Privacy Policy

1. Information We Collect

Information you provide directly: When you request a quote, submit a contact form, or otherwise interact with us, we may collect:

• · Full name, date of birth, and household member information
• · Email address and phone number
• · ZIP code and state of residence
• · Business name and number of employees (for group plan requests)
• · Household income and coverage preferences
• · Any additional information you voluntarily share in messages to us

Information collected automatically: When you visit our website, we may automatically collect certain technical information, including:

• · IP address and browser type
• · Pages visited, time spent on site, and referring URLs
• · Device type and operating system
• · Cookies and similar tracking technologies (see Section 6)

2. How We Use Your Information

We use the information we collect to:

• · Prepare and deliver health insurance quotes tailored to your needs
• · Contact you about your inquiry via phone, email, or text
• · Submit applications to insurance carriers on your behalf (with your consent)
• · Comply with state and federal insurance regulations and licensing requirements
• · Improve our website performance and user experience
• · Measure advertising effectiveness (Google Ads and TikTok Pixel conversion tracking)
• · Send you relevant follow-up communications (you may opt out at any time)

3. How We Share Your Information

We do not sell your personal information. We do not rent or trade your information with third-party marketers. We may share your information in the following limited circumstances:

• · Insurance carriers: To obtain quotes or process enrollment applications on your behalf
• · Service providers: Third-party tools we use to operate our business (e.g., Web3Forms for form delivery, Google Analytics, TikTok for advertising analytics) who are contractually bound to protect your data
• · Legal compliance: When required by law, regulation, or valid legal process
• · Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including to provide brokerage services, comply with legal obligations, resolve disputes, and enforce our agreements. Inquiry data is typically retained for up to 7 years in accordance with Florida insurance recordkeeping requirements.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or loss. However, no method of transmission over the internet is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

6. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and measure site performance. Specifically, we use:

• · Google Analytics / Google Ads (gtag.js): To understand how visitors use our site and to measure the effectiveness of our advertising campaigns. Google may use this data in accordance with its own Privacy Policy.
• · TikTok Pixel: To measure the effectiveness of our TikTok advertising and to show relevant ads to people who have visited our site. TikTok may use this data in accordance with its own Privacy Policy. You can manage TikTok ad preferences in your TikTok account settings.
• · Essential cookies: Required for the website to function correctly.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our website may not function properly without cookies.

7. SMS / Text Messaging

When you submit a form on our website that includes your phone number, you consent to receive SMS text messages and phone calls from Moran Insurance Group, LLC regarding your insurance inquiry. By providing your phone number, you agree to the following:

• · Consent: Your consent to receive SMS messages is given when you submit a form on our website. Consent is not a condition of purchasing any goods or services.
• · Message frequency: Message frequency varies based on your inquiry and our follow-up communications.
• · Message & data rates: Standard message and data rates may apply depending on your mobile carrier and plan.
• · Opt out: You may opt out of SMS messages at any time by replying STOP to any message you receive from us. You will receive a confirmation message and will no longer receive texts unless you re-subscribe.
• · Help: Reply HELP to any message for assistance, or contact us at (863) 270-9820 or info@moraninsurancegroup.com.
• · No sharing: Your phone number is never sold, rented, or shared with third parties for their marketing purposes.
• · Supported carriers: Compatible with all major US carriers, including AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, and others.

8. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• · Access the personal information we hold about you
• · Request correction of inaccurate information
• · Request deletion of your information (subject to legal retention requirements)
• · Opt out of marketing communications at any time

To exercise any of these rights, please contact us at the information listed in Section 10.

9. Children's Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly. Information about minor dependents included in a family or group health insurance application is collected solely for the purpose of obtaining insurance coverage and is handled in accordance with this policy.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.