Privacy Policy

1. Who We Are

The party responsible for your information under this Policy.

This Privacy Policy is issued by Libertas Group, LLC, doing business as Libertas Insurance ("Libertas," "we," "us," or "our"). Libertas is a licensed independent insurance producer (also called a broker or agency).

• Producer of record: Kyle Kriegel
• National Producer Number (NPN): 20767295
• Mailing address: Libertas Insurance, 210 N 6th St, Waco, TX 76701
• Phone: (254) 304-5173
• Email: service@libertasinsurance.com

This Policy applies to information we collect through our website at libertasinsurance.com and its subdomains (including quote.libertasinsurance.com), our AI-assisted chat, our online quote forms, our checkout/bind page, and any voice, text, or email communications you have with us. It also applies to information we receive about you from carriers, data providers, and other third parties when we are shopping or servicing coverage for you.

2. Information We Collect

The categories of personal information that flow through our quoting, binding, and service workflows.

Information you provide directly

• Identification and contact information — full name, date of birth, marital status, mailing and property addresses, email address, and phone number.
• Driver and vehicle information — driver's license number and state, license status, occupation, vehicle identification number (VIN), make/model/year, garaging address, annual mileage, vehicle use, and information about other drivers in your household.
• Property information — address, year built, square footage, construction type, roof condition, prior claims, occupancy, and similar property characteristics needed to rate a home, renters, or dwelling policy.
• Prior insurance information — current or prior carrier name, policy effective dates, coverage limits, and any lapses or non-renewals.
• Financial information — payment account details (bank routing/account or card number) you provide at checkout to fund your policy. As described in Section 10, this information is encrypted in your browser before it is transmitted.
• Communications — the content of chat messages, text messages, emails, and phone conversations you have with us or with our AI-assisted intake.
• Other information you volunteer — anything else you choose to tell us, including notes about your coverage needs, household members, claims history, or special circumstances.

Information we collect automatically

• Device and browser information — IP address, device type, browser type and version, operating system, language preference, and approximate location derived from IP address.
• Usage information — pages viewed, time spent on the site, the path you took through our quote flow, whether you completed or abandoned a quote, and which options you selected.
• Session identifiers — cookies or similar identifiers used to keep you logged into your quote session and to persist your progress if you refresh the page.

Information we receive from third parties

• Motor vehicle records (MVR) — driving history, license status, and violations from state motor vehicle departments through our data providers.
• Credit-based insurance scores — an insurance score derived from consumer credit information. This is not a traditional credit score and is used only to rate insurance, as permitted by state law.
• Property data — public-record and proprietary data about the home you want to insure, including roof age, construction, square footage, and prior claims signals.
• Loss history — prior insurance claims you have reported, reported by other carriers, or visible in industry databases.
• Carrier underwriting decisions — the rates, eligibility decisions, declines, surcharges, discounts, and other underwriting outputs returned by carriers when we shop your risk.

We do not collect Social Security numbers in the quote flow. Some carriers may request the last four digits of an SSN at the bind step; if that happens, the request comes from the carrier, not from us, and we transmit the value to the carrier without retaining it as standalone data.

3. Where We Get It

The pipelines through which your information reaches us.

• From you, through our chat interface, web forms, voice calls, texts, and emails.
• From licensed data providers we contract with to obtain motor vehicle records, property data, credit-based insurance scores, and loss history. These providers are bound by their own privacy and security obligations.
• From insurance carriers in our panel when we submit a quote or bind request on your behalf. Carriers return rates, underwriting decisions, eligibility flags, and (after binding) policy documents.
• From referral partners if you reached our site through a co-branded landing page (for example, a real-estate or mortgage partner). In that case the partner may share your name, contact information, and the property in question with us so we can prepare a quote.
• From your devices automatically, as described in Section 2.

4. How We Use Your Information

Every purpose for which we process your personal information.

