Privacy Policy

How we collect, use, and protect your personal information — including your rights as a consumer and our commitments to you.

Effective Date: September 24, 2026 | Last Updated: October 3, 2026

On This Page

1. Scope & Overview
2. Information We Collect
3. How We Use Information
4. How We Share Information
5. Your Right to Opt Out
6. State Privacy Rights
7. SMS & Text Communications
8. Electronic Communications
9. Data Security
10. Data Retention
11. Children’s Privacy
12. Changes to This Policy
13. Contact Us

Section 01

Scope & Overview

This Privacy Policy applies to The Real INS Group (“we,” “our,” “us”), an independent insurance agency licensed in multiple states. It describes how we collect, use, share, and protect nonpublic personal information (“NPI”) in connection with our insurance brokerage services.

This policy applies to information collected through our website (therealinsgroup.com), our online forms, phone interactions, email communications, and in-person meetings.

As an insurance agency, we are a “financial institution” subject to the Gramm-Leach-Bliley Act (GLBA), Title V, which imposes privacy obligations on how we handle your NPI. This policy serves as our GLBA privacy notice and satisfies our obligations to provide both an initial notice and, where required, an annual notice.

Not Legal Advice

This policy is provided for informational and compliance purposes. It does not constitute legal advice. If you have questions about your specific rights, consult a qualified attorney.

Section 02

Information We Collect

We collect nonpublic personal information about you from the following sources:

Information You Provide Directly

Name, address, date of birth, Social Security number (for underwriting purposes)
Phone number, email address, and preferred contact method
Driver’s license number, vehicle information, and driving history
Property information (address, type, age, value of home or commercial property)
Business information (entity type, number of employees, revenue, operations)
Health information relevant to life, health, or disability insurance applications
Financial information (income, assets, existing coverage) used in the underwriting process
Claims history and prior insurance information
Information provided in contact forms, quote requests, and referral submissions

Information from Transactions

Policy numbers, premium amounts, payment history
Coverage selections and endorsements
Claims filed with carriers through our assistance
Correspondence and records of service interactions

Information from Third Parties

Credit-based insurance scores (from consumer reporting agencies, where permitted by state law)
Motor vehicle records (MVR) and CLUE reports from insurance data services
Information from insurance carriers as part of the underwriting process
Publicly available information (property records, business filings)

Website and Technical Information

IP address, browser type, device type, and referring URL
Pages visited, time on site, and clickstream data
Form submission data and contact inquiries
Cookies and similar technologies (see our cookie use below)

We use cookies and similar tracking technologies to improve site functionality and analyze traffic. You may disable cookies through your browser settings; however, some features of our website may not function properly as a result.

Section 03

How We Use Your Information

We use nonpublic personal information to:

Quote, bind, service, and renew insurance policies on your behalf
Submit applications to insurance carriers and facilitate underwriting
Process claims and assist you in the claims process
Communicate with you about your coverage, renewals, and policy changes
Respond to your inquiries, quote requests, and service requests
Comply with applicable federal and state laws and insurance regulations
Detect and prevent fraud, unauthorized activity, or illegal conduct
Improve our services and website functionality
Send you informational communications about products and services that may be of interest to you (with your consent where required)

We do not use your NPI for purposes unrelated to the provision of insurance products and services without your consent.

Section 05

Your Right to Opt Out

Under the Gramm-Leach-Bliley Act, you have the right to opt out of certain information sharing with nonaffiliated third parties. Because we do not share your NPI with nonaffiliated third parties for marketing purposes, the GLBA opt-out right has limited practical application to our practices. However, you retain the following rights:

Marketing Communications

You may opt out of receiving marketing-related communications from us at any time by:

Emailing us at sales@therealinsgroup.com with “Opt Out” in the subject line
Calling us at (317) 245-8700
Replying STOP to any marketing text message we send you
Clicking the unsubscribe link in any marketing email

Opting out of marketing communications does not affect our ability to send you transactional communications related to your insurance policies (e.g., renewal notices, policy documents, claims updates).

Processing Your Request

We will honor opt-out requests within 10 business days of receipt. For SMS opt-out requests, see Section 7 below for our specific TCPA compliance procedures.

Section 06

State Privacy Rights

Depending on your state of residence, you may have additional privacy rights beyond those described in this policy.

