Privacy Policy

1. Scope and Applicability

This Policy applies to all personal information collected by the Agency through the Site, through electronic communications, or in connection with the provision of insurance quotation and brokerage services. This Policy does not apply to the practices of companies that we do not own or control, including any third-party insurance carriers, to whom you may be directed in the course of receiving a quote or obtaining coverage.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a quote request or contact us, we may collect the following categories of personal information:

• Full legal name;
• Date of birth;
• Email address;
• Telephone number, including mobile number;
• Residential, property, and mailing addresses;
• Vehicle information (year, make, model, loan status);
• Driver information for household members;
• Property characteristics (type, plumbing, roof, pool, trampoline); and
• Coverage preferences and any additional information you voluntarily provide.

2.2 Information Collected Automatically

When you visit the Site, we may automatically collect certain information about your device and browsing activity, including:

• Internet Protocol (IP) address and approximate geographic location;
• Browser type, version, and operating system;
• Device identifiers and hardware characteristics;
• Referring and exit pages, including Uniform Resource Locators (URLs); and
• Pages viewed, time spent on pages, and navigation patterns.

2.3 Information from Third Parties

In order to prepare an accurate quote, we may obtain additional information about you from insurance carriers, consumer reporting agencies, motor vehicle records, and other third-party sources as permitted by law.

3. How We Use Your Information

We use the personal information described in Section 2 for the following purposes:

1. To prepare, deliver, and administer insurance quotes and related services;
2. To respond to inquiries and communicate with you regarding your submission;
3. To contact you via telephone call, text message (SMS/MMS), or email, as further described in Section 5;
4. To operate, maintain, secure, and improve the Site;
5. To comply with applicable laws, regulations, legal process, and governmental requests; and
6. To prevent fraud, investigate suspected illegal activity, and protect the rights, property, or safety of the Agency, our Users, or others.

We do not sell, rent, or lease your personal information to third parties for their own marketing purposes.

4. Legal Basis for Processing

We process your personal information on one or more of the following legal bases:

• Consent. You have given your express consent to the processing of your personal information for a specific purpose;
• Contractual Necessity. Processing is necessary to respond to your request for a quote or to provide services you have requested;
• Legal Obligation. Processing is necessary for compliance with legal or regulatory obligations to which the Agency is subject; and
• Legitimate Interests. Processing is necessary for the legitimate interests of the Agency, provided such interests are not overridden by your rights.

5. Telephone and Text Message Communications

5.1 Consent to Receive Communications

By submitting your telephone number through the Site and affirmatively checking the consent box provided, you expressly consent to receive text messages (SMS/MMS) and telephone calls from the Agency at the telephone number you provide, including communications sent by means of an automatic telephone dialing system or an artificial or prerecorded voice.

No mobile information, including phone numbers and SMS consent data, will be shared with third parties or affiliates for marketing or promotional purposes at any time. Information related to text messaging is used solely to deliver the messages you have consented to receive and is disclosed only to subprocessors necessary to deliver those messages (such as our SMS platform provider, Twilio).

5.2 Purpose and Content of Messages

Text messages you receive from the Agency will relate solely to:

• Confirmation that your quote request has been received;
• Follow-up questions necessary to complete your quote;
• Delivery of your quote and related coverage information;
• Scheduling of calls or appointments; and
• Customer service communications relating to your submission or policy.

We will not use text messaging for unrelated marketing, promotional content, or third-party advertising.

5.3 Message Frequency

Message frequency varies depending on the nature of your inquiry. You may reasonably expect between one (1) and ten (10) messages per quote request over the duration of our correspondence.

5.4 Message and Data Rates

Message and data rates may apply. The Agency does not charge for the messages we send; however, your mobile carrier may impose standard message, data, or other charges pursuant to your service plan. Please consult your mobile carrier for details.

5.5 Opt-Out and Help

You may opt out of text message communications at any time by replying STOP to any message you receive from us. After you send STOP, we will send one (1) confirmation message and will not send you further text messages unless you re-enroll. To receive help, reply HELP to any message or contact us at the information provided in Section 12. You may also opt out of telephone and email communications at any time by contacting us directly.

5.6 Supported Carriers

Our messaging service is available across major U.S. wireless carriers, including but not limited to AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, Cricket, MetroPCS, U.S. Cellular, and Virgin Mobile. Carriers are not liable for delayed or undelivered messages.

5.7 No Condition of Purchase

Your consent to receive text messages or telephone calls is not a condition of purchasing any insurance product or service from the Agency. You may request a quote by telephone or in person without providing such consent.

5.8 Non-Sharing of Mobile Information

Mobile telephone numbers and consent to receive SMS messages are not shared with third parties or affiliates for marketing or promotional purposes. Information obtained in connection with text messaging, including mobile opt-in data, will not be disclosed to any third party except as required to deliver the messages you have requested or as otherwise permitted under Section 6 of this Policy.

6. Disclosure of Personal Information

We may disclose your personal information only in the following limited circumstances:

1. Insurance Carriers and Partners. To licensed insurance carriers, underwriters, and brokers for the purpose of preparing, delivering, or servicing a quote or policy you have requested;
2. Service Providers. To vendors and service providers who perform functions on our behalf, such as website hosting, email delivery, analytics, and communications platforms, under contractual obligations of confidentiality and data protection;
3. Legal and Regulatory. To government authorities, courts, or other parties when required by law, legal process, subpoena, or regulatory request; and
4. Protection of Rights. When we believe, in good faith, that disclosure is necessary to protect the rights, property, or safety of the Agency, our Users, or others, or to investigate or prevent fraud.

7. Data Security

The Agency implements commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Notwithstanding such measures, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security of your information.

8. Cookies and Similar Technologies

The Site may use cookies, web beacons, and similar technologies to enhance your browsing experience and to analyze usage of the Site. You may adjust the settings of your browser to refuse cookies; however, certain features of the Site may not function properly if cookies are disabled.

9. Your Rights

Depending on your state of residence and applicable law, you may have the right to:

• Request access to the personal information we maintain about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your personal information, subject to certain legal exceptions;
• Opt out of certain uses or disclosures of your personal information; and
• Lodge a complaint with a competent data protection authority.

To exercise any of these rights, please contact us using the information set forth in Section 12 below. We will respond to verifiable requests within the timeframe required by applicable law.

10. Children’s Privacy

The Site and our services are not directed to individuals under the age of eighteen (18). We do not knowingly collect personal information from any person under eighteen (18) years of age. If we become aware that we have inadvertently collected such information, we will promptly take steps to delete it.

11. Amendments to this Policy

The Agency reserves the right to amend this Policy at any time. When we make material changes, we will post the revised Policy on the Site with an updated “Last Updated” date. Your continued use of the Site following the posting of any such amendment shall constitute your acceptance of the amended Policy.

12. Contact Information

Questions, concerns, or requests relating to this Policy should be directed to:

13. Acknowledgment

By using the Site or submitting your information to the Agency, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.