PRIVACY POLICY & SMS COMMUNICATION TERMS

Tobaben Insurance Group LLC

Last Updated: February 1, 2026

Tobaben Insurance Group LLC ("we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your information, describes your rights regarding that information, and outlines the terms governing our text messaging (SMS) communications.

This policy applies to customers, prospective customers, and visitors to our website, communication platforms, and services. We comply with applicable federal and state laws governing the collection, use, and protection of personal information, including the Telephone Consumer Protection Act (TCPA) and the applicable privacy and insurance laws of the states in which we operate.

We do not sell your personal information. We do not share your personal information with third parties for marketing or promotional purposes.

1. Information We Collect

We may collect the following categories of information:

Personal Information

  • Full name, mailing address, date of birth, and government-issued identification numbers as required for insurance purposes
  • Contact information including phone number, mobile number, and email address
  • Financial in information necessary to process payments or assess insurance eligibility

Insurance Information

  • Policy information, coverage details, and renewal history
  • Claims history and loss runs
  • Risk-related information necessary to provide insurance quotes and services

Technical & Website Information

  • IP address, device type, browser type, and operating system
  • Website usage data including pages visited, time spent, and referring URLs
  • Cookies and similar tracking technologies

SMS & Communication Preferences

  • Mobile phone number provided for text messaging opt-in
  • Communication preferences and opt-in/opt-out records

2. How We Collect Information

We collect information through the following methods:

  • Online forms, quote requests, and contact submissions on our website
  • Insurance applications and service transaction documents
  • Telephone conversations, email communications, and in-person meetings
  • Customer portals and service platforms used in connection with your policy
  • SMS/text message opt-in requests submitted via our website or directly to our team
  • Third-party service providers and data partners acting on our behalf
  • Cookies and automated technologies when you visit our website

3. How We Use Your Information

We use the information we collect to:

  • Provide insurance quotes, bind coverage, and service your policies
  • Process applications, endorsements, renewals, and cancellations
  • Communicate with you regarding your policies, billing, claims, and account activity
  • Send appointment reminders, policy alerts, and service notifications
  • Respond to inquiries and provide customer support
  • Comply with legal, regulatory, and licensing requirements applicable to insurance brokers in the states where we operate
  • Improve our website, operations, and customer service
  • Detect and prevent fraud or unauthorized activity

4. Data Sharing and Disclosure

We do not sell your personal information. We do not share your personal information with third parties for marketing or promotional purposes.

We may share your information in the following limited circumstances:

Insurance Carriers and Wholesalers

To obtain quotes, bind coverage, and service your policies, we share necessary information with insurance carriers, managing general agents (MGAs), and wholesale brokers. This sharing is required to fulfill our services to you.

Service Providers

We work with trusted third-party service providers who perform services on our behalf, including:

  • Communication and SMS/text messaging platforms
  • Customer relationship management (CRM) systems
  • Information technology and data hosting providers
  • Payment processors

These service providers are contractually required to maintain confidentiality, protect your information, and use it only for the purpose for which it was shared.

Legal and Regulatory Requirements

We may disclose your information when required by law, subpoena, regulatory inquiry, or to protect the rights, property, or safety of Tobaben Insurance Group LLC, our clients, or others.

Important: No mobile information, including mobile opt-in data and consent, will be shared with third parties or affiliates for marketing or promotional purposes.

5. Text Messaging (SMS) Communications

This section governs your consent to receive text message (SMS) communications from Tobaben Insurance Group LLC. These terms are incorporated into and form part of our overall Privacy Policy.

Opt-In and Consent

By providing your mobile phone number and expressly consenting to receive text messages, whether through our website contact or quote request form, a written opt-in, or verbal consent provided to a Tobaben Insurance Group representative, you agree to receive SMS communications related to your insurance services and account.

Consent to receive text messages is not required as a condition of purchasing insurance or receiving any services from Tobaben Insurance Group LLC.

Types of Messages You May Receive

Once opted in, you may receive text messages related to:

  • Policy updates, renewals, and coverage reminders
  • Billing and payment notifications
  • Claims status updates and service notifications
  • Appointment reminders and follow-up communications
  • Customer service responses and account communications

Message Frequency

Message frequency varies based on your interaction with our services and account activity. You may receive multiple messages per month depending on your policy status, upcoming renewals, or open service requests.

