Privacy Policy

Effective Date: April 21, 2026  ·  Last Updated: April 21, 2026

Arens Insurance Services LLC ("Arens Insurance," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have about your information. By using our website at arensinsurance.net, calling us, or engaging our services, you agree to the practices described in this policy.

1. Information We Collect

We collect information in three main ways:

Information you provide directly

When you contact us, request a quote, schedule a consultation, or become a client, you may provide:

• Name, address, phone number, and email address
• Date of birth, Social Security number, and government-issued ID (as required for insurance underwriting)
• Employment, income, and financial information relevant to coverage
• Health and medical information relevant to the coverage you are considering
• Information about your family members or dependents if they are to be covered under a policy
• Payment and billing information

Information we collect automatically

When you visit our website, we and our service providers may automatically collect:

• IP address, browser type, device type, and operating system
• Pages visited, time spent on pages, and referring website
• Information gathered through cookies and similar technologies

Information from third parties

We may receive information from insurance carriers, consumer reporting agencies, prior insurers, healthcare providers (with your authorization), and other sources necessary to evaluate and service your coverage.

2. How We Use Your Information

We use your information to:

• Provide insurance consultation, quotes, and policy recommendations
• Submit applications to insurance carriers on your behalf
• Service existing policies, including claims assistance and renewals
• Respond to your inquiries and communicate with you about your coverage
• Send appointment reminders, policy updates, and service notifications (by email, phone, or text message — see Section 4)
• Comply with legal, regulatory, and licensing obligations
• Improve our website and services

3. How We Share Your Information

We do not sell your personal information. We share information only as needed to provide services to you or as required by law, including with:

• Insurance carriers and underwriters we work with on your behalf, including Aflac and other licensed insurers
• Service providers that help us operate our business (scheduling, communications, website hosting, customer relationship management), who are contractually required to protect your information
• Regulatory and government authorities when required by law, subpoena, or other legal process
• Professional advisors such as attorneys and auditors, subject to confidentiality obligations

We do not share your information with third parties for their own marketing purposes without your consent.

4. Text Messaging and Communication Consent

When you provide your phone number to Arens Insurance Services — through our website, during a phone call with our receptionist or one of our agents, or on an insurance application — you consent to receive communications from us at that number. These communications may include appointment reminders, consultation confirmations, policy updates, and responses to questions you have asked us.

Communications may be delivered by phone call or text message (SMS). Standard message and data rates from your carrier may apply. Message frequency varies based on your interactions with us.

You can opt out of text messages at any time by replying STOP to any text message you receive from us. To request help, reply HELP or contact us directly at the phone number or email listed at the bottom of this policy. Opting out of text messages will not affect your ability to receive other services from Arens Insurance.

We will not share your phone number or your consent to receive text messages with any third party for their own marketing purposes.

5. Health Information (HIPAA)

Some of the information we collect to help you obtain insurance coverage is protected health information under the Health Insurance Portability and Accountability Act (HIPAA) and related state laws. We handle this information in accordance with applicable law. We will not use or disclose your health information for purposes other than those described in this policy without your written authorization, except as permitted or required by law.

6. Cookies and Website Tracking

Our website uses cookies and similar technologies to remember your preferences, understand how visitors use our site, and improve the experience. You can disable cookies through your browser settings, though some parts of the site may not function properly without them. We do not currently respond to "Do Not Track" browser signals.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If you believe your information has been compromised through your interaction with us, please contact us immediately.

8. Data Retention

We retain your personal information for as long as necessary to provide services, maintain our business records, comply with legal and regulatory requirements, and resolve disputes. Retention periods vary by information type and may be mandated by insurance industry regulations.

9. Your California Privacy Rights

If you are a California resident, you may have the following rights under the California Consumer Privacy Act (CCPA) and California Insurance Information and Privacy Protection Act:

• Right to know what personal information we have collected about you and how we use it
• Right to access a copy of your personal information
• Right to correct inaccurate information
• Right to delete personal information, subject to exceptions for information we are legally required to retain
• Right to opt out of the sale or sharing of personal information — we do not sell your personal information
• Right to non-discrimination for exercising your privacy rights

To exercise any of these rights, contact us using the information below. We will verify your identity before processing requests involving sensitive information.

10. Children's Privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will take appropriate steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated through our website or directly to clients as required by law.

12. Contact Us

If you have questions about this Privacy Policy or our information practices, or if you wish to exercise any of your rights, please contact us: