Privacy Policy - Killian Dowd Insurance Services
Effective Date: June 24, 2025
Last Updated: June 24, 2025
1. Introduction
Killian Dowd Insurance Services ("we," "us," "our," or "Company") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our insurance services, visit our website, or communicate with us through various channels including text messaging (SMS/MMS).
2. Information We Collect
2.1 Personal Information
We may collect the following types of personal information:
Name, address, phone number, and email address
Date of birth and Social Security number
Driver's license number and driving record
Financial information (income, credit information)
Health information (for life and health insurance)
Claims history and insurance coverage details
Communication preferences and consent records
2.2 Automatically Collected Information
Website usage data, IP addresses, and browser information
Mobile device information and location data (with consent)
Communication logs and interaction history
3. How We Use Your Information
We use your personal information to:
Provide insurance quotes, policies, and services
Process claims and handle customer service inquiries
Send policy updates, renewal notices, and important communications
Comply with legal and regulatory requirements
Improve our services and customer experience
Conduct marketing activities (with your consent)
4. Text Messaging (SMS/MMS) Communications
4.1 Consent and Opt-In
By providing your mobile phone number and consenting to receive text messages, you agree to receive SMS/MMS communications from Killian Dowd Insurance Services. These may include:
Policy notifications and reminders
Claims updates and important alerts
Appointment confirmations
Marketing messages (if separately consented to)
4.2 Message Frequency and Charges
Message frequency varies based on your insurance needs and preferences
Standard message and data rates may apply from your mobile carrier
We are not responsible for carrier charges
4.3 Opt-Out Instructions
You may opt out of text messages at any time by:
Replying "STOP" to any text message
Calling us at (603) 304-7411
Emailing us at [email protected]
Updating your preferences online at [Website]
4.4 Help and Support
For help with text messaging, reply "HELP" to any message or contact us using the information provided in this policy.
5. Information Sharing and Disclosure
We may share your information with:
Insurance companies and underwriters
Third-party service providers and vendors
Legal and regulatory authorities when required
Business partners for legitimate business purposes
In connection with business transfers or mergers
We do not sell your personal information to third parties for their marketing purposes.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.
7. Data Retention
We retain your personal information for as long as necessary to:
Provide our services to you
Comply with legal obligations
Resolve disputes and enforce agreements
Meet regulatory requirements specific to insurance
8. Your Rights and Choices
Depending on your location, you may have the right to:
Access your personal information
Correct inaccurate information
Delete your personal information
Restrict processing of your information
Object to processing
Data portability
Withdraw consent
9. Third-Party Links and Services
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.
11. State-Specific Privacy Rights
11.1 California Residents (CCPA/CPRA)
California residents have specific rights under the California Consumer Privacy Act, including the right to know, delete, and opt-out of the sale of personal information.
11.2 Other State Laws
We comply with applicable state privacy laws and regulations.
12. Changes to This Privacy Policy
We may update this Privacy Policy periodically. We will notify you of material changes by posting the updated policy on our website and, where required, through other communication channels.
13. Contact Information
For questions about this Privacy Policy or our privacy practices, contact us:
Killian Dowd Insurance Services
Address: [Business Address]
Phone: (603) 304-7411
Email: [email protected]
Website: [Website URL]
For text messaging inquiries specifically:
Reply "HELP" to any text message
Call (603) 304-7411
Email [email protected]
14. A2P Messaging Compliance
This privacy policy complies with A2P (Application-to-Person) messaging requirements including:
Clear consent mechanisms for text messaging
Opt-out instructions and procedures
Message frequency disclosure
Carrier charge notifications
Help and support contact information
Important Note: This privacy policy should be reviewed by legal counsel to ensure compliance with all applicable federal, state, and local laws, as well as specific A2P registration requirements for your messaging platform and carrier relationships.