Privacy Policy

 Your privacy is critically important to us. This Privacy Policy outlines how we collect, use, protect, and disclose your personal information when you visit our website and use our services to request insurance quotes or information.

1. Information We Collect

When you visit our website or request our services, we may collect the following types of information:

• Personal Information: When you fill out a "Get a Quote" form, contact form, or reach out to us directly, we collect identifiable information such as your Name, Email Address, Phone Number, Date of Birth (if required for quoting), and the types of insurance coverage you are interested in (Health, Life, Dental, Vision).

• Automatically Collected Information: We may automatically collect standard log data and usage information when you visit our site, including your IP address, browser type, device type, pages visited, and the time and date of your visit. This is typically collected via cookies and analytics tools to help us improve user experience.

2. How We Use Your Information

We use the information we collect strictly for the purpose of providing you with insurance services. This includes:

• Contacting you to provide requested insurance quotes and consultations.

• Communicating with you via phone, email, or text message regarding your insurance needs.

• Assisting you with the application and enrollment process with insurance carriers.

• Responding to your questions, inquiries, and customer service requests.

• Improving our website, marketing efforts, and overall user experience.

3. SMS/Text Message Communications

By providing your phone number on our contact or quote forms, you consent to receive calls and text messages (SMS) from Ryan K Coverage regarding your insurance inquiry. Message and data rates may apply. You can opt out of receiving text messages at any time by replying "STOP" to any of our messages.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We only share your information in the following circumstances:

• With Insurance Carriers: To generate accurate quotes and assist with policy enrollment, we may share your necessary information with the insurance companies we represent.

• With Service Providers: We may share information with trusted third-party vendors who assist us in operating our website, conducting our business, or servicing you (e.g., website hosting, secure email providers, CRM software), so long as those parties agree to keep this information confidential.

• For Legal Reasons: We may disclose your information when required by law, regulation, or legal process, or to protect the rights, property, or safety of Ryan K Coverage, our clients, or others.

5. Data Security

We take the security of your personal information seriously. We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, please understand that no transmission of data over the internet is completely secure, and we cannot guarantee absolute security.

6. Use of Cookies

Our website may use "cookies" to enhance your user experience. Cookies are small files placed on your device's hard drive that help us analyze web traffic and improve our site. You can choose to accept or decline cookies through your web browser settings. Declining cookies may prevent you from taking full advantage of the website.

7. Third-Party Links

Our website may contain links to third-party websites (such as state or federal insurance marketplaces). Once you leave our site, we are not responsible for the privacy practices or content of those external sites. We encourage you to read the privacy policies of any site you visit.

8. Children’s Privacy

Our website and services are not directed at children under the age of 13. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this policy periodically to stay informed about how we are protecting your information.

10. Contact Us

If you have any questions or concerns regarding this Privacy Policy or how your data is handled, please contact us at:

Ryan K Coverage

Email: ryan@ryankcoverage.com