• To prepare and present insurance quotes. We submit your information to the carriers in our panel and to the data providers we use to rate accurately.
• To bind, issue, and service insurance policies placed through Libertas, including the encrypted handoff of payment information to the carrier.
• To communicate with you about your quote, your policy, billing, claims, renewals, cancellations, and customer-service questions.
• To verify your identity and prevent fraud, including detecting unauthorized use of payment information.
• To improve our service, including reviewing chat transcripts and conversation outcomes to refine our AI intake, fix problems, and train Libertas staff.
• To comply with legal and regulatory obligations, including record-keeping requirements imposed on insurance producers and responses to lawful requests from state insurance departments, courts, or law enforcement.
• To send you marketing communications from Libertas about coverage you may want, renewal opportunities, and educational content — only when you have provided contact information for that purpose. You can opt out at any time as described in Section 8.
• To operate, secure, and maintain our website and systems, including measuring traffic and diagnosing technical issues.

5. How We Share Your Information

Who we disclose your personal information to, and why.

Insurance carriers in our panel

To shop and bind your coverage, we send your application information to one or more carriers in our panel. The current panel includes nationally rated carriers such as Travelers, Liberty Mutual, Safeco, Progressive, National General, Foremost, Mercury, Bristol West, Allied Trust, Germania, Hartford, Allstate, Tower Hill, Orion180, and Porch Insurance, among others. The exact set we shop depends on your state, the product (auto, home, etc.), and the carrier's appetite. The current list is available on request.

Data and rating providers

To rate accurately, we share targeted information with licensed providers of motor vehicle records, property data, credit-based insurance scores, and loss history. These providers are contractually limited to using the information for our quoting purpose.

Service providers

We rely on third parties to host our website, send transactional emails, send text messages, store data, process payment, and provide AI services that power our chat. These providers process personal information only on our behalf and only for the services we have engaged them to provide.

Affiliates and successors

We may share information with an affiliated entity or with a successor entity in the event of a corporate merger, acquisition, financing, reorganization, bankruptcy, or sale of assets. We will require the recipient to honor this Policy with respect to your information.

Legal and safety

We may disclose information when required by subpoena, court order, regulatory request, or other legal process, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, the safety of others, or to investigate fraud.

With your direction

If you authorize us to share your information with another party — for example, your mortgage lender or a co-applicant — we will do so consistent with your authorization.

6. AI-Assisted Service

How we use artificial intelligence in our quoting workflow, and what that means for your information.

Parts of our quote intake are handled by an AI-assisted conversation. When you chat with us at libertasinsurance.com or quote.libertasinsurance.com, your messages are processed by an AI system that asks for the information needed to quote your coverage. A licensed Libertas Insurance agent reviews every bind request before any policy is issued, and is responsible for the final policy quoted to you.

What this means for your information

• Your chat messages are processed by a third-party AI service that we contract with. The AI service operates under a commercial agreement that prohibits it from using your conversation to train general-purpose models or for any purpose other than processing your request for Libertas.
• Transcripts are stored on Libertas systems so a licensed agent can review the conversation, follow up with you, fix problems, refine our workflow, and meet record-keeping requirements that apply to insurance producers.
• The AI cannot bind insurance. Only a licensed Libertas agent, working with the relevant carrier, can bind coverage. Anything the AI tells you about a quote is preliminary until a licensed agent confirms it.
• The AI can make mistakes. If something it tells you looks wrong, please contact us directly at (254) 304-5173 or service@libertasinsurance.com and we will correct it.
• You can talk to a human at any time. Simply ask the AI for a callback, or call or email us using the contact information above.

Automated decision-making

Libertas does not use the AI to make final underwriting decisions. Underwriting decisions — whether to offer you coverage, at what price, and on what terms — are made by the insurance carriers, who use their own rating algorithms (which may themselves rely on automated processing). The credit-based insurance score that influences your rate is generated by a third-party scoring model. You have the right to ask any carrier that declines you for the reasons under the Fair Credit Reporting Act and your state's insurance code.

7. Consumer Reports & Your Authorization

What you authorize when you ask us for a quote.

