Privacy Policy

Introduction

Reliable Risk Management Group ("RRMG," "we," "us," or "our") operates reliableriskmg.com (the "Site"). We provide information and tools that allow consumers to request insurance quotes, information, and assistance from Reliable Risk Management Group, licensed insurance agents, carriers, and other insurance professionals.

This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our Site, submit a form, request an insurance quote, contact us, or otherwise interact with our services.

By using the Site or providing personal information to us, you acknowledge the practices described in this Privacy Policy. If you do not agree with these practices, please do not use the Site or submit personal information through it.

1. Information We Collect

a. Information you provide directly

We may collect information you provide when you:

Request an insurance quote or information about an insurance product
Complete an online form or application
Request a callback
Contact us by phone or email
Communicate with one of our agents or representatives
Request information about available insurance products
Subscribe to marketing or other communications

Depending on the type of insurance product or service you request, this information may include:

First and last name
Mailing address
Email address
Home and mobile telephone numbers
Date of birth
ZIP code
Current insurance information
Policy information
Coverage limits
Claims history
Property information
Vehicle information
Business information
Life insurance-related information
Insurance needs and preferences
Premium and payment-related information
Other information you voluntarily provide through forms or communications

Some insurance products may require additional information for underwriting, rating, eligibility, or coverage purposes.

b. Automatically Collected Information

When you visit the Site, we may automatically collect certain information, including:

IP address
Browser type and version
Operating system
Device information
Pages visited
Links clicked
Date and time of visits
Referring and exit pages
General usage information
Cookies, pixels, web beacons, and similar technologies

c. Information From Third Parties

Where permitted by applicable law, we may receive information from:

Insurance carriers
Managing general agents (MGAs)
Wholesalers and insurance intermediaries
Business partners
Consumer reporting agencies
Data providers used for insurance rating or underwriting
Publicly available sources
Other parties at your direction or with your consent

2. How We Use Your Information

We may use your information to:

Respond to your requests and inquiries
Provide or obtain insurance quotes
Evaluate information relevant to insurance eligibility and pricing
Connect you with licensed insurance agents, carriers, or other insurance professionals
Help identify insurance products that may be available to you
Process insurance applications or requests
Communicate with you regarding quotes, policies, renewals, applications, and related services
Schedule requested callbacks or communications
Provide customer service
Operate, maintain, and improve the Site
Conduct analytics and internal reporting
Monitor and improve the quality of our services
Prevent fraud and unauthorized activity
Protect the security of our systems
Comply with legal, regulatory, and contractual requirements
Resolve disputes and enforce our agreements
Send marketing and promotional communications where permitted by law and consistent with your choices and consent

3. Insurance Quotes and Applications

Information submitted through the Site may be used to obtain insurance quotes or information from licensed insurance carriers, agents, MGAs, wholesalers, or other insurance intermediaries.

The information necessary to obtain a quote may vary depending on the insurance product requested. Providing information through the Site does not guarantee that you will receive a quote, qualify for coverage, or be offered a particular premium, policy, carrier, or coverage.

Final eligibility, pricing, coverage, policy terms, and underwriting decisions are determined by the applicable insurance carrier or authorized insurance professional.

4. How We Share Your Information

We may share personal information with the following categories of recipients:

Insurance Companies and Insurance Professionals

We may share information with insurance carriers, licensed insurance agents, managing general agents, wholesalers, brokers, insurance intermediaries, and other insurance professionals.

This sharing may be necessary to obtain quotes, evaluate eligibility, place coverage, process applications, or service insurance policies.

Service Providers

We may share information with service providers that perform services on our behalf, including website hosting providers, technology providers, customer support providers, communications providers, email and SMS providers, analytics providers, data verification providers, security providers, and other business service providers.

These providers may access personal information only as reasonably necessary to perform services for us and subject to appropriate contractual or legal obligations.

Affiliates and Business Partners

Where applicable and permitted by law, we may share information with affiliates and business partners for operational, insurance, service, or marketing purposes consistent with this Privacy Policy and your choices.

Professional Advisors

We may disclose information to attorneys, accountants, auditors, consultants, and other professional advisors when reasonably necessary.

Legal and Regulatory Requirements

We may disclose information when required or permitted by applicable law, regulation, subpoena, court order, governmental request, or other legal process.

