Privacy Policy
Last Updated: 09/12/2026
1. Who We Are
Fit Financial (“Fit Financial,” “we,” “us,” or “our”) is a trade name used by a sole proprietor based in Jefferson City, Missouri, providing life insurance products and related services.
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit www.fit-financial.com, complete our forms, schedule a consultation, contact us, or use our services.
This Privacy Policy describes our information practices. It does not, by itself, constitute your consent to receive text messages or marketing calls.
2. Information We Collect
Information you provide
Depending on how you interact with us, we may collect:
Your name, email address, and telephone number.
Your mailing address, city, state, and ZIP code.
Your date of birth or age range.
Your life insurance interests, coverage needs, and information relevant to your inquiry.
Appointment preferences and scheduling information.
Information you provide in forms, emails, calls, or text messages.
Your communication preferences, consent records, and opt-out requests.
If you request assistance with an insurance application or other service, additional information may be necessary. Sensitive information should be provided only through an appropriate secure process.
Do not submit Social Security numbers, full financial account numbers, passwords, or detailed medical information through our general website forms, ordinary email, or text messages.
Information collected automatically
When you visit our website, we and our service providers may collect technical and usage information, such as your IP address, browser type, device information, referring pages, pages visited, and interactions with our website.
This information may be collected through cookies and similar technologies, as described below.
Information from other sources
We may receive information from referral sources or other parties when you authorize them to provide it or as otherwise permitted by law.
Receiving your telephone number from another source does not, by itself, establish consent to receive text messages from Fit Financial.
3. How We Use Your Information
We use personal information as appropriate to:
Respond to inquiries and provide requested life insurance information.
Schedule consultations and send appointment confirmations, reminders, and scheduling updates.
Assist with services or applications you request.
Communicate with you about your questions and service requests.
Maintain records of consent and communication preferences.
Operate, maintain, and improve our website and services.
Protect against fraud, unauthorized activity, and security threats.
Comply with applicable legal, regulatory, and recordkeeping requirements.
If we send marketing communications through channels other than SMS, we obtain consent where required and provide applicable opt-out options.
4. Text Messaging Privacy and Consent
How you consent
Fit Financial sends SMS/MMS messages to individuals who affirmatively consent to receive them.
When consent is collected through our website form, you provide it by voluntarily selecting a separate, optional SMS consent checkbox that is not preselected.
Providing your telephone number, submitting a form, or scheduling an appointment does not by itself constitute consent to receive text messages.
SMS consent is not a condition of purchasing any product or service. You may submit an inquiry or schedule a consultation without agreeing to receive texts.
Types of messages
If you opt in, Fit Financial may send informational messages concerning:
Requested life insurance consultations.
Appointment confirmations and reminders.
Scheduling changes and rescheduling assistance.
Responses to your inquiries.
Updates about services you have requested.
This SMS program does not send promotional offers or automated marketing messages.
Message frequency and charges
Message frequency varies based on your appointments, requests, and interactions with us.
Message and data rates may apply according to your mobile carrier’s plan.
Opting out
You may withdraw your SMS consent at any time by replying STOP to a message from us.
After you opt out, we may send one confirmation of your opt-out request. No further messages will be sent through this SMS program unless you provide new consent.
You may also contact us using the information below to request removal from our SMS program.
Getting help
Reply HELP for assistance, or contact:
Email: [email protected]
Phone: 314-399-9086
Mobile carriers are not liable for delayed or undelivered messages.
Mobile information and SMS consent protection
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
We may share information with service providers that help us operate our text messaging program, such as messaging platforms, telecommunications providers, and customer-support providers, only as necessary to provide those services on our behalf.
All other information-sharing categories described in this policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except providers necessary to operate and deliver our text messaging services, or as required by law.
We do not sell, rent, or transfer SMS consent to other businesses or permit them to use it to send their own messages.
5. Calls and Email Communications
We may respond to your inquiries by telephone or email, as appropriate to your request and permitted by law.
Consent to receive text messages does not automatically constitute consent to receive prerecorded or artificial-voice marketing calls. Where separate consent is required for a communication method, we obtain that consent separately.
If you subscribe to marketing emails, you may unsubscribe using the link in those emails or by contacting [email protected].
Unsubscribing from marketing emails does not necessarily stop nonmarketing emails needed to respond to your requests or provide services.
6. How We Share Personal Information
Subject to the mobile information and SMS consent restrictions in Section 4, we may disclose personal information in the following circumstances:
Service providers
We use providers that help operate our business, including website hosting, forms, scheduling, customer relationship management, email, telephone, and text messaging services. These may include HighLevel/LeadConnector.
