Terms of Service
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This website is operated by Alfreda Davis, a licensed insurance agent based in Houston, Texas ("we," "us," or "our"). By accessing or using this website and our services, you agree to these Terms of Service.
Services
We provide insurance information and assistance, including help comparing and enrolling in Medicare, health, life, and supplemental insurance products. Information on this site is general in nature, is not an offer of coverage, and does not constitute legal, tax, or financial advice. Plan availability, benefits, and eligibility vary by product, carrier, and location.
Eligibility
You must be at least 18 years old and able to enter into a binding agreement to use our services. You agree to provide accurate, current information when you contact us.
No guarantee of outcome
We do our best to present accurate, current information, but we make no warranties regarding plan availability, pricing, eligibility, or suitability. Final coverage decisions are made by the applicable insurance carrier in accordance with its underwriting rules.
Acceptable use
You agree not to misuse this website, attempt to disrupt its operation, or use it for any unlawful purpose. We may suspend access for conduct that violates these Terms or applicable law.
Limitation of liability
To the fullest extent permitted by law, Alfreda Davis is not liable for any indirect, incidental, or consequential damages arising from your use of this website or our services.
Changes
We may update these Terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.
Contact
Questions about these Terms? Contact us at (713) 471-3319 or [email protected].
SMS Messaging Terms & Conditions
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By providing your mobile phone number and agreeing to receive text messages — whether through a phone or in-person conversation, our online chat, or another opt-in method — you consent to receive SMS text messages from Alfreda Davis. The terms below describe our messaging program.
The short version: Message & data rates may apply. Message frequency varies. Reply STOP to cancel and HELP for help. Consent is not a condition of any purchase.
Program description
When you opt in, Alfreda Davis may send you text messages including appointment reminders and scheduling, policy and enrollment updates, responses to your questions, and information you request about Medicare, health, life, and supplemental insurance products.
How you opt in (consent)
We obtain your express consent before sending you text messages. Consent is collected when you knowingly provide your mobile number and agree to be contacted by text — for example, during a conversation with us or through our website chat. Your consent to receive text messages is not required as a condition of purchasing any product or service.
Message frequency
Message frequency varies based on your activity and requests.
Costs
Message and data rates may apply. These charges are billed by and payable to your mobile service provider. Alfreda Davis does not charge for the messages themselves.
Opt out
You can cancel the SMS service at any time by replying STOP to any message. After you send STOP, we will send a single confirmation message and will not send further texts unless you opt in again. You may also contact us directly to opt out.
Help
For help, reply HELP to any message, or contact us at (713) 471-3319 or [email protected].
Carriers & delivery
Wireless carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your wireless service provider and is not guaranteed.
Privacy
Your information is handled in accordance with our Privacy Policy. We do not sell or share your mobile information or SMS consent with third parties or affiliates for their marketing or promotional purposes.
Privacy Policy
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Alfreda Davis ("we," "us," or "our") respects your privacy. This policy explains what information we collect, how we use it, and the choices you have.
Information we collect
We may collect information you provide directly, such as your name, phone number, email address, date of birth, and details relevant to insurance products you ask about. We may also collect basic technical information (such as device and browser data) when you visit this website.
How we use your information
- To respond to your inquiries and provide the services you request;
- To compare insurance options and assist with enrollment;
- To send appointment reminders, updates, and messages you have consented to receive;
- To comply with legal and regulatory obligations.
Mobile information & SMS consent
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties for marketing purposes. This information is used solely to deliver the messages and services you have requested.
Where we use service providers to help deliver text messages (for example, messaging platform providers, aggregators, and wireless carriers), information is shared only as necessary to operate the messaging service, and those providers are not permitted to use your information for their own marketing.
How we share information
We may share your information with insurance carriers and other parties only as needed to obtain quotes, submit applications, or service the products you request, or as required by law. We do not sell your personal information.
Data retention
We keep your information only as long as necessary to provide our services and meet legal, regulatory, and recordkeeping requirements.
Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
Your choices
You may opt out of text messages at any time by replying STOP. You may request that we update or delete your information by contacting us using the details below.
Children's privacy
This website and our services are intended for adults. We do not knowingly collect information from anyone under 18.
Changes to this policy
We may update this Privacy Policy from time to time. The "last updated" date above reflects the most recent revision.
Contact us
If you have questions about this Privacy Policy or your information, contact Alfreda Davis at (713) 471-3319 or [email protected].