Privacy Policy

Original Effective Date: Jan 1, 2024

Revised Version Effective Date: October 16, 2026

Last Updated: October 9, 2026

Public notice of revised policy. Policy update: Our Privacy Policy now addresses insurance consultation requests. This revised version takes effect October 16, 2026 and applies prospectively. Our existing real estate provisions remain in effect until that date. The revised insurance-related clauses apply beginning October 16, 2026 — they are not applied retroactively.

1 Introduction

Welcome to Chief Investment Properties ("Company," "we," "our," or "us"). Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you interact with our website, services, and communications.

This policy covers the Chief Investment Properties website and its real estate services, and it also covers insurance consultation requests submitted through this website. Those insurance consultations are provided by Steven Spencer in his individual capacity — a Washington licensed life insurance producer (license WA1373444, NPN 22317877) and Experior Financial Associate — and are separate from Chief Investment Properties LLC's real estate business. Chief Investment Properties LLC is not a licensed insurance agency and is not a subsidiary of Experior.

By using our services, you agree to this Privacy Policy and to our Terms and Conditions. If you disagree, please discontinue use.

2 Information We Collect

A. Information You Provide to Us

Real estate inquiries: name, contact information, and property details when requesting an offer or contacting us.

Insurance & Family Protection consultation requests: the consultation form collects the following fields:

  • Full name (required)
  • Email (required)
  • Phone (optional — required only if you select Phone as your preferred contact method or agree to text messages)
  • State (required)
  • Coverage interest (e.g., life insurance, family protection, IUL education, or not sure yet)
  • Preferred contact method (Email by default, or Phone)
  • Optional message
  • Affirmative consultation-contact permission (a checkbox you must actively select)
  • Optional text-message consent — two separate, optional checkboxes that are unchecked by default: one for non-promotional (transactional) messages (consultation request, reminders, and follow-up) and one for optional marketing and promotional messages. Neither is required to submit the form, and we record whether each was agreed to or not.

We also keep a record of the contact permission and any optional text-message consent you provide — including the affirmative or negative state of each consent field, the time of consent, and the page URL it was given from. The consultation form is a request for a conversation only. It is not an insurance application, a payment process, a medical questionnaire, or a policy. If you decide to proceed, any application is completed separately through the appropriate process with the applicable notices and authorizations.

B. Automatically Collected Information

  • IP address
  • Device/browser info
  • Pages visited, time spent

C. Information from Third Parties

We may receive or collect the following data from third-party sources:

  • Property ownership history
  • Mortgage/lien data
  • Tax assessments
  • Zoning and land use
  • Foreclosure or auction status
  • Occupancy and condition insights
  • Transaction and price history
  • Parcel and neighborhood demographics

We use this to validate ownership, verify legitimacy, qualify leads, and present accurate offers.

3 How We Use Your Information

We use your information to:

  • Respond to inquiries and provide offers
  • Send confirmations, updates, and follow-through
  • Deliver promotions, tools, and content, if separately opted in
  • Answer requested insurance questions, schedule consultations, and follow up on your consultation request
  • Manage your contact and communication preferences
  • Prevent fraud and maintain legal compliance
  • Analyze trends to improve our services

Insurance consultation request data is used to respond to your requested insurance questions, scheduling, and follow-up, and to manage your preferences — this is distinct from how we use real estate offer data.

No Use of Property Records for Insurance Purposes

We do not use real-estate-related property records — including ownership history, mortgage, tax, occupancy, or parcel data collected through the property channels described above — for insurance underwriting or eligibility purposes through this consultation form.

4 Text Messaging & Communication Consent

We contact you to respond to the request or purpose you authorized. Providing a contact method for a form lets us respond using the method you selected. We do not treat merely providing a phone number as blanket consent to automated or prerecorded calls or to marketing text messages.

