, appointment confirmations and reminders, policy and renewal updates, and responses to your inquiries.
- Frequency: message frequency varies based on your interaction with us.
- Opt-out: reply STOP at any time to unsubscribe. We honor opt-out requests immediately.
- Help: reply HELP for assistance, or email [email protected].
- Rates: standard message and data rates may apply, billed by your mobile carrier.
- Consent: consent to receive text messages is not a condition of purchasing any product or service.
Your choices
You may request to access, correct, or delete the personal information we hold about you by emailing [email protected]. You may opt out of texts by replying STOP and out of emails using the unsubscribe link.
Contact
Privacy questions: [email protected]
Terms of Service
These Terms of Service govern your use of the Jay Way Estates LLC website and your communications with us.
Who we are
Jay Way Estates LLC is an independent insurance practice operated by Jamaica Ervin, a sole proprietor in Richfield, Minnesota. We help individuals and families compare and obtain Medicare, ACA, and health insurance coverage.
Age requirement
You must be at least 18 years of age to use this website, to submit a request form, and to consent to receive text messages from us. Our services are intended for adults who are approaching or already eligible for Medicare. We do not knowingly collect personal information or SMS consent from anyone under 18. If we learn that we have collected information from a person under 18, we will delete it promptly. If you believe a minor has provided us information, contact [email protected].
Use of this website
The information on this website is provided for general informational purposes and does not constitute an insurance policy, a binder, or an offer of coverage. Coverage is subject to carrier underwriting, approval, and the terms of the actual policy issued. You agree to provide accurate information and to use this site lawfully. We are not affiliated with or endorsed by any government agency.
SMS / Text messaging terms
By providing your mobile number and opting in through our website chat widget or by texting us, you agree to receive text messages from Jay Way Estates LLC at the number provided.
- Message types: quote follow-ups, appointment confirmations and reminders, policy and renewal notices, and replies to your questions.
- Frequency: varies based on your interaction with us.
- Rates: standard message and data rates may apply.
- Opt-out: reply STOP to unsubscribe; reply HELP for help.
- Consent: consent is not a condition of purchase, and you may withdraw it at any time by replying STOP.
- Privacy: your use of our SMS service is governed by our Privacy Policy above.
Wireless carrier liability
Wireless carriers are not liable for delayed or undelivered messages. Message delivery depends on your mobile carrier's network and on factors outside our control, and neither Jay Way Estates LLC nor any wireless carrier guarantees that messages will be delivered, delivered on time, or free of error. Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS, and others. Carriers are not responsible for the content of our messages, and carrier participation may change without notice.
No guarantee
We aim to provide accurate, helpful guidance, but we do not guarantee any specific rate, coverage, or outcome. Final coverage, pricing, and terms are determined by the issuing insurance carrier.
Governing law
These terms are governed by the laws of the State of Minnesota. Any disputes are subject to the jurisdiction of the state and federal courts located in Hennepin County, Minnesota.
Contact
Questions about these terms: [email protected]