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Privacy Policy & SMS Terms of Service

Effective Date: August 28, 2026

Lacroix Benefits, by Melonie Lacroix Insurance Services ("we," "us," or "our") operates the website www.lacroixbenefits.com (the "Site"). We are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and share your data when you visit our website, apply for insurance coverage, or communicate with us via text messaging.

1. Information We Collect

We collect information you voluntarily provide to us when you request a meeting, request an insurance quote, enroll in benefits, sign up for our newsletter, or fill out forms on our Site. This information may include:

  • Identity Data: First name, last name, and date of birth.

  • Contact Data: Email address, physical mailing address, and phone number.

  • Insurance & Financial Data: Information relevant to your health, life, dental, vision, travel, or employee benefits needs to evaluate your eligibility for subsidies or carrier coverage.

2. How We Use Your Information

We use the information we collect to:

  • Provide, operate, and maintain our insurance quote and online enrollment platform.

  • Process your insurance applications and connect you with health, life, dental, and vision insurance carriers.

  • Respond to your inquiries, schedule consultation meetings, and provide customer support.

  • Send you requested information, newsletters, or informational alerts.

  • Comply with applicable legal, regulatory, and licensing requirements in Nevada (NV License 3645938) and California (CA License 4040974).

3. Sharing Your Personal Information

We only share your information with trusted third-party insurance firms, technology platforms, or carriers to the extent necessary to generate quotes, verify subsidy qualifications, or finalize your coverage enrollment. We do not sell your personal data.

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No mobile Opt-In or text message consent will be shared with third parties or affiliates

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4. SMS Terms and Disclosure (TCR Compliance)

If you opt in to receive text messages from Lacroix Benefits, you agree to receive conversational or informational SMS messages from us regarding your meetings, insurance requests, policy updates, or benefit quotes.

  • Opt-In Consent: Mobile phone numbers collected for SMS text messaging purposes are obtained explicitly through user-initiated forms where users must check an unselected checkbox indicating consent.

  • Strict Anti-Sharing Policy: No mobile opt-in or text message consent data will be shared with third parties, affiliates, or external lead generators for marketing or promotional purposes. Text messaging opt-in data is kept strictly confidential.

  • Opt-Out Instructions: You can cancel the SMS service at any time. Simply text STOP to our number (702-673-4873) to opt out. After you send the message "STOP" to us, we will send you a final SMS message to confirm that you have been unsubscribed. Following this, you will no longer receive SMS messages from us unless you choose to opt back in.

  • Customer Support: If you are experiencing issues with our messaging program or need assistance, you can reply with the keyword HELP, or email melonie@lacroixbenefits.com.

  • Rates and Frequency: Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary based directly on your interaction and meeting schedule with us.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance user experience, track site traffic, and understand how visitors navigate the platform. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

6. Data Security

We implement industry-standard security measures designed to safeguard your personal data from unauthorized access, loss, or disclosure. However, no electronic transmission or storage system can be guaranteed 100% secure.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

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