Privacy Policy

This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.

ARTICLE I– PRINCIPLES:

Section 1.01 – Principles: We may gather and use information as follows:

(1) Notice: We may gather and use information as follows:

(a) Volunteered Information: We will receive and store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed. Typically, you will provide information on the Website for the purchase of products or services or when you submit comments or questions for review by us.

(b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the website (“Cookie”). This file contains a unique number that helps us identify you when you return to the website. Cookies are employed by thousands of websites to enhance users’ web viewing experience. Cookies can neither damage user files nor read information from users’ hard drives. We combine all usage information provided by such Cookies, and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Website creates.

(c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the website; to respond to your requests for purchases, comments, or questions; to improve your experience at the Website; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of quotes and/or policy-related information.

To provide our services effectively, we may disclose certain personal information to third parties, including insurance carriers, for purposes such as underwriting and claims processing. The specific information shared will be limited to what is necessary for these purposes and will typically include your name, company, position, address, phone number(s), and email address. If any additional information is required, we will obtain your express consent before disclosure, either through your direct giving of the information or via a signed insurance application.

When you purchase an insurance policy with us, we may collect your payment information and billing address. This information is used solely to process your payment for the selected insurance products or services and is not retained for any other purpose.

We reserve the right to use any user comments or reviews submitted to us for promotional purposes, and by submitting such comments to us, you agree that we may do so.

We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:

(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.

(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us.

(4) Security: We protect the security of your personal information. We take steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ information. While we use such sophisticated security technology to secure users’ information we cannot guarantee that any electronic commerce is totally secure.

Section 2.01 – User Safeguards: You are responsible for maintaining the secrecy of your username, password, and any account information. It is important for you to be responsible and protect your username, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer that is accessible by others.

Section 3.01 – Children: We do not sell products for children. Users of the Website must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us to delete such information from our records.

Section 4.01 – Third Party Websites: Please be aware that the website may have links to third-party websites that may collect personally identifiable information about you. When you click on one of these third-party links, you are entering another website for which we have no responsibility. This Notice does not cover the information practices or policies of such third-party websites.

Section 5.01 – Agreement and Modification: By using and accessing our website, you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Website Terms and Conditions, including, without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law, govern any dispute over privacy. By using and accessing the Web Site, you agree to indemnify us for any and all third-party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice. Any modifications in the way we use personal information will be provided in future updates of this Notice. Modifications will be effective immediately and will be available on the website. User accepts any such modifications to this Notice by continued use of the Website after such modifications are made.

Section 6.01 – Please be aware that Google Analytics Advertising Features may be tracking visitor data on this website. Google Analytics may use cookies to collect Demographics and Interest Reporting data, which is used to get a better general understanding of the type of individuals visiting the Web Site; to collect aggregated site-visitation statistics; and to improve marketing initiatives, such as display and remarketing advertising.

Section 7.01 – Text Messaging and SMS Communication

This section describes our practices regarding text messaging and SMS (Short Message Service) communication. By providing your mobile phone number and consenting to receive text messages, you agree to the following:

• Consent: You consent to receive text messages from us, including marketing and promotional messages, at the mobile phone number you provide. You understand that consent is not a condition of purchase.
• Opt-Out: You can opt out of receiving text messages at any time by replying “STOP” to any text message from us. You may also opt out by contacting us using the information provided in Section 5.01.
• Frequency: We may send you text messages periodically, but only if it pertains to your quote or policy with us and is deemed necessary to communicate.
• Message and Data Rates: Message and data rates may apply to text messages. You are responsible for any charges from your wireless carrier.
• Information Collection: We may collect information about your text message interactions with us, such as the date and time of messages and whether you opened a message.
• Information Use: We may use the information we collect about your text message interactions to improve our services and personalize your experience.
• Third-Party Sharing: We will not share your mobile phone number or text message information with third parties for marketing purposes without your consent. Sharing may be necessary to fulfill product or service requests, in which case we are not responsible for third-party privacy practices.

Section 8.01 – California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)

This section provides additional information for California residents, as required by the CCPA and CPRA.

• Categories of Personal Information Collected: We collect the following categories of personal information:
  • Identifiers (e.g., name, email address, phone number)
  • Customer Records Information (e.g., billing address, purchase history)
  • Commercial Information (e.g., products or services you have purchased)
  • Internet Activity (e.g., browsing history on our website)
  • Geolocation Data (if you use our location-based services)
  • Inferences (e.g., about your preferences or interests)
• Purposes of Collection: We collect this information for the purposes described in Section 1.01, including to provide and improve our services, personalize your experience, and for marketing and advertising.
• Data Sharing: We may share your personal information with third parties as described in Section 1.01 and for business purposes such as payment processing and fraud prevention. We do not sell your personal information.
• Consumer Rights: California residents have the following rights:
  • Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you, the sources of the information, the purposes for collecting it, and the categories of third parties with whom we share it.  
  • Right to Delete: You have the right to request that we delete your personal information, subject to certain exceptions.
  • Right to Correct: You have the right to request that we correct inaccurate personal information about you.  
  • Right to Opt-Out of Sale/Sharing: While we do not currently sell your personal information, we may share it for targeted advertising. You have the right to opt out of this sharing.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.
• Exercising Your Rights: To exercise your rights, please contact us using the information provided in Section 5.01.