California Residents

California residents have rights under both the California Insurance Information and Privacy Protection Act (IIPPA) and, effective January 1, 2026, the California Consumer Privacy Act (CCPA) to the extent your information is not collected as part of an insurance transaction.

Under the CCPA, California residents have the right to:

Know what personal information we collect, use, share, or sell
Delete personal information we have collected (subject to certain exceptions)
Correct inaccurate personal information
Opt out of the sale or sharing of personal information (we do not sell or share for cross-context advertising)
Limit our use and disclosure of sensitive personal information
Non-discrimination for exercising these rights

To exercise your California privacy rights, contact us at sales@therealinsgroup.com with “California Privacy Request” in the subject line. We will respond within 45 days.

Other States

Many states have adopted the NAIC Model Privacy Regulation, which provides consumers with rights to access and correct their NPI held by insurance companies. If you believe we hold inaccurate NPI about you, contact us to request a review and correction.

Other States
Right	How to Exercise	Response Time
Access your NPI	Email or call us	30 days
Correct inaccurate NPI	Email or call us	30 days
Opt out of marketing	Email, call, or reply STOP	10 business days
Request deletion (CA)	Email with subject “CA Privacy Request”	45 days
File a complaint	Contact your state insurance department	Varies by state

Section 07

SMS & Text Message Communications

This section governs our use of SMS/text message communications and describes your rights under the Telephone Consumer Protection Act (TCPA), as amended, and applicable carrier guidelines.

We will not send you marketing or promotional text messages without your prior express written consent. Consent is obtained through an affirmative opt-in action (e.g., checking an unchecked box on a form) and is never inferred from silence, pre-checked boxes, or existing business relationships alone.

When you provide your phone number on any of our forms, the following consent language applies to SMS marketing communications:

Consent Language (where displayed on our forms)

“By checking this box, you agree to receive promotional text messages from The Real INS Group at the phone number provided. Message frequency varies (up to 8 messages per month). Message and data rates may apply. This is not a condition of purchasing insurance. Reply STOP to cancel. Reply HELP for assistance.”

Mobile information and SMS/text-messaging consent are not shared with third parties or affiliates for marketing or promotional purposes. The Real INS Group uses your mobile number and SMS opt-in solely to send the text messages you requested; we do not sell, rent, or share your mobile information or messaging consent with any third party or affiliate for marketing.

Transactional Text Messages

We may send you transactional text messages — including appointment reminders, policy renewal notices, claims status updates, and responses to inquiries you initiate — without separate marketing consent, based on our existing business relationship. All transactional messages will identify The Real INS Group as the sender and include opt-out instructions.

Required Message Disclosures

All text messages from The Real INS Group will include:

Identification of The Real INS Group as the sender
Opt-out instructions: Reply STOP to unsubscribe
Help instructions where applicable: Reply HELP for help

How to Opt Out of Text Messages

You may opt out of text messages at any time using any of the following methods:

Reply STOP to any text message from us — all of the following keywords trigger immediate opt-out: STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE
Call us at (317) 245-8700
Email us at sales@therealinsgroup.com

We will process opt-out requests within 10 business days. Upon opt-out, you may receive one confirmation text message that does not contain marketing content. We will not send marketing messages to numbers that have opted out.

Message Timing

We do not send promotional text messages before 8:00 AM or after 9:00 PM local time in the recipient’s time zone.

Record Keeping

We maintain records of all SMS consent, opt-in timestamps, IP addresses, and opt-out requests in accordance with TCPA and carrier requirements. Our text messaging programs are registered with The Campaign Registry (TCR) as required by major wireless carriers for A2P 10DLC messaging.

Cost and Carrier Charges

Message and data rates may apply based on your mobile carrier’s plan. The Real INS Group does not charge you for text messages, but your carrier’s standard messaging rates apply.

TCPA Compliance

Violations of the TCPA may result in statutory damages of $500–$1,500 per violation. We take our TCPA obligations seriously. If you believe you have received a text message from us in error or without proper consent, contact us immediately at sales@therealinsgroup.com.

