Privacy POLICY

Privacy Policy

SVM Insurance  |  Effective Date: June 9, 2026|  Last Updated: June 9, 2026

SVM Insurance ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website, contact us, or use our services.

1. Information We Collect

We may collect the following types of information:

• Contact information: name, address, phone number, email
• Identification information: date of birth, Social Security number, driver's license number (where required to issue insurance policies)
• Insurance-related information: policy details, claims history, vehicle information, household information, health information (for ACA enrollment)
• Payment information: billing address, payment method details
• Website usage data: IP address, browser type, pages visited, cookies
• Communications: phone calls, SMS messages, emails, and online form submissions

2. How We Collect Information

We collect information directly from you when you:

• Complete a contact, quote, or enrollment form on our website
• Call us by phone or send us an SMS
• Visit our office in person
• Sign insurance applications or service documents
• Communicate with our agents via any channel

3. How We Use Your Information

We use your information to:

• Provide insurance quotes and issue policies
• Service your policies, process payments, and handle claims
• Send transactional SMS, calls, and emails (payment reminders, document requests, renewals)
• Respond to your inquiries and customer service requests
• Comply with legal, regulatory, and licensing obligations
• Improve our services and website experience

4. SMS Messaging and Opt-In Data

We do not sell, rent, or share your mobile phone number, SMS opt-in data, or text-messaging consent information with any third parties for marketing or promotional purposes. Mobile phone numbers and SMS opt-in data are used solely to deliver the SMS services you have consented to receive.

For complete details on our SMS program, please review our SMS Terms & Conditions.

5. How We Share Information

We may share your information only with:

• Insurance carriers and underwriters to issue and service your policies
• Service providers who help us operate our business (e.g., CRM platforms, payment processors, communications providers) under strict confidentiality obligations
• Government agencies and regulators when required by law (e.g., Florida Department of Financial Services, ACA Marketplace)
• Other parties only with your explicit written consent

We do not sell your personal information to third parties.

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to improve user experience, analyze traffic, and deliver relevant content. You can control cookies through your browser settings. Disabling cookies may affect some website features.

7. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

8. Your Rights

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

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal and contractual obligations)
• Opt out of marketing communications at any time
• Opt out of SMS messages by replying STOP

To exercise any of these rights, please contact us using the information below.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe a child has provided us with personal information, please contact us so we can delete it.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated through our website or other appropriate channels.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

• SVM Insurance
• Address: 18901 SW 106th AVE, Suite 124, Miami, FL 33157
• Phone: 305.883.8333
• Email: rrojasjr@svminsurance.net
• Website: https://svminsurance.net