Privacy Policy

Information you provide. We collect information you submit through our forms or provide when communicating with us. Depending on your request, this may include:

• Your name, email address, telephone number, mailing address, and preferred contact method or time.
• Dates of birth and information about additional insureds or household members relevant to your request.
• The insurance products you are interested in, existing coverage, desired coverage, renewal dates, and related insurance needs.
• Property details, such as your address, roof age and materials, wiring, and claims history.
• Vehicle details, such as year, make, model, vehicle identification number (VIN), primary driver, and driving or violation history.
• For life insurance inquiries, information about existing and requested coverage, desired term, tobacco use, and health conditions you choose to disclose.
• Messages, attachments, and other information you provide for billing, policy changes, claims assistance, or general inquiries.
• For agent-interest requests, licensing status, states of interest, insurance experience, availability, occupation, and product interests.
• Your communication preferences and any text-message consent you provide.

Please provide information about other people only when you are authorized to do so. Do not send Social Security numbers, full payment-card numbers, security codes, or detailed medical records through general website messages or ordinary email. Contact us for an appropriate secure method when additional sensitive information is necessary.

Information from insurance-related sources. In connection with quoting or servicing insurance, we may receive information from insurers, insurance-service providers, and other sources authorized or permitted by law. Depending on the product and transaction, this may include application, policy, payment-status, claims, or underwriting information. Where required, additional notices or authorizations will be provided before obtaining reports or sensitive information.

Technical information. Website hosting and service providers may collect technical information such as IP address, browser and device information, access times, referring pages, and website activity to operate, maintain, and secure the website.

We use information as appropriate to:

• Respond to questions and requests, compare available insurance options, and prepare or arrange quotes.
• Assist with applications, placement of coverage, renewals, policy reviews, billing questions, policy changes, and claims-related communications.
• Communicate with you about your request or insurance relationship.
• Review agent-interest inquiries and discuss potential contracting opportunities.
• Maintain records, operate and secure our website and systems, prevent misuse or fraud, and comply with applicable legal and regulatory obligations.
• Send optional promotional communications where permitted by law and consistent with your communication choices.

Providing information or requesting a quote does not bind insurance coverage. Coverage is subject to insurer acceptance and applicable policy terms.

We may share information with:

• Insurance carriers and insurance-service providers. We share information needed to obtain quotes, process applications, arrange coverage, and support insurance transactions or policy service. Insurers and other independent providers handle information under their own privacy notices and applicable law.
• Service providers. Providers supporting website hosting, form delivery, communications, agency systems, recordkeeping, and other business functions may process information on our behalf for those services, subject to applicable obligations.
• Authorized parties. We may disclose information at your direction or with your authorization, including to people assisting with your insurance matters.
• Legal and regulatory recipients. We may disclose information when required or permitted by law, including to regulators, in response to lawful process, or to investigate fraud and protect legal rights.

We do not sell your personal information. We do not share personal information with unrelated third parties for their own marketing purposes. Any additional disclosure subject to a required notice, authorization, or opt-out opportunity will be handled in accordance with applicable law.

Mobile information and text-message consent will not be shared with third parties or affiliates for their marketing or promotional purposes. Providers supporting delivery of our messages may process this information solely to provide those services.

If you opt in through a website consent checkbox or another appropriate consent process, we may send text messages to the telephone number you provide, including messages sent using an automated system, consistent with the consent you give. Message frequency varies. Message and data rates may apply. Consent to text messages is not a condition of purchasing insurance or entering into an agent contract.

Reply STOP to opt out of text messages or HELP for assistance. You may also call (314) 400-7117 for help with communication preferences. A permitted opt-out confirmation may be sent after your request.

You may request that we stop promotional emails or calls by contacting us, or use an unsubscribe link if provided. We may still provide necessary policy-service, transaction, or legally required communications through appropriate channels.

Our website uses browser-based storage to save unfinished quote-form entries and your progress on the device you use. This may include personal and insurance-related information you enter. The form is designed to clear the saved draft after successful submission and to discard drafts older than approximately 24 hours when the form checks for saved progress. Closing the browser alone may not erase the saved information.

Avoid entering sensitive information on a shared or public device. You can remove saved entries by clearing this website's browser data. Doing so may erase your form progress; it does not delete information already submitted to us.

Cookies or similar technologies may also be used as needed for website functions and security. You can manage cookies and site storage through your browser settings, although some website features may be affected.

We use reasonable administrative, technical, and physical safeguards designed to protect information we maintain. No website, electronic transmission, or storage system can guarantee complete security.

We retain information for as long as reasonably necessary to fulfill the purposes described in this policy, maintain insurance and business records, meet legal or regulatory requirements, and resolve disputes. Retention periods vary with the information and transaction. Information held by insurers and other independent providers is subject to their own retention practices.

You may contact us to request access to, or correction of, personal information we maintain, request deletion where applicable, or ask about our information-sharing practices. Your rights depend on applicable law and the type of information involved. We may need to verify your identity and authority before acting on a request.

We will respond as required by applicable law. Some records may need to be retained for insurance, legal, regulatory, or other permitted purposes. Requests involving information maintained independently by an insurer may need to be directed to that insurer. Nothing in this policy limits privacy rights available to you under applicable law.

Our website may link to insurer portals, payment services, social media, or other third-party websites. This policy does not govern those websites. Review their privacy notices before providing information.

Our website is intended for adults seeking insurance services or agent opportunities and is not directed to children under 13. We do not knowingly collect information submitted directly by children under 13 through the website. Adults may provide information about children when needed for a legitimate insurance purpose. If you believe a child has submitted information directly to us, contact us.

This website policy supplements any separate insurance privacy notices or authorizations provided by us or your insurer. Those notices may explain additional collection, disclosure, and privacy rights relating to your insurance relationship. We will provide any additional notices or choices required by applicable law.

We may update this policy to reflect changes in our practices or legal requirements. The revised policy will be posted here with an updated effective date. We will provide additional notice when required by law.