Privacy Policy

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

By using our Site, you consent to the practices described in this Privacy Policy.

Information You Provide Directly:

• Name, address, phone number, and email address
• Date of birth and Social Security Number (when required for insurance applications)
• Business information for commercial insurance applicants
• Insurance policy details and claims history
• Payment and financial information

Information Collected Automatically:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookie and tracking technology data

We use the information we collect to:

• Process insurance applications and service existing policies
• Communicate with you about your coverage, renewals, and claims
• Comply with legal and regulatory obligations
• Improve our website and services
• Send marketing communications (with your consent where required)
• Prevent fraud and ensure the security of our services

We may share your personal information with:

• Insurance carriers and underwriters to obtain quotes and issue policies
• Service providers who assist us in operating our business (subject to confidentiality obligations)
• Regulatory and government authorities as required by law
• Successor entities in the event of a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for their own marketing purposes.

SMS Opt-In and Consent: By providing your mobile phone number and opting in, you consent to receive SMS/text messages from TBF Insurance Group, LLC ("TBFInsure," "we," or "us") at the number you provided. These messages may include policy information, account servicing, appointment reminders, claims updates, renewal notices, and other operational communications related to your insurance coverage.

Information We Collect: When you opt in to SMS communications, we collect your mobile phone number, opt-in confirmation, and the content of any messages you send us. This information is used solely to deliver and manage the SMS service.

No Sale, Transfer, or Sharing of SMS Opt-In Information: We do not sell, transfer, or share your SMS opt-in information or phone number with third parties for their marketing purposes. Your SMS opt-in information is used exclusively by TBFInsure and our SMS service provider (see below) to deliver the messages you have requested, and is not disclosed to any third party for that third party's own marketing or promotional use.

SMS Service Provider: We use Twilio Inc. as our third-party service provider to facilitate the delivery of SMS messages on our behalf. Twilio processes your mobile number and message content solely to transmit the SMS communications you have requested and is contractually bound to protect your information in accordance with applicable privacy laws. Twilio does not use your SMS opt-in information for its own marketing purposes.

Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message we send. After opting out, you may no longer receive SMS communications from us (though you may continue to receive communications through other channels, such as email, unless you opt out of those separately). For help or support, reply HELP at any time.

Message and Data Rates: Standard message and data rates may apply to messages we send, depending on your mobile carrier and plan. You are responsible for any such charges imposed by your carrier.

Carrier Variability: SMS delivery is not guaranteed and may be affected by carrier filters, network availability, or other factors outside our control.

As an insurance agency, we are subject to the Gramm-Leach-Bliley Act. We collect nonpublic personal information from you in the ordinary course of providing insurance services. We restrict access to your nonpublic personal information to those employees and service providers who need to know that information in order to provide products and services to you. We maintain physical, electronic, and procedural safeguards to protect your information.

Florida residents may have additional rights under Florida law, including the Florida Information Protection Act (FIPA). If you are a Florida resident and wish to exercise any applicable rights, please contact us using the information below.

We use cookies and similar tracking technologies to enhance your experience on our Site. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our Site may not function properly without cookies.

We implement commercially reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page with an updated effective date. Your continued use of the Site following any changes constitutes your acceptance of the updated policy.

For questions, concerns, or to exercise any applicable privacy rights, please contact our Privacy Officer at:

TBF Insurance Group, LLC
1289 Clint Moore Road, Boca Raton, FL 33487
Phone: 954-510-5555
Email: privacy@tbfinsure.com