These providers receive information as necessary to perform services on our behalf, not for their own independent marketing.
Insurance services you request
If you ask us to assist with obtaining coverage or submitting an application, we may provide the information necessary to process that request to the relevant insurance carrier or other authorized parties involved in the requested service.
We do not transfer your Fit Financial SMS consent to those parties or authorize them to rely on it for their own text messaging programs.
Professional advisers
We may disclose information to attorneys, accountants, auditors, and other professional advisers as necessary for their services, subject to applicable confidentiality obligations.
Legal obligations and protection
We may disclose information when required by law, regulation, subpoena, or other valid legal process, or as permitted by law to address fraud, security concerns, or threats to the rights and safety of others.
Business changes
If our business is involved in a sale, merger, or similar transaction, personal information may be disclosed as permitted by law and subject to appropriate protections. This provision does not authorize transferring SMS opt-in data or consent to another business for its own messaging or marketing.
We do not sell personal information for money. Our mobile information and SMS consent protections apply regardless of the sharing categories above.
7. Insurance and Financial Information
Information collected in connection with insurance applications or policies may be subject to additional federal or state insurance and financial privacy requirements.
Where required, a separate financial or insurance privacy notice will be provided by Fit Financial or the applicable insurance carrier. That notice may govern information collected for the relevant insurance product or service.
An insurance carrier’s handling of information is also governed by its own privacy notices. You may contact us with questions about which notices apply to your requested services.
8. Cookies and Similar Technologies
Our website and its service providers may use cookies and similar technologies to operate website features, remember preferences, understand website usage, and improve performance.
Depending on the tools enabled on our website, these technologies may also support advertising measurement.
You can control or delete cookies through your browser settings. Disabling cookies may affect the functionality of certain website features.
Where applicable law requires consent or an opt-out mechanism for particular tracking technologies, we will provide the required choices. We honor legally recognized browser-based privacy signals where required by applicable law.
We do not provide SMS opt-in records or text-message consent to advertising platforms.
9. Data Retention
We retain personal information for as long as reasonably necessary to provide requested services, fulfill the purposes described in this policy, and comply with legal, regulatory, and recordkeeping obligations.
We may retain consent and opt-out records as needed to demonstrate compliance and honor your communication preferences.
When information is no longer needed, we take reasonable steps to delete it, securely dispose of it, or de-identify it.
10. Information Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information.
However, no website, electronic transmission, or storage system is completely secure. We cannot guarantee absolute security.
Please do not send sensitive financial, identifying, or medical information through unsecured communications.
11. Your Privacy Choices and Rights
You may contact us to:
Request access to or correction of your personal information.
Request deletion of information, subject to applicable retention obligations.
Update your communication preferences.
Withdraw SMS consent or unsubscribe from marketing emails.
Ask questions about our information practices.
Depending on where you live and which laws apply to our business and the information involved, you may have additional rights concerning access, deletion, correction, portability, targeted advertising, or certain disclosures of personal information.
To submit a request, contact [email protected] with the subject line “Privacy Request”, or call 314-399-9086.
We may need to verify your identity before fulfilling a request. We will respond within the time required by applicable law. Certain information may be exempt from a request or must be retained for legal or regulatory reasons.
Where applicable law provides a right to appeal a denied request, you may request an appeal by replying to our response.
12. Children’s Privacy
Our website and consultation forms are intended for adults and are not directed to children.
If you believe a child has submitted personal information directly through our website without appropriate authorization, contact us so we can investigate and take appropriate action.
Information an adult provides about a dependent in connection with a legitimate insurance inquiry or application is handled according to applicable privacy and insurance requirements.
13. Third-Party Websites
Our website may contain links to third-party websites or services, including insurance carrier websites.
Their privacy practices are governed by their own policies. We encourage you to review those policies before providing personal information.
14. United States Services
Our services are intended for individuals in the United States. Information may be processed and stored in the United States and other locations where our service providers operate, subject to applicable legal requirements.
15. Changes to This Privacy Policy
We may update this Privacy Policy periodically. The updated version will be posted on this page with a revised “Last Updated” date.
If an update requires additional notice or consent under applicable law, we will provide that notice or obtain that consent. Updating this policy does not, by itself, establish or expand your SMS consent.
16. Contact Us
Fit Financial
Jefferson City, Missouri
Email: [email protected]
Phone: 314-399-9086
Website: https://www.fit-financial.com