B.A. Lazaro Insurance Services (“we,” “our,” “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website balazaroinsurance.com, use our services, or interact with us through SMS verification powered by Twilio.

1. Information We Collect
We may collect:
Personal information (name, email, phone number, address)
Insurance‑related information you provide for quotes or services
Automatically collected data (IP address, browser type, device information)
SMS verification data (phone number, verification status)

2. How We Use Your Information
We use your information to:
Provide insurance quotes and services
Verify your identity through SMS (via Twilio)
Communicate with you regarding your policy or inquiries
Improve website performance and customer experience
Comply with legal and regulatory requirements

3. SMS & Phone Number Usage
By providing your phone number, you consent to:
Receiving verification codes
Receiving service‑related messages (no marketing without explicit consent)SMS delivery is powered by Twilio, which processes your phone number solely for verification and security purposes.

4. Sharing Your Information
We do not sell your personal information. We may share information with:
Twilio (for SMS verification)
Insurance carriers (only when necessary to provide services)
Service providers assisting with website or business operations
Legal authorities when required by law

5. Data Protection
We use industry‑standard security measures to protect your information, including encryption, secure servers, and restricted access.

6. Your Rights
You may:
Request access to your data
Request corrections
Request deletion where legally permitted
Opt out of non‑essential communications

7. Cookies & Tracking
We may use cookies and analytics tools to improve website performance and user experience.