Privacy Policy

1. Introduction

Bright Coast Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at brightcoastins.com or contact us for insurance services.

2. Information We Collect

Information You Provide

We collect information you voluntarily provide, including:

• Name, email address, phone number, and company name (via quote or contact forms)
• ZIP code, number of employees, and coverage details (via quote forms)
• Any other information you choose to provide in messages or forms

Automatically Collected Information

With your consent, we may collect information automatically when you visit our site, including:

• IP address and general geographic location
• Browser type, operating system, and device information
• Pages visited, time spent on pages, and navigation paths
• Referring URLs and search terms

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Essential cookies: Ensure the website functions properly. These cannot be disabled.
• Analytics cookies (optional): Understand how visitors use our site via Google Analytics 4. All data is anonymized.
• Marketing cookies (optional): Support advertising campaigns on platforms such as Google and Meta (Facebook/Instagram).
• Visitor identification (optional): We use RB2B, a third-party visitor identification service provided by RB2B, Inc. RB2B may identify the company or individual associated with a visit based on IP address and other signals, and may provide us with business contact information for identified visitors. RB2B's data practices are governed by its own Privacy Policy. You may opt out of RB2B identification at rb2b.com/opt-out.

You can control non-essential cookies through the cookie consent banner displayed when you first visit our site. You may also clear cookies at any time through your browser settings.

4. How We Use Your Information

We use the information we collect to:

• Respond to quote requests and provide insurance services
• Communicate with you about your coverage needs via phone, email, or SMS
• Send appointment reminders, policy updates, and service notifications
• Improve our website and user experience
• Send marketing communications (only with your explicit consent)
• Comply with legal obligations

5. Information Sharing

We do not sell your personal information. We may share your information with:

• Insurance carriers: To obtain quotes and bind coverage on your behalf.
• Service providers: Third-party vendors who assist us in operating our website and business (e.g., NowCerts agency management system, Google Analytics).
• Legal requirements: When required by law or to protect our legal rights.

6. SMS / Text Messaging — A2P Disclosure

Bright Coast Insurance operates an SMS messaging program to communicate with clients and prospective clients who have provided explicit consent. This section governs your participation in that program.

How We Obtain Consent

We only send SMS messages to individuals who have affirmatively opted in. Consent is obtained through one of the following methods:

• Checking the SMS consent checkbox on our website quote or contact forms (checkbox is unchecked by default)
• Verbally agreeing to receive text messages during a phone call with our team
• Texting a keyword to our number as part of a keyword opt-in campaign

Consent is voluntary. You are never required to opt in to SMS messages to receive a quote, access our services, or complete any transaction. Consent to receive SMS messages is separate from our general Terms of Use and Privacy Policy.

Types of Messages

Once you opt in, you may receive the following types of text messages from Bright Coast Insurance:

• Insurance quote follow-ups and coverage recommendations
• Policy renewal reminders and expiration notices
• Appointment confirmations and reminders
• Certificate of insurance (COI) issuance notifications
• Payment reminders and billing notifications
• Service updates and important policy changes
• Responses to your inbound inquiries

Message Frequency

Message frequency varies based on your activity, requests, and policy status. You may receive up to 5 messages per month under normal circumstances. During active quote or renewal periods, frequency may be higher.

Message and Data Rates

Message and data rates may apply. Standard messaging rates charged by your mobile carrier apply to all messages sent and received. Bright Coast Insurance does not charge any additional fees for SMS communications.

How to Opt Out

You may opt out of our SMS program at any time by replying STOP to any text message you receive from us. Upon receipt of your STOP request, we will send you one final confirmation message and will not send any further messages unless you re-enroll. You may also opt out by contacting us at support@brightcoastins.com or calling (239) 475-0361.

How to Get Help

Reply HELP to any text message for assistance. You will receive a response with our contact information. You may also contact us directly at support@brightcoastins.com or (239) 475-0361.

No Sharing of Mobile Information

We do not sell, rent, share, or disclose your mobile phone number or SMS consent data to any third party or affiliate for marketing or promotional purposes. Mobile information (including phone numbers and messaging consent) is never shared with third parties for their own marketing use. Your mobile number may be shared with our SMS platform provider (Twilio) solely for the purpose of delivering messages on our behalf, subject to Twilio's own privacy policy.

Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and is not guaranteed by Bright Coast Insurance.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Quote request data is retained for up to 3 years. SMS consent records are retained for a minimum of 4 years in accordance with CTIA guidelines.

8. Your Rights (CCPA / Florida)

Florida residents and California residents (under CCPA) have the right to:

• Know what personal information we collect about you
• Request deletion of your personal information
• Opt out of the sale of your personal information (we do not sell data)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at support@brightcoastins.com.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Security

We implement reasonable administrative, technical, and physical security measures to protect your information. However, no method of transmission over the internet is 100% secure.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page with an updated date.

12. Contact Us

If you have questions about this Privacy Policy or our SMS program, contact us at: