⚠ Important Notice Regarding Text Messaging Data
Oscar Arnold's dba Arnold Insurance, Inc. ("we," "us," or "our") DOES NOT share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.
1. Information We Collect
We collect the following types of information:
Personal Information
- Full name, email address, phone number, and mailing address
- Date of birth and driver's license information
- Vehicle information (make, model, year, VIN) and driving history
- Current insurance information and prior claims history
- Opt-in records and timestamps for all communication channels (SMS, email, etc.)
Non-Personal Information
- IP address, browser type, and device information
- Website usage patterns and analytics data
- Cookies and similar tracking technologies
- Geographic location at city/state level
Customer Communication
- Records of inquiries, quote requests, and service interactions
- Appointment details and scheduling preferences
- Policy history, renewal information, and feedback
2. How We Use Your Information
We use collected data for:
- Providing insurance quotes for auto, home, life, and renters coverage
- Processing policy applications, renewals, and changes
- Communicating with you about your policy, claims, and account
- Sending SMS/text messages for appointment reminders, policy updates, and offers you have opted in to receive
- Enhancing website functionality and user experience
- Ensuring security, fraud prevention, and regulatory compliance
- Maintaining records of your communication preferences and consent
3. SMS Messaging & Compliance
Text Message Program Terms & Conditions
By providing your phone number and opting in, you agree to receive text messages related to insurance services, quotes, policy reminders, and promotional offers from Oscar Arnold's Insurance Agency.
Opt-In & Consent
- You will only receive messages if you have explicitly opted in
- We maintain timestamped records of all opt-in actions
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
Opt-Out Instructions
- Text STOP at any time to unsubscribe from all text messages
- You will receive a final confirmation message and no further messages will be sent unless you re-opt in
- All opt-out requests are processed immediately
Message Frequency & Content
- Message frequency varies based on your interactions and requests
- Messages may include policy reminders, renewal notices, and promotional offers
- We do not send promotional content without specific consent
- Your opt-in consent is not required as a condition of any purchase
Help & Support
Carrier Information
- Standard message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most major US carriers
SMS Data Protection Statement
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records at all times.
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Service Providers
- Third-party vendors who assist in our operations (e.g., CRM platforms, payment processing, appointment scheduling)
- SMS aggregators and providers solely for the purpose of delivering messages you have consented to receive
- All service providers are contractually obligated to maintain confidentiality and security
Legal Compliance
- When required by law, legal process, subpoena, or court order
- To protect our rights, property, or the safety of our clients, staff, or the public
Business Transfers
- In connection with a merger, acquisition, or sale of assets
- Your data remains protected under the terms of this policy in any such event
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information:
- SSL encryption for all data transmitted through our website
- Secure access controls and authentication mechanisms
- Regular security assessments and system updates
- Restricted employee access on a need-to-know basis
- Breach notification protocols in accordance with applicable laws
- Physical security measures at our Goodyear, AZ office location
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Analyze site traffic and user behavior
- Remember your preferences and improve functionality
- Measure the effectiveness of our marketing campaigns
- Deliver relevant advertisements to you on third-party platforms
You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website. By continuing to use our site, you consent to our use of cookies as described in this policy.
7. Your Rights & Choices
You have the right to:
- Access, update, or request deletion of your personal information
- Opt out of marketing emails by clicking "unsubscribe" in any of our emails
- Opt out of SMS messages at any time by replying STOP
- Request information on how we process and store your data
- Withdraw consent at any time for future communications
- Request a portable copy of your personal data where applicable
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
To exercise any of these rights, please contact us using the information provided in Section 10 below.
8. Third-Party Links
Our website may contain links to third-party websites, including insurance carriers, payment processors, and other resources. We are not responsible for the privacy practices of those websites and encourage you to review their respective policies. This Privacy Policy applies solely to information collected by Oscar Arnold's Insurance Agency.
9. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. The most current version will always be posted on this page with the effective date noted at the top. For significant changes, we will notify you by email or through a prominent notice on our website prior to the change taking effect. Your continued use of our services after any update constitutes your acceptance of the revised policy.
10. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or how your information is handled, please contact us:
By using our website and services, you consent to this Privacy Policy.