  • Insurance consultation consent is scoped: if you submit an insurance consultation request, we may follow up by Email (the default), or by Phone only if you selected Phone as your preferred contact method, and only about your consultation request.
  • Text messaging consent is separate and optional. The insurance consultation form collects text-message consent only through separate, optional checkboxes that are unchecked by default — one for non-promotional (transactional) messages about your consultation request, reminders, and follow-up, and one for optional marketing and promotional messages. Providing a phone number does not authorize text messages, and neither checkbox is required to submit the form.
  • Marketing communications require a separate opt-in where required, and are not implied by your use of this website or by providing a phone number.
  • You may withdraw consent at any time by contacting us at spencer4571@gmail.com or 360-519-2651 for insurance, or steven.spencer@chiefinvestmentproperties.com or 1-866-780-3892 for real estate.

No Sale of Data / Mobile Consent Not Shared

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.

Text messaging originator opt-in data and consent are not shared with any third parties, except with service providers necessary to deliver the text messages on our behalf. They are never shared with third parties or affiliates for their own marketing or promotional purposes.

Text Message Programs

The real estate SMS program is separately opted in and applies to real estate communications only.

Insurance-related text messages are sent by Chief Investment Properties LLC and are also separately opted in through the optional checkboxes on the insurance consultation form — a transactional option (consultation request, reminders, and follow-up) and a separate, optional marketing option. Neither box is preselected, and neither is required to submit the form.

For any text message program, you can reply "STOP" to opt out, reply "HELP" for help, and message and data rates may apply. Message frequency varies. Text-messaging originator opt-in data and consent are not shared with third parties, except service providers necessary to deliver the messages.

We retain consent records and use originator data in accordance with applicable law, including the TCPA, the E-SIGN Act where applicable, and our Terms and Conditions.

5 How We Protect Your Information

We handle the information you provide with care and take reasonable measures to protect it. However, no method of transmission over the internet and no method of electronic storage can be guaranteed to be completely secure. We cannot promise that information will never be accessed, disclosed, altered, or destroyed due to a breach of our safeguards.

Our protections are reasonable and appropriate for the information we hold, and we review them as our services develop. Where we become aware of a breach involving your personal information, we will notify affected parties in accordance with applicable state and federal breach notification laws.

If you suspect a breach, contact us immediately at steven.spencer@chiefinvestmentproperties.com or 1-866-780-3892.

How Requests Are Processed & Delivered

Website hosting, form handling, email, and related service providers process and deliver your requests on our behalf. When you submit a form, it may enter our website account's notification inbox, which is accessible by authorized personnel. We therefore cannot promise absolute segregation between, for example, real estate and insurance inquiry records within that inbox.

Experior and insurance carriers do not automatically receive all inquiries. We share your information with Experior or a carrier only as needed for an insurance review or application that you expressly request later, together with any applicable notice and consent.

Any data that Experior, a carrier, or another third party collects directly is governed by their own privacy practices, which are separate from this policy.

No Sensitive Information Through the Website or Ordinary Email

Please do not send sensitive information — such as medical information, Social Security numbers, financial account details, or payment card information — through website forms or ordinary email.

If a later insurance application is needed, that data is collected through the appropriate secure process with the applicable notices and authorizations. This general site policy does not replace any insurance-specific privacy notice you may receive.

6 Your Rights & Choices

The rights described here are subject to applicable law and to reasonable identity verification. Where the law that applies to you provides you with additional rights, we will honor them.

A. Access or Update Data

Contact us using the method associated with your request, and we will respond within the timeframes required by applicable law. Identity verification is limited to what is reasonable for your request.

B. Deletion Requests

You may request deletion unless:

  • We're completing an open transaction
  • Laws or investigations require retention
  • We need to retain a minimal suppression record to honor your opt-out

C. Opt-Out Options

  • Real estate SMS: Reply "STOP"
  • Email: Use the unsubscribe link included in marketing emails or contact us directly to request removal
  • All communications: You may withdraw consent at any time by contacting us using the appropriate route below

Exercising Your Rights

  • We do not refuse requests from authorized representatives by default.
  • We do not require a government-issued ID or your home address for an ordinary opt-out request.
  • We verify identity only to the extent reasonable and appropriate for the sensitivity of the request.

