Privacy Policy
Effective Date: September 7, 2026
Your privacy is important to me. This Privacy Policy explains how information may be collected, used, and protected when you visit elementinsuranceservices.com or contact me through this website.
Element Insurance Services is used as the name of this website and associated email address for online identification and communication. Insurance products and services are offered by Crystal Houston, an independently licensed insurance agent, in accordance with applicable state licensing requirements.
Information I Collect
When you voluntarily contact me through this website, I may receive information such as:
Your name
Phone number
Email address
Information you choose to include in a message or inquiry
Information necessary to respond to your request for information about life insurance
Please do not submit Social Security numbers, driver's license numbers, financial account information, detailed medical information, or other highly sensitive personal information through a general website contact form.
If you decide to apply for insurance, additional personal and health information may be collected separately through the appropriate insurance application and underwriting process. Information collected as part of an insurance application may be subject to the privacy notices and policies of the applicable insurance carrier.
How I Use Your Information
Information you voluntarily provide through this website may be used to:
Respond to your questions or requests
Contact you regarding your life insurance inquiry
Discuss available insurance coverage options
Determine what information may be needed to begin an insurance application
Provide requested services
Maintain appropriate records of communications
Comply with applicable legal and regulatory requirements
Your information will not be used for purposes unrelated to your inquiry except as permitted or required by law.
Sharing of Information
As an independent insurance agent, I may need to share information you provide when necessary to assist with an insurance inquiry or application.
Depending on the circumstances, information may be shared with:
Insurance carriers or their authorized representatives
Insurance marketing organizations or other parties involved in supporting an insurance transaction
Service providers that assist with website operation, communications, scheduling, or other business functions
Government or regulatory authorities when required or permitted by law
I do not sell personal information submitted through this website to third parties for their own unrelated marketing purposes.
Once you choose to apply for insurance, additional privacy notices from the applicable insurance carrier may apply to information collected as part of the application and underwriting process.
Website Communications
If you voluntarily submit your contact information through this website, I may use the information you provide to contact you regarding your inquiry.
Depending on your preferences and applicable law, communications may occur by telephone, email, text message, or other reasonable means.
Requesting information does not obligate you to purchase insurance.
Cookies and Website Technology
This website does use cookies or similar technologies that are necessary for website functionality, security, analytics, or improving the visitor experience.
Third-party services used to operate or analyze the website may collect certain technical information, such as browser type, device information, pages visited, or general website usage information.
You can generally adjust cookie or tracking settings through your web browser. Disabling certain technologies may affect some website functionality.
Third-Party Websites
This website may contain links to websites or online services operated by third parties, including insurance carriers or other service providers.
I do not control the privacy practices of third-party websites. Please review the privacy policy of any third-party website you visit.
Information Security
Reasonable safeguards are used to help protect information maintained in connection with this website and business activities.
However, no website, electronic transmission, or method of storing information can be guaranteed to be completely secure. For this reason, please avoid submitting highly sensitive personal information through a general website contact form.
Children's Privacy
This website is intended for adults seeking information about life insurance and is not directed toward children under the age of 13.
I do not knowingly collect personal information from children under 13 through this website.
Your Choices
You may choose not to provide personal information through this website. However, doing so may prevent me from responding to your inquiry or providing requested information.
You may also request that I stop contacting you regarding a prior inquiry, subject to communications or records that I may be required to maintain by law or regulation.
Changes to This Privacy Policy
This Privacy Policy may be updated periodically to reflect changes in the website, business practices, technology, or applicable laws and regulations.
Any updated policy will be posted on this page with a revised effective date.
Contact
If you have questions about this Privacy Policy or how information submitted through this website is handled, you may contact me by clicking on the contact form link here.
Crystal Houston
Independent Licensed Insurance Agent
Missouri
NPN: 22151278
Insurance Disclosure
Element Insurance Services is the name used for this website and associated email communication. Insurance products and services are offered by Crystal Houston in her capacity as an independently licensed insurance agent. Element Insurance Services is not an insurance company. Coverage is subject to the terms, conditions, and underwriting requirements of the applicable insurance carrier and policy.