Privacy Policy & SMS Terms

1. Information We Collect

We may collect information you voluntarily provide, including:

• Name
• Email address
• Telephone or mobile number
• State of residence
• Age or age range
• Insurance interests
• Desired coverage information
• Preferred contact time
• Information included in messages or consultation requests
• Other information you choose to provide

When you begin an insurance application with an insurance carrier or third-party platform, additional information may be collected directly by that provider under its own privacy practices.

We may also automatically collect limited technical information concerning website usage, including browser type, device information, IP address, referring pages, and website interactions.

2. How We Use Your Information

We may use information we collect to:

• Respond to insurance inquiries.
• Provide information concerning insurance products and services.
• Help schedule consultations.
• Communicate regarding requested insurance information.
• Assist with insurance applications and servicing when appropriate.
• Follow up regarding incomplete inquiries or applications.
• Improve our website and customer experience.
• Maintain business, compliance, and security records.
• Comply with legal and regulatory obligations.

3. Telephone and SMS Consent

If you voluntarily provide a telephone or mobile number and provide the required consent, you authorize Prime Risk Group LLC and its authorized service providers to contact you regarding your insurance inquiry, requested consultation, insurance products, and related services.

Communications may include telephone calls, text messages, and emails and may, where permitted and properly consented to, use automated technology.

Consent to receive marketing communications is not a condition of purchasing insurance or any other product or service.

4. SMS/Text Messaging Terms

• Message frequency: Message frequency varies based on your interactions and requests.
• Message and data rates: Message and data rates may apply.
• Opt-out: You may stop SMS messages at any time by replying STOP.
• Help: Reply HELP for assistance or contact us at info@primeriskgroup.com.
• Carrier liability: Wireless carriers are not responsible for delayed or undelivered messages.

5. Mobile Information and SMS Consent Data

Prime Risk Group LLC does not sell or rent your mobile telephone number or SMS opt-in information to unaffiliated third parties for their marketing or promotional purposes.

No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be shared with service providers that perform functions on our behalf—such as communications, appointment scheduling, customer service, CRM systems, or technology services—only as reasonably necessary to provide those services.

Text-message originator opt-in data and consent will not be shared with third parties for their independent marketing or promotional purposes.

6. Service Providers and Insurance Partners

We may disclose information to trusted service providers, insurance carriers, insurance agencies, technology platforms, underwriting providers, and other entities as reasonably necessary to:

• Respond to your request.
• Evaluate insurance options.
• Process or assist with an insurance application.
• Provide customer support.
• Operate our website and communications systems.
• Fulfill legal or regulatory requirements.

These organizations may maintain their own privacy policies and practices.

7. Legal Disclosure

We may disclose information when reasonably necessary to:

• Comply with law, regulation, subpoena, court order, or governmental request.
• Protect our legal rights.
• Prevent fraud or misuse.
• Protect the safety or security of consumers, our business, or others.

8. Data Retention

We retain personal information only for as long as reasonably necessary to accomplish the purposes for which it was collected, satisfy applicable legal or regulatory requirements, maintain appropriate business records, or resolve disputes.

9. Information Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, misuse, loss, or destruction.

No internet transmission or storage system can be guaranteed to be completely secure.

10. Your Choices and Rights

Depending on applicable law, you may request:

• Access to personal information maintained about you.
• Correction of inaccurate information.
• Updating of your contact information.
• Removal from marketing communications.
• Withdrawal of SMS consent.

To make a privacy request, contact info@primeriskgroup.com.

You may also unsubscribe from SMS communications by replying STOP.

11. Third-Party Websites

Our website may link to third-party websites, insurance carriers, or application platforms.

Prime Risk Group LLC is not responsible for the privacy practices of third-party websites. We encourage consumers to review the privacy policies of any third-party website they visit.

12. Children's Privacy

This website is not directed toward children under 13, and we do not knowingly collect personal information from children under 13 through this website.

13. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, the revised policy will be posted on this page with an updated effective date.

14. Contact Us

If you have questions about this Privacy Policy, SMS Terms, or our privacy practices, contact:

Prime Risk Group LLC
Email: info@primeriskgroup.com