Spektra Insurance Solutions

Privacy Policy

Last Updated: 01/09/2026

Spektra Insurance Solutions (“Spektra,” “we,” “us,” or “our”) is committed to protecting your privacy. Spektra Insurance Solutions is a DBA of Twenty Four Hour, LLC, which owns and operates this website and related services.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit forms, communicate with us, or otherwise interact with our services. By accessing or using our website or services, you agree to the terms of this Privacy Policy.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including but not limited to:

First and last name
Email address
Phone number
Mailing address
Any other information you choose to provide through forms, communications, or service inquiries

Non-Personal Information

We may automatically collect certain non-personal information when you access our website, including:

IP address
Browser type
Operating system
Access times
Pages viewed
Website navigation paths

This information is used for analytics, security, and website optimization purposes.

How We Use Your Information

We may use the information we collect to:

Provide, operate, and maintain our website and services
Respond to inquiries and provide customer support
Deliver insurance-related information, quotes, and updates
Improve, personalize, and expand our services
Communicate with you via email or SMS, with your consent
Send administrative messages and service-related notifications
Comply with legal and regulatory obligations
Detect, prevent, and address fraud or misuse

SMS Communications & Consent

If you provide your phone number and opt in to receive SMS messages, you consent to receive text messages from Spektra Insurance Solutions regarding insurance information, updates, and related communications.

Message frequency may vary
Message and data rates may apply
You may opt out at any time by replying STOP
You may reply HELP for assistance

SMS consent and phone numbers are not shared or sold to third parties or affiliates for marketing or promotional purposes. Consent to receive SMS messages is not a condition of purchase.

Disclosure of Your Information

We may share your information only in the following circumstances:

Service Providers: With trusted third-party vendors who perform services on our behalf (such as hosting, analytics, communications, or customer support), and only to the extent necessary to perform those services
Legal Requirements: If required by law, regulation, legal process, or governmental request
Business Protection: To protect the rights, property, or safety of our business, users, or others

We do not sell personal information.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

Your Data Protection Rights

Depending on your location, you may have the right to:

Request access to your personal information
Request correction of inaccurate or incomplete information
Request deletion of your personal information, subject to legal exceptions
Request restriction or objection to certain processing activities
Request data portability

Requests may be submitted using the contact information below. We respond within the timeframe required by applicable law.

California Privacy Rights (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including:

Right to Know: Request details about the personal information we collect and use
Right to Delete: Request deletion of personal information, subject to exceptions
Right to Opt-Out of Sale: We do not sell personal information
Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, please contact us using the information below.

Security of Your Information

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. While we strive to protect your data, no security system is completely secure, and we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of our website or services after changes are posted constitutes acceptance of those changes.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

Spektra Insurance Solutions
A DBA of Twenty Four Hour, LLC
3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108
📧 info@spektrainsurancesolutions.com
📞 888-808-1945