Privacy Policy

1. Information we collect

• Contact information you provide (name, email, phone number, mailing address, state of residence).
• Insurance-related information you share (date of birth, health status, tobacco use, coverage goals, existing policies).
• Communications exchanged with our agent (email, SMS, call notes).
• Website usage data collected automatically (IP address, browser, device, referring URL, pages viewed).

2. How we use information

• Provide quotes, applications, and ongoing policy service.
• Communicate with you by phone, email, or SMS about your inquiry.
• Comply with insurance regulations, licensing, and record-keeping laws.
• Improve our website, marketing, and customer service.
• Prevent fraud and secure our systems.

3. SMS/mobile information — no third-party sharing

We do not sell, rent, or share mobile phone numbers, SMS opt-in status, or consent data with third parties or affiliates for their marketing or promotional purposes. Mobile information may be shared only with service providers (such as our SMS platform) strictly to deliver messages you have requested. See our SMS Terms for opt-in, opt-out, message frequency, and rate disclosures.

4. When we share other information

We may share non-SMS information with:

• Insurance carriers and underwriters to obtain quotes, submit applications, and service policies you request.
• Service providers (CRM, hosting, email delivery, analytics) acting on our behalf under confidentiality obligations.
• Regulators, law enforcement, or courts when required by law.

5. Cookies & analytics

Our website may use cookies and similar technologies to remember preferences and measure traffic. You can control cookies through your browser settings.

6. Data retention

We retain personal information for as long as needed to provide services, comply with legal and regulatory requirements (including state insurance record retention rules), resolve disputes, and enforce our agreements.

7. Your choices & rights

• Opt out of SMS at any time by replying STOP to any message.
• Unsubscribe from marketing emails using the link in each message.
• Request access, correction, or deletion of your personal information by contacting us. Certain state laws (e.g., California, Virginia, Colorado) may grant additional rights.

8. Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission or storage is completely secure.

9. Children

Our services are directed to adults 18 and older. We do not knowingly collect personal information from children.

10. Changes

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision.

11. Contact us

Questions about this policy? Reach us through our Contact page, by phone at 860-818-8673 (cell) or 1-571-576-6885 (office), or by email at brugar.sfg@gmail.com.