Privacy Policy.
Effective Date: 10/28/2026
Important Notice Regarding Text Messaging Data
Ridgewell Insurance ("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 pay a planning fee or apply for coverage
- Opt-in records and timestamps for all communication channels (SMS, email, etc.)
Financial Information
- Home value and mortgage balance
- Credit score range
- Household income and expense ranges
- Information about existing insurance policies and retirement accounts you choose to share
Non-Personal Information
- IP address, browser type, 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 transactions and payments
- Communicating with you about your inquiries, appointments, and promotions
- Enhancing website functionality and user experience
- Ensuring security and fraud prevention
- Maintaining records of your communication preferences and consent
- Evaluating which strategies may fit your situation and preparing illustrations
3. SMS Messaging & Compliance
SMS/Text Messaging. With your consent, Ridgewell Insurance sends service-related text messages to clients, including welcome and enrollment confirmations, policy status updates, beneficiary information requests, appointment and call reminders, and replies to questions you text us. Consent to receive text messages is collected verbally during your recorded application or service call with a licensed agent, or in writing where offered. Consent is not a condition of purchasing any product or service. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP to any message; reply HELP for help, or contact us at (385) 462-6922 or service@
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Service Providers
- Third-party vendors who assist in our operations (e.g., payment processing, appointment scheduling)
- SMS aggregators and providers solely for the purpose of delivering messages you've consented to receive
- All service providers are contractually obligated to maintain confidentiality and security
Lending Partners
With your consent, we share the information needed to evaluate lending options with our third-party partner banks. These lenders use your information under their own privacy policies.
Insurance Carriers
When you apply for coverage, we share the information required for the application and underwriting with the issuing insurance carrier.
Legal Compliance
- If required by law, legal process, or to protect our rights
- In response to valid law enforcement requests or court orders
Business Transfers
- In case of mergers, acquisitions, or sale of assets
- In such cases, your data remains protected under the terms of this policy
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Secure access controls and authentication mechanisms
- Regular security assessments and updates
- Employee training on data protection
- Breach notification protocols in accordance with applicable laws
- Secure backup systems and disaster recovery procedures
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Analyze site traffic and user behavior
- Remember your preferences
- Improve website functionality and user experience
- Measure the effectiveness of our services
You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.
7. Your Rights & Choices
You have the right to:
- Access, update, or delete your personal information
- Opt-out of marketing emails by clicking "unsubscribe" in our emails
- Opt-out of SMS messages by replying "STOP"
- Request information on how we process your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
To exercise these rights, please contact us using the information in Section 10.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by Ridgewell Insurance.
9. Changes to This Privacy Policy
We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.
10. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at:
By using our website and services, you consent to this Privacy Policy.