John Silverstein Insurance Agency ("Agency," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or interact with us, including when you submit a quote request or provide consent to receive communications from us.
Please read this policy carefully. By using our website or submitting your information, you agree to the practices described here.
1. Information We Collect
We collect information you provide directly to us and information collected automatically when you use our website.
Information You Provide
When you submit a quote request form, you may provide:
| Category | Examples | Why Collected |
|---|---|---|
| Contact Information | First name, last name, email address, phone number | To respond to your inquiry and deliver the services you requested |
| Location Information | City, zip code | To provide accurate coverage options for your area |
| Coverage Preferences | Type of insurance you're interested in | To tailor our quote and follow-up to your needs |
| Communication Consent Records | Whether you consented to SMS, AI voice calls, or email, and the date/time of consent | To comply with TCPA, A2P 10DLC, and CAN-SPAM regulations and to honor your preferences |
Information Collected Automatically
When you visit our website, we may automatically collect basic technical information such as your browser type, operating system, pages viewed, and the referring URL. This information is used solely to understand how visitors use our site and to improve its performance. We do not use tracking pixels, third-party advertising cookies, or behavioral advertising tools.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your insurance quote request and follow up with coverage options
- To contact you by phone, text message (SMS/MMS), AI-generated voice call, or email, based on the consent you have provided
- To schedule and confirm appointments
- To provide policy-related information, updates, and reminders
- To comply with legal obligations, including maintaining records of your communication consent as required by the TCPA and A2P 10DLC regulations
- To improve our website and services
We do not use your personal information for automated decision-making or profiling in ways that produce legal or similarly significant effects.
3. SMS and Voice Communication Data
Key commitment: No mobile information you share with us will be sold to or shared with third parties or affiliates for their marketing or promotional purposes.
If you provide express written consent to receive text messages (SMS/MMS) and AI-generated or pre-recorded voice calls, we will use your phone number exclusively to deliver insurance-related communications on behalf of John Silverstein Insurance Agency. Specifically:
- Your phone number will not be sold, rented, or transferred to any third party for their independent marketing use.
- Your SMS consent record, including the date, time, and method of consent, will be retained to demonstrate compliance with the TCPA and A2P 10DLC carrier requirements.
- If you reply STOP to any text message, your number will be immediately added to our internal opt-out list and no further marketing texts will be sent.
- Opt-out records are retained indefinitely to ensure compliance and prevent accidental re-enrollment.
- All outbound SMS messages are sent through a registered A2P 10DLC campaign. Message frequency may vary. Message and data rates may apply.
AI Voice Calls
If you have consented to AI-generated or pre-recorded voice calls, such calls will be used only for insurance-related purposes including delivering quote summaries, appointment reminders, and follow-up communications. You may opt out of voice calls at any time by requesting removal during a call or by contacting us at (970) 416-5889.
4. Email Communications
If you consent to receive email communications, we will use your email address to send insurance information, quotes, and periodic newsletters. All marketing emails will comply with the CAN-SPAM Act and will include a clear, functional unsubscribe mechanism. We will process all opt-out requests within 10 business days.
Your email address will not be shared with or sold to third parties for their marketing purposes.
5. How We Share Your Information
We do not sell your personal information. We share your information only in the following limited circumstances:
Insurance Carriers and Underwriters
To obtain an insurance quote or bind a policy, we may share your information with licensed insurance carriers and underwriters. These companies are required to handle your information in accordance with applicable privacy laws.
Service Providers
We may share your information with trusted third-party service providers who assist us in operating our website or delivering communications (for example, SMS platform providers). These providers are contractually obligated to use your information only to perform services on our behalf and may not use it for their own marketing purposes.
Legal Requirements
We may disclose your information if required to do so by law, court order, or government regulation, or if we believe in good faith that such disclosure is necessary to protect our rights or the safety of others.
Business Transfers
If our agency is acquired by or merged with another entity, your information may be transferred as part of that transaction. We will notify you before your information is transferred and becomes subject to a different privacy policy.
We will never: Sell your personal information to data brokers, share your phone number or email with third parties for their own marketing use, or use your information for purposes unrelated to insurance services.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy or as required by law. Specifically:
- Quote request data: Retained for up to 3 years, or longer if a policy is issued, to comply with insurance recordkeeping requirements.
- SMS and voice consent records: Retained indefinitely to demonstrate compliance with TCPA and A2P 10DLC regulations. Opt-out records are retained permanently.
- Email consent and opt-out records: Retained indefinitely to comply with CAN-SPAM requirements.
- Active policy data: Retained for the life of the policy plus any applicable statutory period thereafter.
When information is no longer needed and retention is not required by law, we will securely delete or anonymize it.
7. Your Rights and Choices
You have the following rights with respect to your personal information:
Right to Opt Out of SMS Messages
Reply STOP to any text message we send at any time. You will receive one final confirmation and will receive no further texts.
Right to Opt Out of Voice Calls
Contact us at (970) 416-5889 or request removal during any call you receive from us.
Right to Opt Out of Email
Click the unsubscribe link in any email we send, or contact us directly. We will process your request within 10 business days.
Right to Access and Correct Your Information
You may request a copy of the personal information we hold about you or ask us to correct inaccurate information by contacting us at the address below.
Right to Request Deletion
You may request that we delete your personal information. We will honor such requests to the extent permitted by law. Note that we may be required to retain certain records (such as consent records and policy documents) regardless of a deletion request.
To exercise any of these rights, contact us using the information in Section 12 below. We will respond within 30 days.
8. Colorado Residents
Colorado residents have additional rights under the Colorado Privacy Act (CPA). In addition to the rights described in Section 7, Colorado residents may:
- Opt out of the processing of personal data for the purposes of targeted advertising or profiling
- Appeal a denial of a privacy rights request by contacting us within 30 days of our response
- Lodge a complaint with the Colorado Attorney General's office if they believe their rights have been violated
We do not engage in targeted advertising, the sale of personal data, or profiling as those terms are defined under the CPA. We do not process the personal data of known minors.
9. Security
We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.
If you believe your information has been compromised, please contact us immediately at (970) 416-5889.
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 children. If we become aware that we have inadvertently collected information from a child under 18, we will delete it promptly. If you believe we have collected information from a minor, please contact us immediately.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or A2P 10DLC carrier requirements. The "Last updated" date at the top of this page reflects the most recent revision. We encourage you to review this policy periodically. If we make material changes, we will make reasonable efforts to notify you, which may include posting a notice on our website.
12. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to update your communication preferences, please contact us:
John Silverstein Insurance Agency
2625 Redwing Dr, Ste 170, Fort Collins, CO 80526
Phone: (970) 416-5889
Hours: Monday – Friday, 8:00am – 5:00pm MT
See also: Terms & Conditions