Message and Data Rates

Message and data rates may apply based on your mobile carrier’s plan. Tobaben Insurance Group LLC does not charge a fee for SMS communications; however, your carrier’s standard messaging and data rates apply.

Opt-Out Instructions

You may opt out of receiving text messages from us at any time by:

  • Replying STOP to any text message you receive from us
  • Contacting us directly by phone at 832-586-9700
  • Emailing us at with your opt-out request

After opting out, you will receive a single confirmation message and will no longer receive SMS communications from us unless you opt in again. Opting out of marketing or service text messages does not affect your ability to receive insurance services from our agency.

Help Instructions

For assistance with text messaging, reply HELP to any message you receive from us. You may also contact us directly at 832-586-9700 or .

SMS Platform

We use a third-party SMS/messaging platform to deliver text communications on our behalf. That platform is subject to its own terms and privacy practices. Mobile opt-in data and consent records are never shared with third parties for their own marketing or promotional purposes.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to improve functionality and analyze usage. Cookies are small data files stored on your device when you visit our website.

We use cookies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Improve website performance and user experience

You may disable cookies through your browser settings; however, doing so may limit certain website functionality. We do not use cookies to collect personally identifiable information without your knowledge.

7. Data Security

We implement reasonable and appropriate administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, destruction, or loss. These safeguards include:

  • Secure data storage and transmission protocols
  • Role-based access controls limiting data access to authorized personnel
  • Encryption of sensitive data in transit and at rest where appropriate
  • Regular monitoring and review of our data security practices

While we maintain reasonable safeguards, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your information, and we are not responsible for unauthorized access resulting from circumstances outside our reasonable control.

In the event of a data breach that may affect your rights or interests, we will notify you as required by applicable law.

8. Data Retention

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

  • Provide you with insurance services and manage your account
  • Comply with legal, regulatory, and licensing requirements applicable to insurance brokers
  • Resolve disputes and enforce our agreements
  • Maintain business records required by our errors and omissions (E&O) obligations and carrier agreements

When your information is no longer required for these purposes, we dispose of it in a secure and appropriate manner.

9. Your Rights

Depending on your state of residence and applicable law, you may have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Request deletion of your personal information where permitted by law and not required for ongoing insurance obligations
  • Withdraw consent for SMS or marketing communications at any time
  • Request information about how your data is shared or used

We are committed to honoring consumer rights under the applicable privacy and insurance laws of each state in which we operate. Your specific rights may vary based on your state of residence and applicable law.

State Privacy Rights

Depending on your state of residence, you may have additional rights under applicable state privacy or insurance laws. These may include the right to access personal information collected in connection with an insurance transaction, the right to request correction of inaccurate information, the right to receive a written explanation of an adverse underwriting decision, and where applicable, the right to obtain a portable copy of your personal data or appeal our response to a data rights request.

We are committed to honoring your rights under the laws of the states in which we operate. To submit a request or inquiry, contact us using the information in Section 12.

Federal Protections — All Residents

All Residents — Federal Protections

Regardless of state of residence, all clients and prospective clients have the following rights under applicable federal law, including the Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA):

  • The right to receive clear notice of how your nonpublic personal information is collected and shared (GLBA)
  • The right to opt out of sharing your nonpublic personal information with certain third parties (GLBA)
  • The right to dispute inaccurate information in consumer reports used in insurance decisions (FCRA)
  • The right to receive an adverse action notice if information from a consumer report contributes to an adverse underwriting decision (FCRA)

To exercise any of these rights, please contact us using the information provided in Section 12.

10. Children’s Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take appropriate steps to delete that information.

11. Changes to This Policy

We may update this Privacy Policy and SMS Communication Terms from time to time to reflect changes in our services, data practices, or applicable law. When we make changes, we will revise the “Last Updated” date at the top of this document.

Material changes will be communicated to you through our website or, where required by law, through direct notice. Continued use of our website or services following notice of changes constitutes your acceptance of the updated policy.

We encourage you to review this policy periodically to stay informed about how we protect your information.

12. Contact Information

If you have questions about this Privacy Policy, our SMS communication practices, or wish to exercise your data rights, please contact us:

Tobaben Insurance Group LLC

Phone: 832-586-9700
Email:
Website: