Privacy Policy

Privacy Policy

Golden Ratio Insurance Group
Effective Date: May 6, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

Golden Ratio Insurance Group ("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:

Name, email address, phone number, physical address

Payment information when you request a quote or service

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

Cookies and similar technologies

Customer Communication:

Records of inquiries and service requests

Appointment details and preferences

Service history and feedback

2. How We Use Your Information

We use collected data for:

Providing and improving our services

Processing requests and transactions

Communicating with you about inquiries, appointments, and updates

Enhancing website functionality and user experience

Ensuring security and fraud prevention

Maintaining records of your communication preferences and consent

3. SMS Messaging & Compliance

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates.

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:

You can cancel SMS notifications at any time by replying "STOP"

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 interaction with our business

Messages will be directly related to services you requested

We do not send promotional messages without explicit consent

Help & Support:

Reply "HELP" for assistance or contact us at [email protected]

Support is available during normal business hours

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 regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties/affiliates for marketing/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 safeguards to protect your SMS consent and communication data.

4. Information Sharing & Disclosure

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

We may share information with:

Service Providers:

Vendors who assist in operations (e.g., scheduling tools, payment processors)

SMS providers solely to deliver messages you have consented to receive

All providers are required to protect your information

Legal Compliance:

When required by law or legal process

To protect our rights or respond to lawful requests

Business Transfers:

In the event of a merger, acquisition, or sale of assets

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding SMS service providers necessary for message delivery.

5. Data Security

We maintain appropriate safeguards to protect your information, including:

Encryption of sensitive data

Secure access controls

Routine system monitoring and updates

Employee data protection training

Secure backup and recovery systems

While we take security seriously, no system is completely secure.

6. Cookies & Tracking Technologies

We use cookies to:

Analyze website traffic

Remember preferences

Improve functionality and user experience

You can manage cookies through your browser settings.

7. Your Rights & Choices

You have the right to:

Access or update your personal information

Request deletion of your data

Opt-out of emails via the unsubscribe link

Opt-out of SMS by replying "STOP"

Withdraw consent at any time

To exercise these rights, contact us below.

8. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices.

9. Changes to This Privacy Policy

We may update this policy from time to time. Updates will be posted on our website with a revised effective date.

10. Contact Us

If you have questions about this Privacy Policy, contact us:

Golden Ratio Insurance Group
📞 Phone: 803-740-8517
📧 Email: [email protected]
🌐 Website: www.goldenratioinsurancegroup.com

By using our website and services, you agree to this Privacy Policy.