Last Updated: February 24, 2026
Kolby Carrouth ("we," "us," or "our") is a sole proprietor independent insurance agency in Spartanburg, South Carolina, assisting individuals and businesses with selecting, managing, and reviewing insurance policies, including Llife, Medicare (Supplement, Advantage, Part D), ACA Marketplace/qualified health plans, and ancillary products. We provide personalized consultations, quotes, policy updates, and related services, including appointment confirmations and reminders via SMS/text messaging through www.mylocalins.com.
We are committed to protecting your privacy in compliance with applicable laws, including the South Carolina Insurance Data Security Act, TCPA, and federal regulations from CMS for Medicare and ACA programs. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.
1. Information We Collect We may collect:
Personal information such as your name, phone number, email address, insurance details, and other information you provide (e.g., via website forms, phone calls, in-person interactions, email, or text).
Phone numbers specifically for sending appointment confirmations and reminders related to your insurance services.
We collect this through various methods: website opt-in forms (providing phone number and agreeing to receive texts), text/keyword replies, verbal consent during phone calls, in-person discussions, or email communications.
2. How We Use Your Information We use your information to:
Provide insurance agency services, including scheduling appointments and sending transactional SMS for appointment confirmations and reminders (e.g., "Reminder: Your insurance consultation is on [date] at [time]").
Respond to inquiries, manage appointments, process quotes/policies, and communicate about your insurance needs.
Ensure security and comply with legal obligations.
We do not use your information for promotional or marketing texts unless you separately consent. All SMS are strictly transactional.
3. SMS/Text Messaging Program If you opt in (via forms, text, phone verbal, in-person, or email), you may receive appointment confirmations and reminders. Frequency varies based on appointments (typically low volume). Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
Opt-Out: Reply STOP to any message to unsubscribe (confirmation sent). Reply HELP for info/assistance.
We document consents (e.g., via forms, call logs, or records) as required for Medicare/ACA compliance.
4. Sharing of Information No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. We may share with service providers (e.g., SMS platforms) only to deliver services, or as required by law. We do not sell personal information.
5. Data Security We maintain a comprehensive information security program commensurate with our business size, including risk assessments, administrative/technical/physical safeguards, and incident response, in compliance with the South Carolina Insurance Data Security Act and other applicable laws. If protected health information (PHI) is involved, we follow HIPAA standards where required.
6. Your Rights Request access, correction, or deletion of your data; opt out of SMS as above. For Medicare/ACA-related matters, consents are explicit and documented per CMS guidelines.
7. Important Disclaimers
We are an independent agency, not affiliated with or endorsed by the federal government, Medicare, Medicaid, or any government program. Medicare Supplement/Advantage/Part D plans have specific rules; contact us or 1-800-MEDICARE for details.
ACA Marketplace assistance requires documented consent before enrollment help.
8. Contact Us Email: [email protected] Phone: 864-909-2586
9. Changes to This Policy / 10. Governing Law Updates posted here. Governed by South Carolina laws.
By using our services, you agree to this policy.