7 Cookies & Tracking

The site and our service providers may use cookies and similar technologies for functionality and analytics. These may include:

  • Essential cookies for basic site functionality
  • Analytical cookies to monitor traffic and understand how the site is used
  • Performance and session cookies to enhance user experience
  • Marketing cookies, where used, only as permitted by applicable law

You can manage or disable cookies through your browser settings. Where applicable law requires consent for non-essential cookies, we obtain it in accordance with those requirements.

8 Third-Party Links & Sharing

Some personal or property data may be collected through third-party lead sources or public records. We only retain and use such data for lawful outreach, analytics, and suppression purposes, in accordance with applicable laws.

We do not sell your data. We may share data:

  • With service providers for delivery/communication purposes
  • If legally required (e.g., subpoenas)
  • To prevent fraud or security risks
  • In mergers/acquisitions (with notice)

9 Record Retention

We retain contact and interaction records for as long as needed for the purpose for which they were collected, for legal and compliance recordkeeping, to honor consents, and to maintain suppression records for opt-outs. We do not state a single fixed retention period, because retention depends on the purpose and on applicable legal requirements.

We keep a minimum suppression record so that we can continue to honor your opt-out choices. Electronic records may be treated as originals per the E-SIGN Act where applicable.

10 Legal Compliance

We aim to handle personal information in a manner consistent with applicable law, including laws that may provide you with rights such as access, correction, or deletion, and laws governing opt-in consent for contact. Rights available to you depend on your location and the applicable law; we do not make categorical compliance certifications.

  • California (e.g., CCPA/CPRA-type rights): where applicable, request, correct, or delete your data
  • EU/EEA (e.g., GDPR-type rights): where applicable, consent, transparency, and access
  • U.S. telephone law (e.g., TCPA): opt-in consent for contact where required

All user rights and obligations are further detailed in our Terms and Conditions. Nothing in this section limits any right you may have under applicable mandatory consumer or insurance law.

Do Not Contact & Do Not Call

Our Do Not Call (DNC) Policy is publicly available at:

Do Not Call Policy

There is no access-verification barrier to viewing this policy. You can also contact us to obtain a copy or to request that you not be contacted:

11 Dispute Resolution

Any disputes relating to this Privacy Policy or your data shall be resolved through binding arbitration in accordance with the Terms and Conditions. See Section 12 of our Terms and Conditions for complete arbitration and governing law details.

This does not limit mandatory rights or insurance-law exceptions. The arbitration and governing-law provisions do not override mandatory insurance or consumer protection law, the terms of any issued insurance policy, your right to file a complaint with an insurance or consumer regulator, or any right that cannot lawfully be waived.

12 Changes to This Policy

We may revise this Privacy Policy. Changes will be posted with a revised "Last Updated" date. We will notify users via email or a prominent website banner at least 7 days before significant changes take effect.

13 Contact Information

If you have questions about this Privacy Policy, your rights, or our data practices, please get in touch with us using the information below. We respond to all valid privacy inquiries within applicable legal timeframes and retain a record of all such requests for compliance documentation.

Real Estate Privacy Requests

Insurance Consultation Privacy Requests (Steven Spencer, Individual Capacity)

Phone:

360-519-2651

Washington licensed life insurance producer (license WA1373444, NPN 22317877), Experior Financial Associate. Separate from Chief Investment Properties LLC.

We verify identity only to the extent reasonable and appropriate for the sensitivity of your request. We do not require a government-issued ID or your home address for an ordinary opt-out request, and we do not refuse requests from authorized representatives by default.

For questions about this Privacy Policy, please contact us using the information above.

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Last Updated: October 9, 2026 | Revised Version Effective Date: October 16, 2026 | Original Effective Date: January 1, 2024.

This revised Privacy Policy addresses insurance consultation requests. It takes effect October 16, 2026 and applies prospectively. Our existing real estate provisions remain in effect until that date. The revised insurance-related clauses apply beginning October 16, 2026 and are not applied retroactively.