Neighbors Insurance Agency Privacy Policy
Last Updated: 05-02-2026
Overview
This Privacy Policy describes how Neighbors Insurance Agency (“we,” “us,” or “our”) collects, uses, and protects your information when you use our website at https://neighborsinsurance.usor engage with our services.
SMS/Text Messaging Privacy
IMPORTANT: Mobile Opt-In Data Protection
Neighbors Insurance Agency is committed to protecting your mobile phone information.
We do NOT share mobile opt-in data with third parties under any circumstances.
- No mobile opt-in data will be shared with third parties
- SMS consent is NOT shared with third parties or affiliates for marketing purposes
- We do NOT sell or rent your phone number
- Information obtained as part of the SMS consent process will NOT be shared with third parties or affiliates for marketing purposes
- Your text message preferences remain confidential and private
Information Collection: Neighbors Insurance Agency collects and stores the phone numbers of individuals who opt in to receive SMS messages. Additional information such as message history, delivery status, opt-in timestamp, and interaction data may also be recorded for service improvement and compliance purposes.
Use of Information: Your mobile phone number is used solely to send SMS messages that you have consented to receive from Neighbors Insurance Agency. We do not sell, share, rent, or distribute your mobile opt-in information to any third parties or affiliates.
What Messages You’ll Receive: If you opt in to SMS communications, you may receive:
- Policy renewal reminders and notifications
- Payment reminders and billing updates
- Claims status updates
- Coverage change confirmations
- Quote information and follow-ups
- Discount opportunities and special offers
- Insurance product updates
- Customer service responses
- General account notifications
Example SMS Messages:
Account Notification Example: Good morning Sarah, this is Neighbors Insurance Agency. We are reaching out about an account notification regarding your policy renewal coming up next month. Please contact us to review your coverage options. Reply STOP to opt out of SMS messaging.
Customer Care Example: Hi Sarah, this is Neighbors Insurance Agency. We wanted to check in to see if you have any questions about your current coverage or if there have been any changes in your insurance needs. Is there anything we can help address? Reply STOP to opt out of SMS messaging.
Marketing Example: Hi Sarah, this is Neighbors Insurance Agency. Thank you for trusting us with your insurance needs! We wanted to let you know about new multi-policy discount opportunities that may help you save on your coverage. Would you like more information? Reply STOP to opt out of SMS messaging.
Service Provider Exception: We may share minimal technical data with our SMS platform provider solely to deliver text messages to you. These service providers are contractually obligated to protect your data and are prohibited from using your information for any other purpose. This is the ONLY exception to our no-sharing policy.
Your SMS Privacy Rights:
- Opt out at any time by texting STOP to any message
- Your opt-out request will be honored immediately
- Text HELP for assistance or contact us directly
- Text START to opt back in after opting out
- Request deletion of your SMS data at any time
Message Frequency and Costs:
- Message frequency varies based on your policy activity and account needs
- Typically 2-8 messages per month for active policyholders
- Message frequency: Up to 1,000 messages daily company-wide
- Message and data rates may apply based on your mobile carrier plan
- We do not charge for messages, but your carrier may
SMS Opt-Out Instructions:
- Text STOP to any message to opt out
- Text START to opt back in
- Text HELP for assistance
- Visit our Privacy Policy and SMS Terms and Conditions online
- Contact us directly at [phone number] or [email address]
Information We Collect
Personal Information: When you interact with our website or services, we may collect:
- Name and contact information (address, phone number, email)
- Policy information and coverage details
- Payment and billing information
- Claims history and documentation
- Driver’s license or state ID information
- Vehicle information (for auto insurance)
- Property information (for home insurance)
- Health information (for life/health insurance, as permitted by law)
Website Usage Data:
- IP address and browser user agent string
- Pages visited and actions taken on our website
- Cookies and similar tracking technologies
- Comments and content you post on our site
- Images you upload (we recommend avoiding images with embedded location data/EXIF GPS)
Communication Records:
- SMS/text message content and metadata (date/time, delivery status, opt-in timestamp, opt-out requests)
- Email correspondence
- Phone call records
- Form submissions and quote requests
How We Use Your Information
We use your information to:
- Provide insurance quotes and policy information
- Process insurance applications and policy changes
- Handle claims and customer service requests
- Send policy reminders, renewals, and important updates
- Process payments and billing
- Communicate about discounts and coverage options
- Improve our website and services
- Comply with legal and regulatory requirements
- Prevent fraud and unauthorized access
- Respond to your inquiries and support requests
Comments on Our Website
When visitors leave comments on our site, we collect:
- The data shown in the comments form
- The visitor’s IP address and browser user agent string (for spam detection)
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/
After approval of your comment, your profile picture is visible to the public in the context of your comment.
