Privacy Policy

Effective Date: December 1, 2025
Last Updated: January 25, 2026

1. Introduction

MXK Digital ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, and disclose your information when you visit our website (www.mxkdigital.com), use our services, or engage with our Agency Compliance System™ tools.

As a company that specializes in compliance-first marketing for the insurance industry, we hold ourselves to the highest standards of data integrity.

This policy is intended to reflect key requirements in applicable U.S. federal and state privacy and marketing laws, including the California Consumer Privacy Act (CCPA/CPRA) and the Telephone Consumer Protection Act (TCPA), where they apply to us.

2. Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked to you ("Personal Information").

A. Information You Provide Directly

We collect data when you fill out our "10 Seat Strategy" application, request the "Agency Compliance Guide," or book a call. This includes:

  • Identifiers: Name, email address, phone number, and physical address.
  • Professional & Business Data: Company name, job role (e.g., Owner, Producer), team size, lines of business (P&C, Life, etc.), state licensures, and revenue/budget estimates.
  • Commercial Information: Your current lead sources, marketing challenges ("pain points"), and budget allocation.
  • Communications: Content of your notes, emails, or SMS messages sent to us.

B. Information Collected Automatically

When you navigate our site, we use tracking technologies to collect:

  • Device Data: IP address, browser type, operating system, and unique device identifiers.
  • Usage Data: Pages viewed, time spent on pages, and the "referring URL" (how you found us).
  • Consent Logs: To comply with TCPA, we utilize "Black Box" recording technology that captures the IP address, timestamp, and specific browser action taken when you submit a consent form.

C. Information from Third Parties

We may receive information about you from third-party sources, such as public databases or social media platforms (e.g., LinkedIn), to verify your business eligibility for our services.

D. Sensitive Data & Inference

In the course of providing marketing services, we may process data that classifies as "Sensitive Data" under applicable state laws (e.g., Indiana, Kentucky, Rhode Island), such as interest in specific health insurance products. We collect this data strictly to match prospective leads with the appropriate insurance agency. By submitting a form requesting a quote or consultation, you explicitly consent to the processing of this sensitive data for that limited purpose.

3. How We Use Your Information

We use your data for the following business purposes:

  • Service Delivery: To audit your agency’s marketing (Agency Compliance Check), process your application for our "10 Seat Roster," and schedule strategy calls.
  • Communication: To send you the guides you requested, confirm appointments, and respond to your inquiries.
  • Marketing & Retargeting: To show you relevant ads on platforms like Meta (Facebook/Instagram) and Google based on your interests.
  • Compliance & Security: To verify valid consent for SMS/calls (TCPA defense), prevent fraud, and ensure our services are used by legitimate US-based insurance agencies.
  • AI Analysis: We may use AI tools to analyze aggregated and de-identified application data to identify industry trends (for example, ‘Top Compliance Fears of 2025’). We do not use your identifiable agency data to train public AI models.

4. SMS Marketing & TCPA Compliance

Strict adherence to the Telephone Consumer Protection Act (TCPA) is central to our operations.

  • Consent: By providing your phone number on our forms and checking the consent box, you explicitly consent to receive marketing text messages (e.g., appointment reminders, Agency Compliance System tips) from MXK Digital at the number provided. Consent is not a condition of purchase.
  • Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP. You will receive one final confirmation message.
  • Data Sharing: We do NOT share your SMS opt-in consent or phone number with third parties or affiliates for marketing purposes. Your phone number is strictly for MXK Digital's communication with you.
  • Message and data rates may apply. Message frequency will vary based on your interaction with our services.

5. How We Share Your Information

We do not sell your Personal Information to data brokers. We disclose data only as follows:

  • Service Providers: We share data with trusted vendors who help us operate (e.g., Zoom for calls, Typeform for surveys, HighLevel for CRM, Twilio for SMS). These vendors are contractually bound to keep your data secure.
  • Ad Platforms (Sharing): We may share hashed identifiers (like email addresses) with platforms like Meta (Facebook) to deliver "Custom Audience" ads. Under California law, this may be considered "sharing" for cross-context behavioral advertising and "targeted advertising" in other states. You have the right to opt out of this (see Section 7 and 8).
  • Legal Requirements: We may disclose information if required by law, subpoena, or to protect the rights and safety of MXK Digital or others.

