Overview

This Privacy Policy explains how our public insurance adjusting firm collects, uses, protects, and discloses personal information obtained through our website, intake forms, consultations, and related communications. We are committed to safeguarding your privacy, protecting Non-Public Personal Information (NPI), and complying with applicable federal and state laws governing insurance professionals, including the Texas Insurance Code and Texas Consumer Bill of Rights.

Submitting information to us does not create a public adjuster–client relationship unless and until a separate written Public Adjuster Services Agreement is executed as required by law.

Information We Collect

We may collect personal and claim-related information directly from you or through authorized sources, including but not limited to:

* Personal Identifiers: Name, address, phone number, email address

* Property & Claim Information: Property location, type of loss, date of loss, insurance carrier, policy details, claim numbers, estimates, photographs, and documentation

* Communications: Information you provide through contact forms, emails, phone calls, text messages, or consultations

* Website Usage Data: IP address, browser type, device information, pages visited, and other analytics data collected through cookies or similar technologies

* Third-Party Information: Information received from insurers, contractors, experts, or service providers when authorized or permitted by law

We ask that you do not submit sensitive personal information (such as Social Security numbers, financial account numbers, race, religion, health information, or unrelated confidential data) through general website contact forms.

How We Use Your Information

We use collected information for legitimate business and professional purposes, including:

* Evaluating your inquiry and determining whether public adjusting services may be appropriate

* Communicating with you regarding your claim, consultation, or services

* Assisting in the preparation, presentation, and negotiation of insurance claims (after engagement)

* Internal operations, recordkeeping, quality assurance, training, and compliance

* Website functionality, analytics, and service improvement

* Legal, regulatory, or ethical compliance obligations

We do not guarantee claim outcomes or settlements, and information use does not constitute representation unless a formal agreement is in place.

Disclosure of Information

We do not sell, rent, or trade your personal information.

Information may be disclosed only as necessary and appropriate, including:

* With your consent or at your direction

* To insurance carriers, experts, estimators, engineers, attorneys, or contractors solely to represent you after formal engagement

* To third-party service providers (such as IT, CRM, document storage, or marketing vendors) who assist us in operations and are contractually obligated to maintain confidentiality

* As required by law, regulation, court order, subpoena, or regulatory authority

* To protect our legal rights, comply with professional duties, or prevent fraud or misuse

All disclosures are limited to what is reasonably necessary for the intended purpose.

Confidentiality & Professional Responsibility

While public adjusters are not attorneys, we are licensed professionals bound by strict ethical, fiduciary, and confidentiality obligations under state insurance laws. We treat all policyholder information with a high level of care and discretion, particularly insurance-related Non-Public Personal Information (NPI).

Access to your information is restricted to authorized personnel and service providers who have a legitimate business need and are subject to confidentiality requirements.

Data Security Measures

We maintain reasonable physical, electronic, and procedural safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse. These measures may include secure servers, access controls, encryption, internal policies, and employee training.

No method of transmission or storage is 100% secure; however, we take commercially reasonable steps to protect your data.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal and regulatory requirements, resolve disputes, and enforce agreements. Retention periods may vary depending on the nature of the information and applicable laws.

Your Rights & Choices

Depending on applicable law, you may have the right to:

* Request access to personal information we hold about you

* Request corrections or updates to inaccurate information

* Request deletion of your information, subject to legal and regulatory retention requirements

* Opt out of marketing or non-essential communications at any time

To exercise your rights, please contact us using the information below.

Communications & Opt-Out

By submitting your information, you consent to be contacted by us via phone call, text message, email, or other reasonable methods regarding your inquiry or claim. You may opt out of communications at any time by notifying us directly or following opt-out instructions provided in messages.

Compliance

This Privacy Policy is designed to comply with applicable privacy, consumer protection, and insurance regulations, including the Texas Consumer Bill of Rights and relevant state and federal data protection standards. We regularly review and update our practices to maintain compliance.

Contact Information

If you have questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, please contact us directly. We are committed to transparency and protecting your information.