Cookies and Tracking Technologies
Types of Cookies We Use:
Comment Cookies: If you leave a comment on our site, you may opt-in to saving your name, email address, and website in cookies for your convenience. These cookies last for one year.
Login Cookies:
- Temporary cookie to determine if your browser accepts cookies (discarded when you close your browser)
- Login information cookies (last for two days)
- Screen display choice cookies (last for one year)
- “Remember Me” login cookies (last for two weeks)
- Article editing cookies (expire after 1 day)
Analytics and Functional Cookies: We use cookies to:
- Remember your preferences
- Understand how visitors use our site
- Improve website functionality and performance
- Analyze traffic and user behavior
Your Cookie Choices: You can control cookies through your browser settings. Note that disabling cookies may limit certain website features.
Embedded Content from Other Websites
Articles on this site may include embedded content (e.g., videos, images, articles). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
We are not responsible for the privacy practices of these third-party websites.
Who We Share Your Data With
General Data Sharing:
We may share your information in limited circumstances:
Insurance Companies and Underwriters: To provide you with insurance quotes and coverage, we share relevant information with insurance carriers and underwriters.
Service Providers: We may share information with trusted third-party service providers who assist us in:
- Payment processing
- Claims administration
- Policy management systems
- Email and SMS communication platforms
- Website hosting and analytics
- Customer relationship management (CRM)
These service providers are contractually obligated to protect your information.
Legal Requirements: We may disclose information when required to:
- Comply with legal obligations and court orders
- Respond to government requests
- Protect our rights and the rights of others
- Prevent fraud and enforce our policies
Password Reset: If you request a password reset, your IP address will be included in the reset email.
Spam Detection: Visitor comments may be checked through an automated spam detection service.
CRITICAL EXCEPTION – SMS Data is NEVER Shared:
Notwithstanding any other provisions in this privacy policy, mobile phone numbers and SMS opt-in data collected for text messaging purposes will NOT be shared with any third parties or affiliates under any circumstances, except with our SMS service provider solely for the purpose of message delivery. No mobile opt-in data will be shared with third parties for marketing or any other purposes.
Data Retention
Comment Data: If you leave a comment, the comment and its metadata are retained indefinitely. This allows us to recognize and approve follow-up comments automatically instead of holding them in a moderation queue.
User Account Data: For users that register on our website, we store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username).
SMS Data:
- Active opt-in records: Duration of your active customer relationship
- SMS message history: Up to 2 years
- Opt-out records: Indefinitely to honor your preferences
- After opt-out: 30 days, then deleted
Policy and Insurance Records: We retain insurance-related information as required by law and industry regulations, typically 7 years or longer.
Your Rights Over Your Data
Access and Correction:
- Request to receive an exported file of the personal data we hold about you
- Request corrections to inaccurate information
- See, edit, or delete your personal information (if you have an account)
Deletion:
- Request that we erase personal data we hold about you
- Note: This does not include data we are obliged to keep for administrative, legal, or security purposes
Opt-Out:
- SMS Messages: Text STOP to opt out of text messages at any time
- Email Marketing: Click “unsubscribe” in any marketing email
- Cookies: Manage through your browser settings
Account Management: Website administrators can see and edit user information as needed for account management and support.
Data Security
We implement reasonable security measures to protect your information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet or electronic storage is 100% secure.
Where Your Data is Sent
Visitor comments may be checked through an automated spam detection service.
Information may be transmitted to:
- Insurance carriers and underwriters for quotes and policies
- Service providers for payment processing and policy management
- Government agencies as required by law
Children’s Privacy
Our website and services are not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will post changes on this page with an updated “Last Updated” date. We encourage you to review this policy periodically.
Consent and Acceptance
By using our website, providing your information, or opting in to SMS communications, you acknowledge that you have read, understood, and agree to this Privacy Policy.