Privacy Policy

1. Information we collect

We collect both personal and non-personal information.

Information you give us

Information you submit voluntarily through our forms, phone calls, text messages, email or social channels:

• Full name
• Mobile or landline phone number
• Email address
• State of residence and age range
• Coverage interest (the type of coverage you're asking about) and, where you choose to share it, basic health or lifestyle information relevant to a quote
• Career-related information (licensing status, state) if you contact us about joining our team
• Business information (business name, type, state) if you contact us about our Commercial Partners directory
• Your consent to be contacted by phone and SMS, together with the record described in Section 4

Information collected automatically

When you browse the site, we and our providers may collect:

• IP address
• Browser type and device information
• Pages viewed, referring pages and approximate location
• Usage data collected through cookies and analytics tools

We do not knowingly collect information from children under 13.

2. How we use your information

We use the information we collect to:

• Respond to your request and prepare an accurate insurance quote
• Contact you by phone, SMS or email about coverage and services, where you have given consent
• Review and follow up on career inquiries and applications
• Manage listings and communication for our Commercial Partners directory
• Operate, secure, maintain and improve our website
• Comply with legal, regulatory and insurance-carrier obligations

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes.

3. How we share your information

We share information only with service providers who process it on our behalf, and only as needed to deliver the services you requested. These processors are contractually required to protect your information:

• HubSpot — customer relationship management and lead storage
• Resend — email notification delivery
• Twilio — voice and SMS messaging
• Vercel — website hosting and delivery
• Vercel Speed Insights — page performance measured from real visits, collected without cookies and not tied to you
• Google — website analytics
• Licensed insurance carriers, but only when you ask us to submit an application on your behalf

We may also disclose information where required by law, subpoena, or to protect our rights, safety or property.

4. Mobile numbers, SMS consent and messaging data

Mobile phone numbers and SMS consent are never shared or sold. We do not share mobile opt-in data or the contents of your text messages with third parties or affiliates for their marketing purposes. This information is used solely to communicate with you about your request.

When you check the consent box on our form, we create a record of your opt-in that includes the date and time, your IP address, the phone number provided, the exact consent wording you were shown, and the language it was shown in. We keep this record as proof of a verifiable opt-in.

Consent is not a condition of any purchase. Message frequency varies; message and data rates may apply. Reply STOP at any time to opt out, or HELP for help. See our Terms for the full messaging program description.

5. Cookies and analytics

Our website uses cookies and similar technologies to remember your language preference, measure traffic and understand how the site is used. You can block or delete cookies through your browser settings; some parts of the site may not work as intended if you do.

6. Data retention and security

We retain personal information only for as long as needed for the purposes described in this policy, or as required by insurance, tax and telecommunications recordkeeping rules. Consent records are retained for at least four years, as recommended for messaging compliance.

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

7. Your rights and choices

You may, at any time:

• Request access to, correction of, or deletion of the personal information we hold about you
• Withdraw your consent to calls, texts or email at any time — reply STOP to any text message, or contact us using the details below
• Ask us to stop processing your information for marketing purposes

Withdrawing consent does not affect the lawfulness of processing carried out before you withdrew it. We will honor your request without charge and without conditioning any service on it.

8. Third-party links

Our website links to third-party sites, including the businesses featured in our Commercial Partners directory. We are not responsible for the privacy practices or content of those sites, and we encourage you to review their policies.

9. Changes to this policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with a new "Last updated" date. Continued use of the site after an update means you accept the revised policy.

10. Contact us

If you have questions about this policy or want to exercise any of the rights described above, contact AERM Holding Corp, d/b/a Ramirez Organization:

• Email: info@ramirezorganization.com
• Phone / SMS: +1 (470) 872-2517
• Mail: 3477 Lawrenceville-Suwanee Rd, Suite C, Unit D, Suwanee, GA 30024