1. Scope
This policy applies to this RIA INSURANCE GROUP, INC. website, its individual agent pages, forms, and related communications. Third-party websites, platforms, and forms have their own policies.
2. Information we collect
We may collect contact information and content a person chooses to submit through a form, as well as professional information provided by agents or candidates during an application or appointment process.
We may also record the initial entry page, the referring agent who shared the site, and technical or security data such as IP address, browser, device, pages visited, and anti-abuse verification results.
3. How we use information
We use information to respond to and route inquiries, review applications, support carrier appointment, training, and agent-support processes, and communicate about a requested transaction with the required consent.
Page or agent referral information helps us follow up, understand site use, and improve the experience. We also use information as needed to comply with legal or regulatory obligations, prevent fraud, and maintain site security.
4. Form recipients
Messages submitted from an individual agent page are delivered to that agent. RIA INSURANCE GROUP may also receive a copy for reference, quality control, and follow-up with the agent. General contact forms and agent applications are delivered to RIA INSURANCE GROUP.
We do not sell personal information for money. We may share necessary information with providers supporting website operation and security, email delivery, electronic signatures, or the requested service, and when required by law or a competent authority.
5. Sensitive and health information
Use only designated forms to submit sensitive documents. Do not send identification numbers, medical data, or financial information through general forms or unsolicited channels.
Health information is protected under applicable laws and obligations. This statement does not mean every agency activity is subject to HIPAA.
6. Cookies, storage, and security
The site uses session storage to temporarily retain the entry page and, when applicable, the referring agent during navigation. This reference may be included in messages sent to RIA INSURANCE GROUP to route inquiries and understand which pages are shared.
The site and its providers may use strictly necessary cookies, technical logs, and similar technologies to operate and protect the site, including Cloudflare Turnstile anti-abuse verification. Blocking necessary functions may affect site use.
7. Email, calls, and text messages
When you provide contact information and the appropriate consent, we may send communications related to your request or our services by email, phone call, or text message. Consent is not a condition of purchasing insurance. Frequency varies and message and data rates may apply. Reply STOP to stop text messages or HELP for assistance.
We do not sell or share mobile numbers or text-message consent and opt-in information with third parties or affiliates for marketing or promotional purposes.
8. Retention and safeguards
The site does not initially maintain its own database of submitted messages. Messages and applications may be retained in email, electronic-signature, or recipient systems for the time needed to respond, provide services, and meet legal, regulatory, and contractual obligations.
We apply reasonable administrative, technical, and physical safeguards; however, no Internet system or transmission can guarantee absolute security.
9. Your choices and rights
Depending on your residence and applicable law, you may request access, correction, or deletion of certain information, withdraw consent, or limit certain communications. Requests may be subject to identity verification, legal exceptions, and retention duties.
10. Children
This website is not directed to children under age 13, and we do not knowingly seek to collect their personal information through the public site.
11. Changes and contact
We may update this policy to reflect changes in services, providers, or applicable requirements. The current version and update date will be posted on this page.