Section 08

By using our website, submitting a form, or engaging our services electronically, you acknowledge and agree to the following disclosures required by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

When you submit a form on our website or communicate with us electronically, you consent to receive records, documents, notices, and disclosures electronically (“Electronic Records”). Electronic Records may include quotes, coverage summaries, policy documents, renewal notices, and other communications related to your insurance.

Right to Paper Copies

You have the right to request and receive a paper copy of any Electronic Record. To request a paper copy, contact us at sales@therealinsgroup.com or call (317) 245-8700. There is no fee for paper copies of insurance documents.

You may withdraw your consent to receive Electronic Records at any time by notifying us in writing at sales@therealinsgroup.com. After receiving your withdrawal, we will resume sending paper communications. Withdrawal of consent does not affect the validity of any Electronic Records already delivered.

Keeping Your Contact Information Current

You are responsible for ensuring we have your current email address and contact information. If your contact information changes, notify us promptly. If we are unable to deliver Electronic Records to your current address, we may revert to paper communications.

Hardware and Software Requirements

To access Electronic Records, you need a device capable of accessing the internet, a current web browser, and the ability to open PDF files (e.g., Adobe Acrobat Reader or equivalent). If you are unable to access Electronic Records in the format provided, contact us and we will provide an alternative.

Section 09

Data Security

We maintain an information security program that includes administrative, technical, and physical safeguards designed to protect your nonpublic personal information against unauthorized access, use, or disclosure. Our program is designed to comply with applicable state insurance data security laws, including the NAIC Insurance Data Security Model Law (adopted in 28+ jurisdictions).

Our Security Safeguards Include

Access controls: Employee access to NPI is limited to those with a legitimate business need. Authentication and authorization controls are in place.
Encryption: Sensitive data transmitted to and from our website is protected via TLS/SSL encryption. Stored NPI is protected with appropriate encryption where feasible.
Third-party oversight: All service providers with access to NPI are required to maintain written data security and confidentiality agreements.
Employee training: Personnel with access to NPI receive training on privacy obligations and data handling practices.
Incident response: We maintain breach notification procedures and will notify affected individuals and regulators as required by law in the event of an unauthorized data incident.
Secure destruction: NPI is securely destroyed or de-identified when no longer needed for business or legal purposes.

Data Breach Notification

In the event of an unauthorized access, acquisition, use, or disclosure of your NPI that creates a reasonable risk of harm, we will notify you and applicable regulatory authorities without unreasonable delay, as required by state insurance data security laws and state breach notification statutes.

Your Role in Security

While we take strong measures to protect your information, no security system is impenetrable. We encourage you to protect your own information by using strong passwords, not sharing login credentials, and notifying us promptly if you believe your personal information has been compromised.

Section 10

Data Retention

We retain your nonpublic personal information for the duration of our business relationship and for a period thereafter as required by applicable law, insurance regulations, and our legitimate business needs. Typical retention periods include:

Insurance applications and policy documents: Minimum 5–7 years following policy termination (varies by state)
Claims records: Minimum 5–10 years following claim closure (varies by state)
Consumer inquiries and correspondence: Minimum 3–5 years
SMS consent and opt-out records: Minimum 4 years following the last interaction
Website form submissions: Minimum 2 years

Records are securely disposed of or de-identified at the end of the applicable retention period. We may retain records longer if required by law, pending litigation, or regulatory investigation.

Section 11

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. If you believe we have inadvertently collected information from a child under 13, please contact us immediately and we will take steps to delete such information.

Section 12

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or regulatory requirements. When we make material changes, we will update the “Last Updated” date at the top of this page. If we make changes that significantly affect how we handle your NPI, we will provide additional notice (e.g., via email or a notice on our website) where required by law.

Your continued use of our services following notice of changes constitutes your acknowledgment of the updated policy. We encourage you to review this policy periodically.

Section 13

Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or wish to opt out of communications, contact us using any of the following methods:

The Real INS Group — Privacy

Email
sales@therealinsgroup.com
Phone
(317) 245-8700
Hours
Mon–Fri 8am–6pm | Sat 9am–2pm (ET)
SMS Opt-Out
Reply STOP to any text message from us

This Privacy Policy was prepared for informational and compliance purposes. It does not constitute legal advice. The Real INS Group recommends that you consult with a qualified attorney regarding your specific privacy obligations and state insurance law requirements.