1. Scope
This policy applies to the RIA INSURANCE GROUP, INC. website, online forms, and communications related to our insurance services. Third-party sites, platforms, and forms may have their own policies.
2. Information we may collect
- Contact information such as name, address, phone number, and email.
- Information needed for applications, quotes, policies, eligibility, or customer service.
- Documents or financial, income, insurance, or health information provided for a specific transaction.
- Communications sent through forms, email, calls, text messages, or other channels.
- Technical data such as IP address, browser, device, visited pages, and security logs.
3. How we use information
- Respond to inquiries and provide requested services.
- Prepare quotes, applications, enrollments, renewals, or authorized changes.
- Communicate about transactions, products, or services with required consent.
- Meet legal, regulatory, contractual, and record-retention obligations.
- Prevent fraud and maintain site security and operation.
4. How we may share information
We may share information with insurers, insurance marketplaces, electronic-signature, form, storage, and communications providers, and other vendors supporting the requested service. We may also disclose information when required by law, a competent authority, or protection of rights and safety.
We do not sell personal information for money. External providers process information according to their roles, contracts, and applicable policies.
5. Sensitive and health information
Use only designated forms to send sensitive documents. Do not send identification numbers, medical information, or financial information through general forms or unsolicited channels.
Health information is protected according to applicable laws and obligations. This statement does not mean every agency activity is subject to HIPAA.
6. Cookies and similar technologies
The site and its providers may use strictly necessary cookies, technical logs, and similar technologies to operate, protect, and measure the site. When nonessential technologies require consent, appropriate controls will be provided. You may also manage cookies in your browser.
7. Email, calls, and text messages
When you provide contact details and applicable consent, we may communicate about your request or our services by email, call, or text. Consent is not a condition of purchasing insurance. Frequency varies and message and data rates may apply. Reply STOP to opt out of texts or HELP for help.
We do not sell or share collected mobile numbers or text-message opt-in and consent data with third parties or affiliates for marketing or promotional purposes. SMS subscription and consent information is not transferred to third parties.
8. Retention and security
We retain information as needed to provide services and meet legal, regulatory, and contractual obligations. We use reasonable administrative, technical, and physical measures; however, no system or Internet transmission can guarantee absolute security.
9. Your choices and rights
Depending on residence and applicable law, you may request access, correction, or deletion of certain information, withdraw consent, or limit certain communications. Requests may be subject to identity verification, legal exceptions, and retention obligations.
10. Children
This site is not directed to children under 13, and we do not intentionally seek to collect their personal information through the public site.
11. Changes and contact
We may update this policy to reflect changes in services, providers, or applicable requirements. The current version and update date will be posted on this page.