Privacy Policy

1. Introduction

Insurance4Dallas, a DBA (Doing Business As) of The Thornton Insurance Agency, LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website app.insurance4dallas.com (the "Service"), in conjunction with our main website at insurance4dallas.com.

Please read this Privacy Policy carefully. By using our Service, you consent to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when requesting insurance quotes or using our Service:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Date of birth, gender, marital status
• Family Information: Spouse details, number of children
• Health Information: Information necessary for insurance underwriting (only when applicable)
• Financial Information: Income information, payment details (when enrolling in coverage)
• Employment Information: Employer name, employment status (1099/W2)

2.2 Automatically Collected Information

When you access our Service, we may automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click data, referring URLs
• Location Data: Approximate geographic location based on IP address
• Cookies and Tracking Technologies: See our Cookie Policy below

2.3 Email Tracking Information

When we send you emails, we may use tracking technologies to improve our communication:

• Email Opens: We use tracking pixels (1x1 transparent images) to detect when you open our emails. This helps us understand if our communications are reaching you and being viewed.
• Link Clicks: We track which links you click in our emails to understand what content is most relevant to you and improve our service.
• Technical Data: When you open our emails or click links, we may collect your IP address, email client type (e.g., Gmail, Outlook), device type (mobile, desktop, tablet), and timestamp.

How to Opt-Out: You can prevent email tracking by disabling image loading in your email client settings. Most email clients allow you to block images by default and only load them when you choose to. This will prevent tracking pixels from functioning.

We use email tracking data to:

• Confirm email delivery and engagement
• Understand customer interests and preferences
• Improve email content and timing
• Identify "hot leads" who show high engagement
• Provide better customer service based on your interests

2.4 Information from Third Parties

We may receive information from insurance carriers, credit bureaus, and other third parties as necessary to provide insurance quotes and services.

3. How We Use Your Information

We use your information for the following purposes:

• Quote Generation: To calculate and provide personalized insurance quotes
• Service Delivery: To process applications, enroll you in coverage, and manage your insurance policies
• Communication: To send you quotes, policy information, updates, and service notifications via email and SMS
• Marketing: To send you information about new insurance products, services, and promotions (with your consent)
• Customer Support: To respond to your inquiries and provide assistance
• Analytics: To analyze usage patterns and improve our Service
• Legal Compliance: To comply with legal obligations and protect our rights
• Fraud Prevention: To detect, prevent, and address fraud and security issues

4. SMS Text Messaging and TCPA Compliance

5. How We Share Your Information

We may share your information with:

5.1 Insurance Carriers

We share necessary information with insurance companies to obtain quotes and process applications on your behalf.

5.2 Service Providers

We work with third-party service providers who assist us in:

• Email delivery services
• SMS messaging platforms (compliant with A2P requirements)
• Cloud hosting and data storage
• Payment processing
• Analytics and performance monitoring

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

5.3 Legal Requirements

We may disclose your information when required by law, such as:

• In response to a subpoena, court order, or legal process
• To protect our rights, property, or safety, or that of others
• To investigate fraud or security issues
• To comply with regulatory or governmental requests

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

5.5 With Your Consent

We may share your information for other purposes with your explicit consent.

We do NOT sell your personal information to third parties for their marketing purposes.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit using SSL/TLS protocols
• Encryption of sensitive data at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication requirements
• Employee training on data protection and privacy
• Secure data centers with physical security measures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and fulfill your quote requests
• Comply with legal, regulatory, or contractual obligations
• Resolve disputes and enforce our agreements
• Maintain business records (typically 7 years for insurance-related records)

When information is no longer needed, we securely delete or anonymize it.

8. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

8.1 Access and Portability

You have the right to request access to the personal information we hold about you and receive a copy in a portable format.

8.2 Correction

You can request corrections to inaccurate or incomplete information.

8.3 Deletion

You may request deletion of your personal information, subject to certain legal exceptions (e.g., records we must retain for compliance purposes).

8.4 Opt-Out Rights

• Email Marketing: Click "Unsubscribe" in any marketing email
• SMS Marketing: Text "STOP" to opt out of SMS messages
• Cookies: Adjust your browser settings to refuse cookies

8.5 California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information we collect and how it's used
• Right to delete personal information
• Right to opt out of sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

To exercise any of these rights, please contact us at info@insurance4dallas.com or (972) 219-6004. We will respond to your request within 30 days.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve website performance and user experience
• Provide personalized content and advertising

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our Service.

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete such information.

11. Third-Party Websites

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read the privacy policies of any third-party sites you visit.

12. International Data Transfers

Your information may be transferred to and processed in the United States. By using our Service, you consent to the transfer of your information to the United States and its processing in accordance with this Privacy Policy and applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page with an updated "Last Updated" date. For significant changes, we may provide additional notice (such as an email notification).

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: