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 communicate with us, including by SMS text messaging.

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 opt-in data (phone number, consent status, opt-in/opt-out history)

2. How We Use Your Information
We use your information to:
Provide insurance quotes and services
Communicate with you regarding your policy, quotes, or inquiries
Send SMS text messages if you have opted in (see Section 3)
Improve website performance and customer experience
Comply with legal and regulatory requirements

3. SMS & Phone Number Usage
If you voluntarily opt in via the SMS consent checkbox on our quote form, you agree to receive SMS text messages from B.A. Lazaro Insurance Services related to insurance quote follow-ups, appointment reminders, policy/service updates, and customer support. Consent is optional and is not a condition of receiving a quote, purchase, or any service. Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP, or reply HELP for assistance. SMS delivery is powered by Twilio, which processes your phone number solely to deliver these messages.

4. Sharing Your Information
Phone numbers and SMS opt-in consent are never shared with or sold to third parties or affiliates for marketing purposes. We do not sell your personal information. We may share information with:
Twilio (for SMS message delivery)
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 SMS messages at any time by replying STOP
Opt out of other non-essential communications

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