Privacy Policy

Last updated: November 3, 2026

This Privacy Policy explains how Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC ("Spektra," "we," "us"), collects, uses, and protects information when you visit spektralife.com, request a quote, or communicate with us by phone, email, or text message.

Information we collect

Information you give us

• Contact details: first and last name, phone number, email address, and state.
• Quote details: your age range and who the coverage is for.
• Information you share with a licensed agent to get a quote or apply for coverage, such as date of birth, health information, and beneficiary details.
• Your text messaging choices, including which consent boxes you checked.

Information collected automatically

• When you submit our form, we record the date and time, your IP address, your browser type, the page you submitted from, and the exact consent wording shown to you. We keep this as a record of your request and your consent.
• Basic website usage information, such as pages visited, collected through cookies or similar technologies to keep the site working and understand how it is used.

How we use your information

• To respond to your quote request and contact you about it by phone, email, or text message (texts only if you opted in).
• To have a licensed agent explain insurance options and help you apply for coverage you choose.
• To send you marketing messages, only if you opted in to them.
• To keep records of your requests and consent, comply with law, and prevent fraud.
• To operate and improve our website and services.

How we share information

We do not sell your personal information. We share it only as follows:

• Insurance companies you choose to apply with. If you decide to apply for a policy, we send your application information to that insurance company so it can review your application.
• Service providers. Companies that help us run our business, such as our customer relationship management system, website host, and text messaging and phone providers, under contracts that limit their use of your information to providing services to us. Sharing with subcontractors in support services, such as customer service, is permitted.
• Legal reasons. When required by law, subpoena, or regulation, or to protect our rights and the safety of others.
• Business transfers. If our business is sold or merged, information may transfer to the new owner under this policy.

We do not share your phone number, text messaging opt-in data, or consent with any third party or affiliate for their marketing or promotional purposes.

Text messages

If you opt in, we may send text messages about your quote request and, if you separately opt in, marketing messages about our insurance products. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time, or HELP for help. Consent is not a condition of purchase. See our SMS Policy for details.

How long we keep information

We keep your information for as long as needed to serve you and meet legal, insurance, and recordkeeping requirements. We keep records of your consent and opt-out requests for at least five years.

How we protect information

We use reasonable administrative, technical, and physical safeguards, including encrypted connections (HTTPS) on our website. No method of transmission or storage is completely secure.

Your choices and rights

• Stop text messages at any time by replying STOP.
• Ask us not to call you by telling your agent or contacting us below. We will add you to our internal do-not-call list.
• Unsubscribe from marketing emails using the link in any email.
• Ask to access, correct, or delete your personal information by contacting us. Some information may need to be kept for legal or insurance reasons.

California residents: under the California Consumer Privacy Act, you have the right to know what personal information we collect and how we use it, to request deletion or correction, to opt out of the sale or sharing of personal information (we do not sell it), and not to be discriminated against for using these rights. Contact us below to make a request.

Children

Our website and services are not intended for anyone under 18, and we do not knowingly collect information from children.

Changes to this policy

We may update this policy. The date at the top shows when it was last changed.

Contact us

Spektra Insurance Solutions (a DBA of Twenty Four Hour, LLC)
3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108
Phone: (888) 808-1945
Email: [email protected]