Effective Date: 11/27/2024

At SPIF INSURANCE & FINANCIAL SERVICES INC., (“we,” “our,” or “us”), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, and share information when you visit our website https://www.spifinsurance.com (the “Site”) and interact with our services.

By using our Site or opting into certain features, you agree to the collection and use of information in accordance with this Privacy Policy.

We collect the following types of information when you interact with our Site:

• Personal Information: This may include your name, email address, phone number, and other information you provide through forms, subscriptions, or account creation.
• Phone Numbers & SMS Consent: If you provide us with your phone number and opt in to receive SMS communications, we may use your number to send you updates, promotions, or other relevant information. You can always opt-out of SMS communications at any time by following the instructions in the message.
• Usage Data: We may collect information about how you use and interact with our Site, such as IP addresses, device types, browser information, and pages viewed.
• Cookies and Tracking Technologies: We use cookies and similar technologies to track site usage, analyze trends, and improve user experience.

We use the information we collect for the following purposes:

• To provide, improve, and personalize our services.
• To communicate with you, including responding to inquiries and sending relevant information such as promotional messages, newsletters, or updates (with your consent).
• To analyze site usage and improve the functionality of our Site.

By providing your phone number and opting in to receive SMS communications, you consent to receive updates, or alerts from us via text message. Standard message and data rates may apply. Information obtained as part of the SMS consent process will not be shared with third parties.

Important: We will not share your phone number with third parties or affiliates for marketing purposes. Your phone number will only be used by us to communicate with you directly regarding your relationship with our services.

SMS For Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications

If you have consented to receive text messages from SPIF INSURANCE & FINANCIAL SERVICES, you may receive text messages related to Insurance Policy, Renewal, Declaration and premium changes.

For Example: Hello Your renewal is coming up. Reply Stop to opt-out at any time. Message and data rates may apply, for assistance, text Help" or visit our https://www.spifinsurance.com/privacy-policy.html

The message frequency will vary and message and data rates may apply.

Our SMS message frequency will be from 50 to 1000 text messages daily across all users.

Potential Fees for SMS Messaging: Many carriers charge a fee for each message sent or received. This can vary depending on the carrier's pricing structure and whether the message is sent domestically or internationally.

Customer will Opt-In for SMS messaging from SPIF INSURANCE & FINANCIAL SERVICES verbally as they engage in a call by getting our contact info from our website located athttps://www.spifinsurance.com, during the call we ask them: "Do you agree to receive texts from SPIF INSURANCE & FINANCIAL SERVICES? Message Frequency varies. Message and data rates may apply. Text HELP for help, text STOP to opt-out. See our privacy policy at https://www.spifinsurance.com/privacy-policy.html. This consent agreement will not be shared with third parties and affiliates for marketing purposes. No SMS communication will be initiated unless consented by the customer.

Thank you for opting into SMS messages from SPIF INSURANCE & FINANCIAL SERVICES. Messaging frequency may vary. To opt out, text STOP. For assistance, text HELP or visit www.spifinsurance.com. See our Privacy Policy & Terms of Service, Message and data rates may apply.

Thank you for opting out of SMS messages from SPIF INSURANCE & FINANCIAL SERVICES. You will not receive messages from SPIF INSURANCE & FINANCIAL SERVICES. To opt back in at any time reply START.

Standard Messaging Disclosures.

Message frequency may vary

Message and data rates may apply.

You can opt out at any time by texting "STOP."

For assistance, text HELP or visit our website at www.spifinsurance.com.

Visit https://www.spifinsurance.com/privacy-policy.html for privacy policy and Terms of Service.

You can opt-out of receiving SMS communications at any time by replying “STOP” to any SMS message, or by contacting us directly at info@spifinsurance.com.

We do not sell or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: We may share information with trusted third-party service providers who assist in operating our Site and delivering services (such as payment processors, email marketing platforms, or hosting services). These providers are required to use your information only as necessary to perform their services and are prohibited from using it for their own marketing purposes.
• Legal Compliance: We may disclose your information to comply with applicable laws or respond to legal requests, such as subpoenas or government inquiries.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

• Access and Update: You can request access to, or update, your personal information by contacting us at info@spifinsurance.com.
• Opt-Out of Communications: You can opt out of receiving promotional emails or SMS communications at any time. For emails, click the “unsubscribe” link in the footer of the message. For SMS, reply “STOP” to stop receiving text messages.
• Cookies: You can adjust your browser settings to manage cookies. Please note that blocking cookies may affect your user experience on the Site.

We take reasonable steps to protect your personal information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee the absolute security of your data.

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Please review the privacy policies of any third-party sites you visit.

Our Site is not intended for children under the age of 13, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 13, we will take steps to delete that information.

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the updated policy on this page. Please review this policy periodically for updates.

If you have any questions or concerns about this Privacy Policy or our practices, please contact us at:

SPIF INSURANCE & FINANCIAL SERVICES INC

433 Airport Blvd Ste 318, Burlingame CA, 94010

Email: info@spifinsurance.com

Phone: 650-980-9828

Disclaimer: This privacy policy is intended for general informational purposes and may not meet your specific legal requirements. It is advised that you consult with a legal professional to ensure compliance with applicable laws (such as GDPR, CCPA, etc.).