Privacy Policy

Effective Date: [DATE]

Cleveland Agency Group ("Cleveland Agency Group," "we," "us," or "our") is an independent, licensed life insurance and financial services agency based in Olive Branch, Mississippi, serving clients in Texas, Georgia, and Mississippi. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website at theclevelandagencygroup.com (the "Site"), call our office, or communicate with us through our website's chat feature.

We are an independent insurance agency. We are not a government agency, we are not affiliated with or endorsed by Medicare or any other government program, and we are not affiliated with any specific bank, lender, or mortgage company.

1. Information We Collect

We may collect the following categories of information:

• Contact information you provide directly, such as your name, phone number, email address, and mailing address, when you call our office or communicate with us through our website's chat feature.
• Information you share with us during a phone call or chat conversation about your insurance and financial planning needs, such as your general financial goals, family situation, or the type of coverage you're interested in.
• Technical and usage information collected automatically when you visit our Site, such as your IP address, browser type, device type, pages viewed, and referring website, typically through standard web server logs and, if enabled, analytics tools.

Our Site does not include an online lead-capture form. Any personal information we collect comes from a phone call you initiate or a conversation you have with us through our website's chat widget.

2. How We Use Your Information

We use the information we collect to:

• Respond to your questions and requests for information about insurance and financial products;
• Provide you with quotes, illustrations, and information about coverage options from the carriers we work with;
• Communicate with you about your inquiry, including by phone, text message, or email, consistent with the consent described in Section 3 below;
• Maintain records of our communications with you for compliance and customer-service purposes;
• Improve our Site and our services; and
• Comply with applicable insurance regulations and other legal obligations.

3. Communications Consent, Calls & Text Messages (TCPA Disclosure)

Because our Site does not include a lead-capture form, any calls or text messages between you and Cleveland Agency Group happen because you called our office directly or engaged with us through our website's chat feature and provided your contact information to us during that conversation.

By providing your phone number to us during a call or chat conversation and agreeing to be contacted, you expressly consent to receive calls and text messages from Cleveland Agency Group, including from Shaqueena Cleveland and other licensed agents working with our agency, at the number you provided, for purposes related to insurance and financial services information, quotes, and follow-up communication. This consent is not a condition of purchasing any product or service from us.

Message and data rates may apply to text messages. Message frequency may vary. You may opt out of receiving text messages from us at any time by replying STOP to any text message you receive from us, or by telling us directly by phone that you would like to stop receiving communications. Reply HELP to any text message for assistance, or contact us using the information in Section 11 below.

We are not responsible for any charges, fees, or delays imposed by your wireless carrier related to calls or text messages you receive from us. Message delivery is subject to the terms and limitations of your mobile carrier and is not guaranteed.

We retain records of consent and communication history, including the date, time, and nature of your consent to be contacted, for as long as reasonably necessary to comply with applicable law and to resolve any disputes regarding consent.

4. How We Share Information

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

• The insurance carriers we work with, when necessary to provide you with a quote, illustration, or application for coverage you have requested;
• Service providers who help us operate our business (such as our website chat-widget provider), under obligations to protect your information; and
• Government or regulatory authorities, when required by law, subpoena, or other legal process.

5. Cookies & Website Analytics

Our Site may use standard cookies or similar technologies for basic website functionality and, if enabled, analytics purposes to understand how visitors use our Site. Our website chat widget may also use cookies to operate the chat feature. You can control cookies through your browser settings; disabling cookies may affect some website functionality.

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. No method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, maintain business records required by insurance regulations, and comply with our legal obligations, after which it is securely deleted or de-identified.

8. Your State Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information under applicable state privacy laws, such as the Texas Data Privacy and Security Act and similar laws in other states. Where applicable, these rights may include the right to:

• Confirm whether we process your personal information and access that information;
• Correct inaccuracies in your personal information;
• Request deletion of your personal information;
• Obtain a copy of your personal information in a portable format; and
• Opt out of the processing of your personal information for purposes of targeted advertising or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise any of these rights, contact us using the information in Section 11 below. We will respond to verified requests within the time required by applicable law. If we deny your request, you may have the right to appeal that decision by contacting us directly.

9. Children's Privacy

Our Site and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Effective Date" above reflects when this Policy was last revised. We encourage you to review this Policy periodically.

Last Updated: [DATE]

11. Contact Us

If you have questions about this Privacy Policy or would like to exercise any privacy rights described above, contact us at: