At Smarr Insurance, your privacy is a priority. This Privacy Policy outlines how we collect, use, share, and protect your personal information, including information related to SMS communications, in accordance with Missouri law, federal regulations, and The Campaign Registry (TCR) compliance standards.

1. Information We Collect

We may collect the following types of personal information:

• Full name

• Phone number

• Email address

• Physical or mailing address (if submitted)

• Insurance-related information you provide

• Message content (SMS or form entries)

• Interaction data with our services (e.g., SMS replies, form submissions)

We collect information when you:

• Submit a contact or quote request on our website

• Communicate with us via SMS, phone, or email

• Opt in to receive SMS/text messages

• Work with our agency for insurance services

2. Purpose of Data Collection

We use your personal information to:

• Respond to inquiries and provide quotes

• Send SMS messages such as conversational, informational, promotional, or transactional updates

• Provide insurance products and services

• Comply with legal and regulatory requirements

• Improve our customer experience

3. SMS Consent and Compliance

By opting in to receive SMS messages from Smarr Insurance, you agree to the following:

"If you consent to receive conversational, informational, promotional, and/or transactional SMS messages from Smarr Insurance, you agree to receive such messages from us.
Reply STOP to opt-out at any time.
Reply HELP for customer support.
Message and data rates may apply.
Messaging frequency may vary.
Visit this page to review our Privacy Policy and terms."

You are not required to opt-in to SMS to receive services. You may withdraw your consent at any time by replying “STOP” to any message from us.

All SMS services are conducted through registered, compliant platforms as required by The Campaign Registry (TCR) and U.S. mobile carrier policies.

4. Sharing Your Information

We do not sell or rent your personal information. We only share data with third parties when:

• Required to send SMS messages or digital communications via our service providers

• Required by law or legal process

• Necessary to deliver insurance-related services

All third parties are required to maintain the confidentiality of your information and use it only for the purposes we authorize.

5. Your Rights

You have the right to:

• Access the personal information we hold about you

• Correct or update your personal information

• Request deletion of your personal information (when permitted by law)

• Opt out of SMS messages by replying "STOP"

To exercise any of your rights, please contact us at [Your Contact Email] or call us at [Your Phone Number].

6. Data Retention Policy

We retain your personal information only as long as necessary:

• To provide services and fulfill our obligations

• To comply with Missouri Department of Insurance and legal recordkeeping requirements

• To manage SMS opt-in preferences unless you request deletion

Data is stored securely and is deleted or anonymized when no longer required.

7. Data Security

We implement industry-standard safeguards to protect your personal data, including:

• Secure servers and encryption

• Restricted access to authorized personnel

• Anti-virus and firewall protection

• Regular data backups and software updates

• Employee training on data privacy and breach protocols

If a data breach occurs, affected individuals and authorities will be notified promptly in accordance with Missouri data breach laws.

8. Updates to This Policy

This Privacy Policy may be updated periodically to reflect changes in legal requirements or business operations. The most current version will always be available on this page.

9. Contact Us

If you have questions about this policy or wish to exercise your rights, please contact us:
Smarr Insurance
(660) 747 7654
office@smarrinsurance.com