Home› More ›Privacy Policy of Hereth Insurance Consulting
Hereth Insurance Consulting is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information in connection with our website, insurance services, and communications including SMS messaging and in compliance with applicable federal and state law, including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA) where applicable, and SMS registration guidelines.
By engaging with our website, services, or communications, you agree to the practices described in this Policy. If you do not agree, please discontinue use of our services.
1. Information We Collect
Personal Information
We may collect the following categories of personal information from individuals who visit our website or engage with our services:
• Contact details: name, mailing address, email address, and phone number
• Identification details: date of birth, driver’s license number, and similar identifiers provided during an insurance application or account review
• Financial information: income details, credit information, and bank or policy account numbers, as needed to quote or administer insurance products
• Insurance-related information: policy data, claims history, insured risk data, and health or demographic information relevant to coverage
• Employment information: employer name and employment history, where applicable to a coverage request
Communication and Usage Data
• Records of communications via email, phone, or SMS, including opt-in and opt-out preferences
• Website usage data: pages visited, time spent on pages, referring URLs, and similar browsing information collected automatically via cookies or similar technologies
• Aggregate, non-personally identifiable data used to improve our website and services
Information About Children
Our website and services are intended for adults seeking insurance. We do not knowingly collect personal information from children under the age of 13. If we become aware that we have inadvertently collected such information without verifiable parental consent, we will promptly delete it.
2. How We Use Your Information
We use the information we collect for the following purposes:
• To process insurance inquiries, quote coverages, bind policies, and administer your accounts
• To communicate with you regarding your policies, renewals, claims, and related service matters
• To schedule or confirm appointments, provide customer support, and share relevant account updates via phone, email, or SMS
• To comply with applicable federal and state laws and regulations, including GLBA privacy and data security requirements
• To maintain the security and integrity of Agency records and information systems
• To improve our website, services, and internal operations
We do not use your personal information for affiliate marketing purposes, and we do not sell, rent, or trade your personal information to third parties for their own marketing use.
3. SMS Messaging Practices
Opt-In
You may consent to receive SMS messages from the Agency by replying “YES” to an invitation, or by providing consent during an account review or initial communication with our team.
Opt-Out
You may opt out of SMS communications at any time by replying “STOP” to any message we send. After opting out, you will no longer receive SMS messages from the Agency unless you provide consent again.
Message Examples
Examples of SMS messages you may receive include:
• “Hey, just checking to see if we are still on for the meeting today?”
• “Morning [Client Name] — Just reaching out to see if you received the documents I emailed you yesterday.”
No Affiliate Marketing via SMS
We do not use your phone number for affiliate marketing purposes. Message and data rates may apply depending on your mobile carrier plan.
4. Sharing Your Information
We do not sell or share your personal information with unaffiliated third parties for their own marketing purposes. We may share your nonpublic personal information with non-affiliated third parties only in the following circumstances:
• With insurance carriers, wholesalers, surplus lines brokers, or other service providers as necessary to process, administer, or service your insurance policies or coverage requests
• With vendors and technology providers who assist in Agency operations, subject to contractual confidentiality obligations
• As required or permitted by law, including in response to regulatory inquiries, legal process, or government authority requests
• To protect the safety, rights, or property of the Agency, our clients, or others
• In connection with a proposed or actual sale, merger, or transfer of Agency business
Your Right to Opt Out (GLBA)
Under the Gramm-Leach-Bliley Act, you have the right to direct us not to share your nonpublic personal information with non-affiliated third parties for purposes beyond those described above. If you wish to exercise this right, please contact us using the information in Section 8. The opt-out right does not apply to information sharing that is necessary to process or service your insurance transaction, or that is otherwise exempt under applicable law.
Annual Privacy Notice
In accordance with the GLBA and applicable Missouri state law, we provide customers with an initial privacy notice when a customer relationship is established, and annually thereafter for as long as the relationship continues. This Policy serves as our privacy notice so please review it carefully.
5. Data Security
Hereth Insurance Consulting maintains a written information security program that includes administrative, technical, and physical safeguards appropriate to the size and complexity of our agency and the nature of the information we handle. These measures are designed to:
• Ensure the security and confidentiality of customer records and information
• Protect against anticipated threats or hazards to the security or integrity of such records
• Protect against unauthorized access to or use of customer information that could result in substantial harm or inconvenience
While we implement reasonable safeguards, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security, but we will notify affected individuals and applicable authorities in the event of a data breach as required by law.
We exercise appropriate due diligence in selecting service providers and require our service providers by contract to implement appropriate data security measures consistent with these obligations.
6. Cookies and Tracking Technologies
Our website may use cookies or similar tracking technologies to collect aggregate usage data, improve site functionality, and enhance user experience. Cookies placed on your device during a session are used only during that visit and do not track your activity after you leave our site.
You may manage or disable cookies through your browser settings. Note that disabling cookies may affect certain features of our website.
7. Third-Party Links
Our website may contain links to third-party websites, including insurance carrier sites, industry resources, and partner organizations. We are not responsible for the privacy practices, content, or data collection policies of those third-party sites. We encourage you to review the privacy policies of any external sites you visit. Links on our website do not constitute an endorsement of those sites or their content.
8. Your Rights: Access, Correction, and Deletion
You have the right to request access to the personal information we maintain about you, and to request corrections, amendments, or deletion of any inaccurate or outdated information, subject to exceptions required by law.
To submit a request:
• Contact us in writing at the address below
• Include your name, address, phone number, a description of the specific information at issue, and the correction or deletion you are requesting, along with any supporting documentation
We will respond within 30 business days of receiving a complete request, advising you of the action taken or the reason we are unable to fulfill the request.
You may also contact us to update your communication preferences, including opting out of SMS messaging or other communications.
9. GLBA Compliance Statement
As an independent insurance agency, Hereth Insurance Consulting is subject to the privacy and data security provisions of Title V of the Gramm-Leach-Bliley Act (GLBA), as implemented through Missouri state insurance regulations. This Policy constitutes our privacy notice to customers as required under the GLBA and applicable state law.
Our privacy and data security practices are consistent with the standards required by the GLBA, including maintaining a written information security program, providing customers with notice of our privacy practices, and offering opt-out rights with respect to certain information sharing. We do not share customer nonpublic personal information with non-affiliated third parties for non-exempted purposes without first providing the required opt-out notice.
If you have questions about your rights under the GLBA or applicable Missouri privacy regulations, please contact us.
10. Updates to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Changes will become effective upon posting on our website with an updated effective date. We encourage you to review this Policy periodically to stay informed of our current practices. In the event of material changes to how we handle your personal information, we will make reasonable efforts to notify you directly.
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:
Hereth Insurance Consulting
1207 W. Broadway, Suite 103
Columbia, MO 65203
Phone: (573) 475-4015
Website: herethinsuranceconsulting.com
This Privacy Policy is compliant with the GLBA, applicable Missouri state insurance privacy regulations, and SMS registration guidelines. By engaging with us via SMS or through our website, you agree to the terms outlined in this Policy.
