Privacy Policy
1. Introduction
Stone Harbor Insurance Agency LLC ('Stone Harbor Insurance,' 'we,' 'our,' or 'us') is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at stoneharborinsurance.io or contact us for insurance services. Please read this policy carefully. If you disagree with its terms, please discontinue use of this site.
2. Information We Collect
Information You Provide Directly
- Name, email address, phone number, and mailing address
- Insurance coverage interests and preferences
- Health or financial information relevant to insurance qualification (provided voluntarily)
- Communications you send to us by form, email, or phone
Information Collected Automatically
- Browser type and operating system
- Pages visited and time spent on pages
- IP address and general geographic location
- Referring URLs and exit pages
- Cookies and similar tracking technologies
3. How We Use Your Information
- To respond to your inquiries and provide insurance guidance
- To connect you with licensed agents and insurance carriers
- To send you requested information about coverage options
- To comply with legal obligations
- To improve our website and services
- To send SMS communications if you have provided consent (see Section 5 below)
4. How We Share Your Information
We do not sell your personal information to third parties. We may share your information with:
- Licensed insurance carriers and their agents for the purpose of obtaining quotes or coverage on your behalf
- Service providers acting on our behalf who are contractually bound to protect your data
- Law enforcement or government agencies as required by law
- Parties with your express written consent
We will never sell, rent, or trade your personal information — including your phone number or SMS consent — to any third party for their own marketing purposes.
5. SMS Consent and Terms
By providing your phone number and checking the SMS consent box, you consent to receive recurring SMS communications from Stone Harbor Insurance Agency LLC.
These messages may include service updates, marketing messages, information about coverage options and opportunities, and follow-up communications regarding your inquiries.
SMS Terms
- Message frequency may vary. You may receive up to 3 messages per week.
- Message and data rates may apply as determined by your carrier.
- Reply STOP to opt out at any time.
- Reply HELP for assistance, or contact us at info@stoneharborinsurance.io.
- You will not receive messages after opting out unless you provide renewed consent.
Your consent to receive SMS is not required as a condition of purchase or receipt of any service.
We Do Not Sell Your Data
We do not sell, rent, or share your personal information — including your phone number and SMS opt-in consent — with third parties for their own marketing purposes. Your information is used solely to communicate with you about Stone Harbor Insurance Agency LLC's services.
Third-Party Sharing
Your SMS opt-in information and consent will not be shared with any third party for marketing or promotional purposes. We may share your information only as required by law or with service providers acting on our behalf who are contractually obligated to protect your data.
Cookie and Tracking Disclosure
Our website may use cookies and similar technologies to improve your browsing experience, analyze site traffic, and personalize content. You may adjust cookie preferences through your browser settings. Continued use of this site constitutes acceptance of our use of cookies as described in this policy. California residents: see your CCPA rights below.
6. California Privacy Rights (CCPA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information we collect and how it is used
- Right to request deletion of your personal information
- Right to opt out of the sale of your personal information — we do not sell your data
- Right to non-discrimination for exercising your privacy rights
To exercise these rights, please contact us at info@stoneharborinsurance.io or call (855) 267-7633.
7. Data Security
We implement commercially reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can remove it.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new effective date. Your continued use of our site after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or your personal information, please contact us:
Stone Harbor Insurance Agency LLC
Phone: (855) 267-7633
Email: info@stoneharborinsurance.io