Privacy Policy · South Elm Capital

Your Privacy Matters.

We use your information to respond to your request, provide insurance-related help, and communicate with you about coverage options. We do not sell your personal information or share your lead information with outside marketers.

Plain-English Summary

When you request information from South Elm Capital, we use your contact information to follow up with you about final expense insurance, life insurance, policy reviews, and related protection options. We do not sell your information. We do not share your information with unrelated marketers. You may opt out of communication at any time.

Effective Date May 2, 2026
Website https://southelmcap.com
Business South Elm Capital
Contact 704-270-9996 · james@southelmcap.com

Privacy Policy

South Elm Capital respects your privacy. This Privacy Policy explains how we collect, use, protect, and manage information when you visit our website, submit a form, request a quote, use our chat widget, schedule an appointment, call us, text us, email us, or interact with one of our advertisements.

By using this website or voluntarily submitting your information, you acknowledge that you have read this Privacy Policy and understand how South Elm Capital may use your information to respond to your request.

1. Information We Collect

We may collect information that you voluntarily provide to us when you submit a form, complete a quiz, request a callback, call us, text us, use our chat widget, schedule an appointment, or otherwise contact South Elm Capital.

Personal information may include:

  • Name
  • Phone number
  • Email address
  • ZIP code, city, or state of residence
  • Age range or date of birth, when relevant to insurance eligibility
  • Coverage amount interest
  • Main concern or reason for requesting information
  • Preferred timing for help or callback
  • General insurance needs or coverage questions
  • Information you voluntarily provide during calls, texts, emails, forms, or chat conversations

Website and advertising information may include:

  • IP address
  • Device and browser information
  • Pages visited
  • Buttons clicked
  • Forms started or submitted
  • Referring advertisement, search engine, or website
  • Analytics, conversion, and advertising performance data

2. How We Use Your Information

South Elm Capital uses the information you provide to respond to your request and help you evaluate final expense insurance, life insurance, policy reviews, and related family protection options.

We may use your information to:

  • Contact you about your request for insurance information
  • Provide quotes, policy reviews, or coverage options
  • Compare options from available insurance carriers
  • Schedule or confirm appointments
  • Send follow-up messages related to your inquiry
  • Answer your questions by phone, text, email, or chat
  • Maintain records of your request, communications, and consent
  • Improve our website, forms, advertisements, and customer experience
  • Measure marketing and advertising performance
  • Comply with applicable legal, insurance, licensing, and regulatory obligations

Submitting information does not guarantee approval for insurance coverage. Insurance availability, eligibility, premiums, and approval are subject to carrier underwriting, state availability, and product rules.

3. Calls, Text Messages, Emails, and Consent

When you submit your information through this website, a South Elm Capital form, a Facebook or Meta lead form, a Google ad form, a chat widget, a scheduling page, a calculator, or another lead form, you are requesting that South Elm Capital contact you about insurance-related information.

By submitting your information, you authorize South Elm Capital, Dr. James Andrews, and our service providers acting on our behalf to contact you using the contact information you provide. This may include contact by phone call, text message, email, voicemail, or similar communication methods regarding final expense insurance, life insurance, policy reviews, family protection, and related insurance options.

Message and data rates may apply. Consent is not required to purchase insurance or any other product or service. You may opt out of text messages at any time by replying STOP. You may request help by replying HELP. You may also contact us directly at 704-270-9996 or james@southelmcap.com.

Recommended Form Disclosure

By submitting this form, I agree to be contacted by South Elm Capital by phone, text message, email, or voicemail about final expense insurance, life insurance, policy reviews, and related protection options. Message and data rates may apply. Consent is not required to purchase. Reply STOP to opt out or HELP for help. I agree to the Privacy Policy.

4. We Do Not Sell Your Personal Information

South Elm Capital does not sell your personal information.

We do not sell your phone number, email address, lead form information, insurance inquiry, chat messages, or contact details to outside marketers, lead buyers, unrelated advertisers, or third-party solicitation companies.

We use your information to respond to your request, provide insurance-related assistance, manage communications, operate our website and CRM, and fulfill legitimate business, legal, insurance, and compliance purposes.

5. Service Providers We Use

We may use trusted service providers to help operate our website, communicate with you, manage leads, schedule appointments, process forms, analyze advertising performance, and provide insurance-related service.

These service providers may include:

  • GoHighLevel / LeadConnector for CRM, forms, chat, SMS, calls, email, and automation
  • Website hosting and WordPress tools
  • Email and SMS communication providers
  • Appointment scheduling tools
  • Analytics and tracking tools
  • Advertising platforms such as Meta/Facebook and Google
  • Insurance carriers, insurance marketing organizations, or brokerage partners when needed to provide quotes, policy options, or application support

These providers are used to support South Elm Capital’s business operations and your request for information. We do not authorize them to use your information for unrelated marketing purposes.

6. Cookies, Pixels, Analytics, and Advertising Tracking

Our website may use cookies, pixels, tags, analytics scripts, and similar technologies to understand how visitors use the site, improve performance, and measure advertising results.

These tools may include:

  • Meta Pixel or Meta advertising tools
  • Google Analytics 4
  • Google Ads conversion tracking
  • GoHighLevel / LeadConnector tracking
  • Other website analytics or advertising performance tools

These technologies may collect information such as pages visited, buttons clicked, forms submitted, device type, browser type, referring source, and general interaction data. This information helps us understand which pages and ads are working and how to improve the user experience.

You may control or disable cookies through your browser settings. Disabling cookies may affect some website features.

7. Chat Widget, Forms, and Messaging

SouthElmCap.com may use a GoHighLevel / LeadConnector chat widget and other forms to help visitors ask questions, request callbacks, schedule conversations, or receive insurance-related information.

If you use the chat widget or submit a form, we may collect the information you provide, including your name, phone number, email address, message, and insurance-related questions. We may use that information to respond to you by phone, text, email, chat, or voicemail.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards to help protect the information we collect. However, no website, CRM, email system, SMS platform, phone system, or internet transmission can be guaranteed to be completely secure.

You should avoid submitting highly sensitive personal information through unsecured channels. If detailed insurance application information is needed, we will guide you through the appropriate process.

9. Data Retention

South Elm Capital may retain your information for as long as reasonably necessary to respond to your request, provide services, maintain communication records, document consent, comply with legal or insurance-related obligations, resolve disputes, and operate our business.

When information is no longer needed, we may delete, anonymize, or securely retain it according to our business and compliance needs.

10. Your Choices and Opt-Out Rights

You may ask us to update your contact information, stop contacting you, or remove you from marketing communications.

You may opt out in the following ways:

If you opt out, we may still contact you when necessary for non-marketing purposes, such as responding to a direct request, servicing an existing relationship, or meeting legal or insurance-related obligations.

11. Children’s Privacy

South Elm Capital’s services are intended for adults. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete it.

12. Third-Party Links

Our website may contain links to third-party websites, scheduling tools, insurance carrier websites, social media platforms, payment processors, or other external services. We are not responsible for the privacy practices, content, or policies of those third parties.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of this website after changes are posted means you acknowledge the updated policy.

14. Contact Us

If you have questions about this Privacy Policy or how your information is used, please contact South Elm Capital:

This Privacy Policy is provided for general business and website use. It is not legal advice. South Elm Capital may update this policy as business practices, technology, or legal requirements change.

Questions about your information?

Call South Elm Capital directly if you have questions about this Privacy Policy or want to update your communication preferences.

Call 704-270-9996