Privacy Policy

Overview

Kotraba Insurance Agency LLC ("we", "our", or "us") values your privacy. This policy explains how we collect, use, protect, and share the personal information you provide to us through this website and our business interactions. We are committed to complying with all applicable federal, state and insurance industry regulations regarding consumer data protection.

Information We Collect

We collect the minimum information necessary to respond to your insurance inquiry:

• Identifying Information: Your name, email address, and phone number
• Inquiry Details: The type of insurance coverage you are interested in and any related questions or notes you provide
• Technical Data: IP address and browser information (logged for security and anti-spam purposes only)
• Consent Records: A record of your TCPA opt-in consent, including timestamp

How We Use Your Information

• To respond to your insurance inquiry and provide quotes or coverage recommendations
• To contact you via your preferred method (phone, text, or email) regarding your request
• To maintain records of your consent as required by federal law
• To comply with applicable insurance licensing and regulatory requirements

Your Consent (TCPA Compliance)

Per the Telephone Consumer Protection Act (47 U.S.C. §227), we require your express written consent before contacting you using automatic telephone dialing systems, pre-recorded messages, or text messages. You provided this consent by checking the explicit opt-in box on our contact form.

You may revoke this consent at any time by:

• Calling us and requesting opt-out
• Emailing us at [email protected] with the subject line "Opt-Out"
• Sending a text reply with the word "STOP"

Upon revocation, we will remove your information from all automated communication systems within 10 business days.

Data Storage & Security

Your personal information is stored securely on our own servers under our direct control. We do not use third-party cloud storage, marketing platforms, or CRM services to store your personal data beyond what is required for email delivery. Our systems employ TLS encryption in transit and access controls to safeguard your information.

Data Sharing

We do not sell, rent, or trade your personal information. Your data may only be shared with:

• Insurance carriers — solely for the purpose of obtaining quotes and processing coverage you have specifically requested
• Legal authorities — only when required by court order, subpoena, or insurance regulatory agency mandate

Data Retention

We retain inquiry records in accordance with Missouri insurance department requirements and our internal business practices. You may request deletion of your information at any time by contacting us. Note that certain records may be retained for the minimum period required by law.

Cookies & Tracking

This website does not use tracking cookies, analytics services, or third-party ad networks. No behavioral profiling or data collection occurs beyond what you explicitly submit through our contact form.

Children's Privacy

Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from minors.

Your Rights Under Missouri Law

Resident consumers have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of automated calling systems at any time

To exercise these rights, contact us at [email protected].

Changes to This Policy

We may update this policy as regulations evolve or our practices change. Material changes will be posted on this page with an updated "last updated" date.

Contact Us About Privacy

If you have questions about this Privacy Policy or how we handle your data:

• Email: [email protected]