Privacy Policy

Last Updated: Oct 24, 2024

Welcome to ShandaColvinAgency.com (the “Website”). At Shanda Colvin Agency, we are committed to protecting your privacy and ensuring your personal information is handled safely, responsibly, and transparently. This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your personal data.

1. Scope

This Privacy Policy applies to all visitors and users of ShandaColvinAgency.com and any related communications, including email, SMS/MMS, or phone correspondence. It governs the collection, use, and protection of your information when you interact with our Website or request insurance quotes and related services.

By using our Website or services, you agree to the terms outlined in this Privacy Policy.

2. Information We Collect

We collect information that helps us provide accurate insurance quotes, respond to inquiries, and improve your experience. The types of information we may collect include:

• Personal Information: Name, address, email, and phone number.

• Insurance Details: Information about your home, vehicles, or business necessary for preparing insurance quotes.

• Billing Information: Only when applicable, such as when you make a payment through approved and secure channels.

• Usage Information: IP address, browser type, and general site activity to help us improve our Website performance and user experience.

We do not sell, trade, or rent your personal information to any third party.

3. How We Use Your Information

Your information is used only for legitimate business purposes, including:

• Preparing and providing accurate home, auto, life, and commercial insurance quotes.

• Communicating with you about your quotes, coverage options, or policy needs.

• Sending helpful updates, offers, or reminders — only if you’ve opted in to receive them.

• Improving our Website, customer service, and user experience.

• Complying with applicable laws and regulatory requirements.

If you provide your phone number, it may be used for follow-up calls or text messages related to your quote or coverage inquiry. You can opt out of these communications at any time.

4. Consent

By submitting your information on our Website or through communication with our agency, you consent to our collection and use of your information as described in this policy. You may withdraw your consent at any time by contacting us directly.

We do not share your personal data with multiple companies or third-party marketing lists. Your information is used only by our local team at Shanda Colvin Agency to prepare your requested quote.

5. Data Protection and Security

We use appropriate technical and organizational measures to safeguard your personal data from unauthorized access, loss, misuse, or disclosure. Any sensitive information you submit through our Website (such as payment details or personal data) is transmitted securely.

6. Sharing Your Information

We only share your information in limited circumstances, such as:

• When required by law or regulation.

• With trusted partners (such as Farmers Insurance systems) strictly for quote generation or policy servicing purposes.

• To protect our rights, customers, or operations if legally necessary.

We do not sell or distribute your data for advertising purposes.

7. Your Rights and Choices

You have the right to:

• Access and review the personal data we hold about you.

• Request corrections or updates to inaccurate information.

• Withdraw your consent to marketing communications at any time.

To exercise any of these rights, please contact us at the details below.

8. Cookies and Tracking Technologies

Our Website may use cookies or analytics tools to improve performance and enhance your experience. These cookies do not collect personal information unless you voluntarily provide it.

You can disable cookies through your browser settings if you prefer.

9. Updates to This Policy

We may update this Privacy Policy from time to time to reflect new legal requirements or business practices. Updates will be posted on this page with the revised effective date.

SMS/MMS Messaging Policy

Shanda Colvin Agency takes compliance with all SMS/MMS messaging regulations and industry best practices seriously. We are committed to ensuring that all communications conducted via text message align with legal requirements, including those set forth by the Telephone Consumer Protection Act (TCPA), the Cellular Telecommunications Industry Association (CTIA), and RingCentral’s Terms of Service and Acceptable Use Policy.

1. Compliance and Use of Messaging Services

Our use of SMS/MMS messaging is strictly governed by RingCentral’s Terms of Service and Acceptable Use Policy. All text message communications are designed to enhance the customer experience, provide timely information, and maintain transparency — never to send spam or unauthorized promotional content. We actively monitor our compliance with carrier and regulatory guidelines.

2. Message Limitations

To maintain the quality and integrity of our messaging, we adhere to carrier-approved limitations:

• Up to 50 messages per minute per originating number for standard use

• Up to 60 messages per minute for long-code numbers

• Up to 180 messages per minute for toll-free numbers under High Volume SMS

These limitations help ensure that our messages are compliant and maintain high deliverability.

3. Consent and Opt-In Requirements

We only send marketing, promotional, or informational messages to individuals who have provided explicit written consent.

• Consent Documentation: We record and maintain all opt-in consents in compliance with TCPA and CTIA standards.

• Double Opt-In: When possible, we use a double opt-in process to verify the accuracy of consent and ensure the recipient truly wishes to receive messages.

• Confidentiality: Phone numbers provided for SMS opt-in will remain confidential and are never shared with third parties.

4. Automated Messaging

Automated text messages (e.g., quote confirmations or appointment reminders) are only sent after obtaining express and logged consent from the recipient.

• Opt-Out Instructions: Every automated message includes clear instructions such as “Reply STOP to end.”

• Immediate Processing: All opt-out requests are processed promptly to ensure no further messages are sent after unsubscribing.

5. Opt-Out Procedures

Recipients may opt out of receiving messages at any time by replying with recognized keywords such as “STOP” or “UNSUBSCRIBE.”
Both automated and manual systems are in place to ensure all opt-out requests are honored immediately and across all communication channels.

6. Prohibited Campaigns and Content

Shanda Colvin Agency strictly prohibits the use of our messaging systems for any of the following content types:

• Loan or mortgage advertisements

• Credit repair or debt relief offers

• Debt collection attempts

• “Work from home” or secret shopper promotions

• Political or campaign messages

• Alcohol, tobacco, or firearm advertisements

• Pharmaceutical or supplement advertisements

• Pornographic, violent, or hate-related content

• Any illegal, fraudulent, or misleading messaging

Violations of these restrictions may result in immediate account suspension or termination.

7. Compliance and Enforcement

We actively monitor our messaging practices for compliance with carrier and regulatory policies.
Non-compliance may result in:

• Reduced message deliverability

• Carrier-imposed fines or penalties

• Suspension or termination of messaging privileges

We remain committed to transparency and accountability in all communications.

Information Storage and Security

Shanda Colvin Agency safeguards the integrity and confidentiality of your personal information through a combination of physical, electronic, and managerial security measures.

1. Data Security

• Encryption: All personal data is encrypted in transit (TLS) and at rest (AES-256).

• Access Controls: Access to personal data is strictly limited to authorized personnel on a need-to-know basis.

• Regular Audits: Security audits and vulnerability testing are conducted routinely to ensure continued protection.

• Employee Training: Team members receive ongoing training in data protection and privacy compliance.

2. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law.
When data is no longer needed, it is securely deleted using industry-standard methods such as data wiping or anonymization.

Data Sharing and Disclosure

We do not sell or share your personal information, including phone numbers provided for SMS opt-in, with third parties.
However, in limited circumstances, we may disclose information to comply with legal requirements or protect our rights and users’ safety.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality, analyze site usage, and personalize content.
You may adjust your browser settings to disable cookies, though doing so may affect certain features of the website.

Your Rights and Choices

You have the right to access, correct, or delete your personal information, as well as opt in or out of communications.
To exercise your rights or submit a privacy-related inquiry, please contact us using the information below.

Contact Information

If you have any questions about our Privacy Policy, data practices, or messaging compliance, please contact:

Shanda Colvin Agency
📍 Lubbock, Texas
📧 Email: scolvin@farmersagent.com
📞 Phone: (806) 810-5550
🌐 www.ShandaColvinAgency.com