Privacy, Security & Legal
Our Privacy Commitment to Our Customers,
At Roberts & Associates, we understand that the privacy of your personal information matters. As part of providing insurance products and services, we may collect certain nonpublic personal and financial information needed to quote, place, service, and maintain your coverage. We are committed to handling that information responsibly, protecting it with care, and using it only as permitted by law and as necessary to serve you. This notice explains the types of information we may collect, how we use it, when it may be shared, and the steps we take to safeguard it.
Information We May Collect:
In the course of doing business, we may collect nonpublic personal information about you, including: Identifying information such as your name, address, telephone number, email address, date of birth, driver’s license number, and Social Security number. Insurance-related information such as policy types, coverage selections, limits, premiums, payment history, claims history, underwriting details, and prior insurance information. Consumer report information such as credit-based insurance information, claim history, motor vehicle reports, loss history, or other background information used in underwriting or servicing your policy. Health or medical information when relevant to a product or service and only as permitted or authorized by law.
How We Collect Information:
We may collect information about you from a variety of sources, including: Applications, quote requests, claim forms, and other forms you complete. Conversations, interviews, emails, text messages, phone calls, and other communications with you. Transactions between you and Roberts & Associates. Insurance carriers, agencies, agents, adjusters, administrators, and service providers. Consumer reporting agencies and other third-party data providers. Public records and other sources permitted by law.
Why We Collect This Information:
We collect and use this information to help us conduct normal insurance business operations, including: Quoting, underwriting, placing, and issuing insurance coverage. Reviewing eligibility and insurability. Servicing and maintaining policies. Processing payments and billing. Handling claims and assisting with claims-related matters. Communicating with you about your insurance needs, policy updates, or service requests. Complying with legal, regulatory, and contractual obligations. Detecting and preventing fraud, misrepresentation, unauthorized transactions, or other misuse. This information helps us determine the products and services that may best fit your needs and allows us to carry out our responsibilities related to your policies and requested services.
When We May Share Information:
We do not sell your personal information. We may disclose nonpublic personal information about current or former customers as permitted by law and when necessary to provide insurance-related services. This may include sharing information with: Insurance carriers, wholesalers, brokers, and program administrators. Our employees, producers, and authorized representatives. Claims adjusters, investigators, inspectors, and appraisers. Service providers who assist with quoting, underwriting, billing, claims, document processing, website support, communications, or technology services. Consumer reporting agencies and verification providers. Attorneys, accountants, auditors, and professional advisors. Reinsurers and entities involved in policy administration. Government agencies, regulators, law enforcement, or other parties when required or permitted by law. Any disclosure of information is limited to what is reasonably necessary for business, compliance, service, or legal purposes. Health Information If health or medical information is collected in connection with a policy, claim, or related service, that information is handled with additional care. We do not disclose health information to nonaffiliated third parties except as permitted or required by law, or as authorized by you when necessary. If medical records or related information are needed, they are typically obtained only through appropriate authorizations, releases, or legal procedures.
Information Sharing with Business Partners:
In some cases, we may work with third parties that help us provide insurance or related financial services. When that occurs, information may be shared as needed to support quoting, underwriting, policy servicing, claims handling, or other insurance related activities. Any service providers or partners handling nonpublic personal information on our behalf are expected to maintain confidentiality and use the information only for appropriate business purposes consistent with applicable law.
How We Protect Your Information:
We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information and keep it secure. These safeguards are intended to comply with applicable state and federal standards. We limit access to personal information to employees, representatives, and service providers who need that information to perform their job duties or provide services related to your insurance needs. We also review and monitor our procedures and systems on an ongoing basis in an effort to protect against unauthorized access, misuse, or disclosure.
Website Privacy:
When you visit our website, we may automatically collect limited technical information such as: The date and time of your visit. The pages you access. Your browser type and device type. General website usage information collected through standard analytics tools This information helps us improve website performance, functionality, and user experience. It does not typically identify you personally unless you voluntarily submit information through a contact form, quote form, email, or other direct communication. If you choose to contact us through our website, by email, or through an online form, we may collect the information you provide, including your name, contact details, and any information you choose to include in your message. That information is used internally to respond to your request, assist with your insurance needs, or provide services you have requested.
Email, Phone, Text, and Fax Communications:
By providing your email address, phone number, mobile number, fax number, or other contact information to Roberts & Associates, you consent to receive communications from us related to your inquiry, policy, service needs, and, where permitted by law, marketing or informational communications. These communications may include phone calls, emails, text messages, and faxes, including messages delivered using automated technology or prerecorded messages where allowed by law. Your consent to receive these communications is not required as a condition of purchasing insurance or using our services. You may request to opt out of marketing communications at any time by contacting our office using the information listed below. Standard message and data rates may apply to text communications depending on your wireless carrier and plan.
Third-Party Websites and Links:
Our website may contain links to third-party websites, including insurance carriers, service providers, and other external resources. Roberts & Associates is not responsible for the privacy, security, or content practices of those outside websites. We encourage you to review their privacy policies before submitting information to them.
Former Customers:
Our privacy practices apply to both current and former customers. We do not disclose nonpublic personal information about current or former customers except as permitted by law and as described in this notice.
Changes to This Notice:
We may update this Privacy Policy from time to time to reflect changes in our business practices, website functionality, legal requirements, or service offerings. Any updates will be posted on this page with a revised effective date.
Contact Us:
If you have questions about this Privacy Policy, our privacy practices, or the information we collect and maintain, please contact us:
Roberts & Associates
P.O. Box 72
Fayetteville, TX 78940 979-378-2221
fred@fredaroberts.com
www.robertsandassociatesedu.com
