Privacy Policy

Overview

CST Company LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our Facebook lead advertisements, submit information through our lead forms, or otherwise engage with our life insurance services.

Information We Collect

Information You Provide Directly

When you submit a lead form through our Facebook advertisements or other marketing channels, we may collect:

• Full name
• Phone number
• Email address
• Any additional information you voluntarily provide in messages or communications

Information Collected Automatically

We may automatically collect certain information through:

• Facebook advertising pixels and tracking technologies
• Website analytics tools
• Cookies and similar tracking technologies
• Call recording and monitoring systems during phone conversations

How We Use Your Information

We use the information we collect to:

• Contact you about life insurance products and services
• Assess your insurance needs and provide quotes
• Share your information with licensed insurance carriers and partners
• Maintain records in our customer relationship management (CRM) systems
• Comply with insurance industry regulations and licensing requirements
• Improve our marketing and advertising efforts
• Send follow-up communications via email, phone, or text message

Information Sharing and Disclosure

We may share your personal information with:

Third-Party Partners

• Licensed insurance carriers and underwriters
• Marketing partners and lead generation companies
• Insurance agencies and brokers in our network

Service Providers

• CRM and database management companies
• Call recording and monitoring services
• Email and text messaging platforms
• Analytics and advertising service providers

Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect our rights, property, or safety.

Communication Preferences

By providing your contact information, you consent to receive:

• Phone calls from our licensed agents
• Text messages regarding insurance products and services
• Email communications about insurance offerings and company updates
• Recorded phone conversations for quality assurance and training purposes

You may opt out of marketing communications at any time by:

• Replying "STOP" to text messages
• Using unsubscribe links in emails
• Calling us at the number provided in communications
• Emailing caleb@calebthames.com

Data Retention

We retain your personal information indefinitely to:

• Maintain comprehensive client records
• Comply with insurance industry record-keeping requirements
• Provide ongoing customer service and support
• Meet regulatory and legal obligations

Facebook Lead Ads Specific Information

When you interact with our Facebook lead advertisements:

• Facebook may share your contact information directly with us
• We may use Facebook's tracking tools to monitor ad performance
• Facebook's own privacy policies also apply to your interactions on their platform
• We may create custom audiences and lookalike audiences for advertising purposes (where permitted by Facebook's policies)

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Right to access the personal information we hold about you
• Right to request correction of inaccurate information
• Right to request deletion of your information (subject to legal and business requirements)
• Right to object to certain processing activities

To exercise these rights, contact us at caleb@calebthames.com or the address listed above.

State-Specific Licenses and Compliance

CST Company LLC operates as a licensed insurance entity in Georgia, North Carolina, South Carolina, Alabama, Ohio, Michigan, Virginia and Texas. We comply with all applicable state insurance regulations and privacy requirements in these jurisdictions.

Security Measures

We implement reasonable security measures to protect your personal information, including:

• Secure data storage systems
• Access controls and authentication procedures
• Regular security assessments
• Compliance with industry security standards

However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

Third-Party Links and Services

Our communications may contain links to third-party websites or services. This Privacy Policy does not apply to those external sites, and we encourage you to review their privacy policies.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notification to your registered email address
• Including notice in our regular communications

Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Effective Date

This Privacy Policy is effective as of February 26, 2026 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

By submitting your information through our lead forms or engaging with our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.