Privacy Policy

Mom N Pop Insurance Inc ("we", "us", "our") is a licensed independent insurance agency. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit mnpins.com (the "Site") or interact with us by phone, text, email, or in person.

We collect personal information that you provide directly and which is collected automatically as you use the Site.

Information you may provide:

• Contact details (name, email address, phone number, mailing address)
• Insurance application data (date of birth, household composition, vehicle and property details, prior coverage and claims history)
• Driver's license, Social Security number, or similar identifiers when needed to obtain a quote or bind coverage
• Payment information when you pay premiums or other amounts related to insurance products or services, which may be processed by insurance carriers or third-party payment processors
• Any information you provide in communications to us, including in chat, text, email, voicemail, in person, or contact form messages.

Information collected automatically:

• Device and browser data (IP address, user agent, screen size, language)
• Usage data (pages viewed, time on page, referring URL, clicks)
• Cookies and similar technologies used by the Site or our analytics providers

• Prepare insurance quotes, applications, and renewals
• Communicate with you about your inquiries, policies, and claims
• Verify identity and prevent fraud
• Operate, maintain, and improve the Site and our services
• Comply with legal, regulatory, and licensing obligations
• Send transactional and, with your consent, marketing communications

We do not sell your personal information.

We share personal information only as needed to provide our services and as permitted by law:

• Insurance carriers and underwriters when we obtain quotes or place coverage
• Service providers who help us operate (hosting, email delivery, analytics, CRM, document management)
• Regulators and authorities when required by law, subpoena, or to protect our rights
• In connection with a business transfer if our agency is sold, merged, or reorganized

Insurance carriers, wholesalers, and underwriters maintain their own privacy practices and policies, which may separately apply to information submitted in connection with quotes or policies.

SMS Enrollment
By providing your mobile phone number, you consent to receive SMS messages from Mom N Pop Insurance Inc related to insurance quotes, policy updates, account notifications, and other insurance-related communications.

Message Frequency
Message frequency may vary.

Message and Data Rates
Standard message and data rates may apply.

Opting Out
You may opt out of receiving SMS messages at any time by replying with "STOP" to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number. Consent to receive SMS messages is not a condition of purchasing insurance products or services.

Help and Support
If you need assistance or have questions about our SMS service, reply with "HELP" to any SMS message you receive, or contact our team at privacy@mnpins.com or 617-362-3000.

Privacy Policy
Your phone number will be handled in accordance with our Privacy Policy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

The Site uses cookies and similar technologies to remember your preferences, measure traffic, and improve content. You can disable cookies in your browser, but parts of the Site may not work properly without them.

Tools we use:

• Google Analytics (Google LLC) — aggregate website usage measurement (pages viewed, referring URL, approximate location, device and browser). Google Analytics may set cookies such as _ga and _ga_* and may share information with Google in a way that California's CCPA/CPRA consider a "sale" or "sharing" of personal information. Learn more at Google's Privacy Policy. To opt this device out of Google Analytics across all sites, install Google's opt-out browser add-on.
• Strictly necessary cookies — used to operate features such as the contact form's anti-spam token and your cookie consent choice.

Your choices on this Site:

• When you first visit, a cookie banner lets you Accept or Reject non-essential tracking. Until you accept, Google Analytics is loaded with consent set to "denied" and will not store identifiers about you.
• You can change your choice at any time on our Your Privacy Choices page.
• Global Privacy Control: we honor the Global Privacy Control browser signal (Sec-GPC: 1). If your browser or extension sends GPC, we automatically treat the visit as opted out and do not load Google Analytics on this Site.

We keep personal information for as long as needed to provide services, meet our legal and regulatory obligations, resolve disputes, and enforce our agreements. Insurance records are typically retained for several years after a policy ends, in line with applicable state law.

Depending on where you live, you may have rights to:

• Request a copy of the personal information we hold about you
• Ask us to correct inaccurate information
• Ask us to delete information, subject to our legal record-keeping obligations
• Opt out of marketing communications by clicking "unsubscribe" in any marketing email or by contacting us
• Opt out of analytics and the sharing of personal information for tracking on our Your Privacy Choices page
• Withdraw consent we are relying on

To exercise any of these rights, email privacy@mnpins.com. We may need to verify your identity before fulfilling a request. We will not discriminate against you for exercising any privacy rights available under applicable law.

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.

The Site is not directed at children under 13, and we do not knowingly collect personal information from anyone under 13. If you believe we have, please contact us at privacy@mnpins.com and we will delete it.

The Site may link to other websites we do not operate, including insurance carrier portals. This Privacy Policy does not apply to those sites. Please review the privacy practices of any third-party site you visit.

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page shows when the most recent change was made. Material changes will be highlighted in advance when reasonably possible.

For any privacy-related question, complaint, or request:

Privacy Team · Mom N Pop Insurance Inc
Email: privacy@mnpins.com
Phone: 617-362-3000
315 University Ave Suite 224
Westwood, MA 02090