Privacy Policy

Big Love Insurance (“Big Love Insurance,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, request an insurance quote, purchase or service a policy, use our DMV services, communicate with us, or otherwise interact with our business.

1. Personal Information We Collect

Depending on how you interact with us, we may collect:

• Identifiers and contact information, such as your name, mailing address, email address, telephone number, mobile number, date of birth, and customer or policy identifiers.
• Insurance and application information, including household, driver, vehicle, property, business, beneficiary, coverage, claims, and prior-insurance information needed to quote, underwrite, issue, maintain, or service coverage.
• Government, licensing, and financial information, such as driver’s-license information, vehicle-registration information, taxpayer information, or payment information where needed for insurance, DMV, identity-verification, payment, or regulatory purposes.
• Communications, including emails, calls, text messages, form submissions, uploaded documents, and records of your interactions with our staff or service providers.
• Website and device information, such as IP address, browser type, device identifiers, pages viewed, referral source, and access date and time.
• Information from third parties, including insurance carriers, consumer-reporting agencies, claims databases, government sources, prior insurers, service providers, and referral partners, as permitted by law.

2. How We Collect Information

We may collect information directly from you, automatically through our website, from persons you authorize, and from insurance carriers, government agencies, vendors, referral sources, public records, or other lawful third-party sources.

3. How We Use Personal Information

• prepare quotes and insurance applications;
• place, issue, renew, modify, and service insurance policies;
• perform DMV and vehicle-registration services requested by you;
• respond to questions and provide customer support;
• assist with billing, payments, claims, certificates, identification cards, and policy documents;
• schedule appointments and send service-related reminders or notices;
• verify identity, prevent fraud, protect security, and manage risk;
• comply with legal, regulatory, licensing, carrier, and recordkeeping requirements;
• operate, maintain, secure, and improve our website and business systems; and
• communicate with you as permitted by law and in accordance with your preferences.

4. How We Disclose Personal Information

• Insurance carriers and intermediaries to obtain quotes, submit applications, bind or service coverage, or support claims.
• Government agencies and DMV-service partners to complete services you request and satisfy legal requirements.
• Service providers that support hosting, communications, customer management, payment processing, document management, security, analytics, and other business operations.
• Professional advisers such as attorneys, accountants, auditors, and consultants.
• Government or legal recipients when required by law, legal process, licensing rules, regulatory request, or to protect rights, safety, and security.
• Business-transaction recipients in connection with a merger, acquisition, financing, asset sale, reorganization, or similar transaction, subject to applicable law.
• Other parties at your direction or with your authorization.

5. SMS and Mobile Messaging Privacy

When you provide your mobile number and affirmatively opt in, we may send conversational or informational text messages concerning quotes, applications, policy servicing, billing, claims support, requested documents, appointments, DMV services, and customer support.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. See our SMS Terms & Conditions.

6. Cookies and Similar Technologies

Our website may use cookies, pixels, log files, and similar technologies to operate the site, remember preferences, understand usage, improve performance, and protect security. You may adjust cookie settings through your browser, although disabling cookies may affect certain features.

7. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this policy, service insurance policies and customer accounts, complete requested DMV services, comply with legal and carrier obligations, resolve disputes, enforce agreements, and maintain appropriate business records.

8. Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No system or transmission method is completely secure, so we cannot guarantee absolute security.

9. Your Choices and Privacy Rights

Depending on your location and applicable law, you may have rights to request access, correction, or deletion of certain personal information; receive information about certain uses or disclosures; withdraw consent where processing is based on consent; or appeal a response to a privacy request. Exceptions may apply.

To submit a request, contact us using the information below. We may need to verify your identity. We will not unlawfully discriminate against you for exercising an applicable privacy right.

10. Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information online directly from children under 13 without appropriate authorization.

11. Third-Party Websites and Services

Our website may link to third-party websites or services. Their privacy practices are governed by their own policies, and we are not responsible for those practices.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will post the revised version on this page and update the “Last updated” date. Material changes may be communicated by additional means where required by law.

13. Contact Us