We may also disclose information when reasonably necessary to protect our rights, property, safety, users, or others.

Business Transactions

Personal information may be transferred as part of a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable law.

Information You Direct Us to Share

We may share information with third parties when you request or authorize us to do so.

5. Mobile Information and SMS/Text Messaging Data

No mobile information will be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

Mobile telephone numbers, SMS/text messaging opt-in data, and SMS consent information will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

This restriction does not prevent us from sharing information with service providers that help us operate our SMS/text messaging program, communicate with you at your request, provide requested insurance services, or perform services on our behalf, provided such providers are subject to appropriate contractual or legal obligations.

Your SMS consent is specific to Reliable Risk Management Group and the messaging program for which you provided consent. It does not constitute consent to receive marketing messages from unrelated third parties.

6. SMS/Text Messaging

If you provide the required consent to receive SMS/text messages, Reliable Risk Management Group may send text messages relating to your inquiry, requested insurance information, quotes, callbacks, appointments, services, or marketing communications covered by your consent.

Message frequency varies.

Message and data rates may apply.

You may opt out at any time by replying STOP to an SMS message.

For assistance, reply HELP or contact us at:

Phone: 505-657-4674 Email: info@reliableriskmg.com

After opting out, you may receive a confirmation message. You will not receive further messages through the applicable messaging program unless you provide new consent.

Carriers are not liable for delayed or undelivered messages.

7. Cookies and Tracking Technologies

We and our service providers may use cookies, pixels, web beacons, tags, scripts, and similar technologies to:

Operate and maintain the Site
Remember preferences
Improve website functionality
Understand website traffic and usage
Measure advertising performance
Conduct analytics
Support security and fraud prevention

You can typically manage cookies through your browser settings.

Where required by applicable law, we may provide additional cookie controls or a cookie preference mechanism.

8. Data Security

We use reasonable physical, technical, and administrative safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

However, no internet transmission or electronic storage system is completely secure. We therefore cannot guarantee absolute security.

9. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide requested quotes and services
Maintain and service insurance relationships
Process applications
Meet legal and regulatory requirements
Maintain business and financial records
Resolve disputes
Enforce agreements
Protect our legitimate business interests

When information is no longer required, we may delete, anonymize, or securely dispose of it in accordance with applicable law and our retention practices.

10. Your Privacy Rights and Choices

Depending on your location and applicable law, you may have rights regarding your personal information, including the right to:

Request access to personal information we maintain about you
Request correction of inaccurate information
Request deletion of certain personal information
Request information about our collection or use of personal information
Object to or restrict certain processing
Withdraw consent where processing is based on consent
Request a portable copy of certain information

Certain information may be exempt from these rights under applicable law.

We may need to verify your identity before processing a privacy request.

Marketing Communications

You may opt out of marketing emails by using the unsubscribe mechanism contained in the applicable email.

SMS Communications

You may opt out of SMS communications at any time by replying STOP to the applicable message.

You may request assistance by replying HELP or contacting us at 505-657-4674.

Opting out of marketing communications does not necessarily prevent us from sending administrative, transactional, service-related, or other communications that are permitted or required by law.

11. Children's Privacy

The Site is not directed to children under 13.

We do not knowingly collect personal information from children under 13 without appropriate consent.

If we learn that we have collected personal information from a child under 13 in circumstances where such collection is not permitted, we will take reasonable steps to delete the information.

12. Third-Party Websites and Services

The Site may contain links to third-party websites, services, carriers, insurance providers, or other resources.

This Privacy Policy does not apply to third-party websites or services that we do not control.

We encourage you to review the privacy policies of third parties before providing them with personal information.

13. Do-Not-Track Signals

Our Site does not currently respond to browser-based Do-Not-Track signals because there is no universally accepted standard governing how such signals should be interpreted.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business, services, technology, or applicable legal requirements.

When we make changes, we will update the Last Updated date at the top of this Privacy Policy.

Where required by law, we will provide additional notice of material changes.

15. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your privacy rights, please contact us:

Reliable Risk Management Group 2400 Louisiana Blvd NE, Building #3, Suite 140 Albuquerque, NM 87110

Email: info@reliableriskmg.com Phone: 505-657-4674