6. Cookies and Tracking Technologies

We use cookies, pixels (Meta Pixel, Google Tag), and local storage to recognize you and analyze traffic.

  • Essential Cookies: Required for the site to function.
  • Marketing Cookies: Used to track effectiveness of our ads and retarget you after you leave our site. These may include pixels or tags from platforms like Meta (Facebook/Instagram) and Google that help us understand which ads and campaigns perform best and build audiences of people with similar interests. Where required by law, we will only use non-essential cookies and similar technologies with your consent.
  • Your Control: You can set your browser to refuse all cookies, but some site features may not function properly.
  • Do Not Track Signals: Some browsers offer ‘Do Not Track’ or similar settings. At this time, we do not respond to Do Not Track signals. We will, however, honor any browser-based opt-out signals to the extent required by applicable law.

7. Your Privacy Rights (CCPA/CPRA & US Laws)

Depending on your location (especially if you are a California resident), you have specific rights regarding your data:

  • Right to Know: Request details about the categories and specific pieces of personal information we have collected about you.
  • Right to Delete: Request that we delete your personal information (subject to certain legal exceptions).
  • Right to Correct: Request that we correct inaccurate personal information.
  • Right to Opt-Out of ‘Sale/Sharing’: You may ask us not to use your personal information for cross-context behavioral advertising (for example, using your email to build custom audiences on ad platforms). To do this, email us at support@mxkdigital.com with the subject line “Do Not Sell or Share My Personal Information” and we’ll apply it to future activity as required by law.
  • Right to Non-Discrimination: We will not treat you differently for exercising your privacy rights.
  • Global Privacy Control (GPC): We recognize and honor Global Privacy Control (GPC) signals. If your browser transmits a GPC signal, we will automatically treat it as a valid request to opt-out of the sale or sharing of your personal data for that specific browser/device.

We do not use or disclose ‘sensitive personal information’ (as defined under California law) for purposes that would trigger a right to limit its use.

To exercise these rights email us at support@mxkdigital.com with the subject line "Privacy Request" and tell us which right you want to exercise (for example: ‘access’, ‘delete’, or ‘do not sell/share’). We’ll verify your identity before processing the request.

8. Notice to Residents of Indiana, Kentucky, and Rhode Island

Effective January 1, 2026, residents of these states possess additional rights regarding their personal data:

  • Right to Appeal (IN, KY): If we decline to take action regarding your privacy request (e.g., deletion or access), we will inform you of our reasoning. You have the right to appeal this decision by emailing support@mxkdigital.com with the subject line "Privacy Appeal." We will provide a written explanation of the actions taken or not taken within 60 days.
  • Rhode Island Disclosure: We may sell or process personal data for the purpose of targeted advertising. The categories of third parties to whom we may sell or share your personal data include:
    • Licensed Insurance Agencies (for lead fulfillment)
    • Marketing Platforms (for ad delivery)
    • Data Aggregators (for verification)

9. Data Retention and Security

  • Security: We use industry-standard encryption (SSL), multi-factor authentication, and secure servers to protect your data. However, no electronic transmission is 100% secure.
  • Retention: We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy (e.g., providing your Agency Compliance Audit) or to comply with legal obligations (e.g., keeping consent logs for 4 years per the statute of limitations).
  • International Data Transfers: We primarily serve U.S.-based insurance professionals, but our operations and service providers may process your information outside of your state or country (including in Europe). By using our website or providing your information, you understand that your data may be transferred to and processed in countries that may have different data protection rules than your own.

10. Children’s Privacy

Our services are strictly B2B and intended for insurance agency owners and staff. We do not knowingly collect data from anyone under the age of 18.

12. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or laws. The "Last Updated" date at the top will indicate when changes were made.

13. Contact Us

If you have questions about this policy or our data practices, please contact us:

MXK Digital
Email: support@mxkdigital.com
Website: www.mxkdigital.com