When you provide us with information sufficient to identify you and ask us to prepare an insurance quote — including by completing our chat, our quote form, or by giving us this information by phone — you authorize Libertas and the carriers we shop with to obtain "consumer reports" about you, including:

• Motor vehicle records from your state(s) of license;
• Credit-based insurance scores, which are derived from your consumer credit information and used solely for insurance underwriting;
• Prior loss history reports identifying past insurance claims;
• Property data reports describing the home or other property you have asked us to insure.

Under the federal Fair Credit Reporting Act (FCRA) and equivalent state laws, you have the right to:

• Receive a copy of the consumer report used in any adverse decision (such as a decline, surcharge, or higher premium);
• Dispute information you believe to be inaccurate, directly with the consumer reporting agency;
• Ask the carrier that made the decision for the specific reasons that affected your rate, including the principal factors in any credit-based insurance score.

If you would like us to help you understand a consumer-report-driven decision, please contact us at (254) 304-5173 or service@libertasinsurance.com.

8. Calls, Texts, and Emails

How and when we contact you, your consent, and how to opt out.

Service communications

By providing us with your phone number or email address in our quote flow, you consent to receive service-related communications from Libertas Insurance about your quote, your policy, billing, claims, renewals, and similar matters. These communications may be delivered by email, text message (SMS), or voice call, including by automated systems and prerecorded messages. Service communications are not "marketing" and do not require separate consent.

Marketing communications

We may also send marketing communications about coverage, education, and offers, by email, text, or voice. By providing your contact information in our quote flow you consent to receive marketing communications about insurance products Libertas offers. Consent is not a condition of purchasing any insurance product. You can opt out at any time at no cost:

• Text: Reply STOP to any Libertas text message. You will receive one confirmation message, after which we will not text you again unless you re-opt in. Reply HELP for help.
• Email: Click the "unsubscribe" link at the bottom of any Libertas marketing email.
• Phone: Tell us during a call, or email service@libertasinsurance.com or call (254) 304-5173 and ask to be added to our do-not-call list.

Quote follow-up sequences

If you start a quote and leave before finishing, or your final rates arrive after you leave, we may send a short, limited series of follow-up emails and/or texts with your quoted numbers and a secure link back to your quote. The series stops immediately when you bind, when it runs its course, or when you opt out — whichever comes first. Every message identifies Libertas Insurance, and every text supports STOP. We honor all opt-outs promptly and in all cases within ten (10) business days.

Message rates

Standard message and data rates from your wireless carrier may apply. Libertas does not charge for service or marketing texts. Message frequency varies based on your quote and policy activity.

Call recording

For training, quality, and compliance purposes, we may record telephone calls with Libertas staff. We will disclose recording at the start of the call where required by the law of your state. If you do not consent to recording, please tell us at the start of the call and we will conduct the call without recording, accept a written communication instead, or end the call.

9. Cookies and Online Tracking

What we set on your device and what we do with it.

Our websites use cookies and similar technologies (such as localStorage and sessionStorage) to make the quote flow work and to remember your progress.

Categories we use

• Strictly necessary — cookies and storage required to operate the quote flow, persist your session across page refreshes, encrypt your payment information in your browser, and prevent fraud. You cannot disable these without breaking the service.
• Performance and analytics — if we enable analytics in the future, we will use limited, privacy-respecting analytics to measure pages viewed, drop-off points, and aggregate conversion rates. As of the effective date of this Policy, no third-party analytics scripts are deployed on our quote flow.
• Marketing and advertising — if we use online advertising in the future, advertising platforms may set cookies to measure ad performance. We will update this Policy and notify you on the site before enabling any third-party marketing cookies.

Do Not Track

Our site does not currently respond to "Do Not Track" browser signals because no consensus standard exists for how they should be honored. We will, however, honor a "Global Privacy Control" (GPC) signal from your browser as an opt-out request to the extent required by your state's privacy law.

10. How We Protect Your Information

Our administrative, technical, and physical safeguards.

We use administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include:

• Client-side payment encryption. When you enter payment information at checkout, your payment details are encrypted in your browser, on your device, using public-key cryptography before they are sent to us. The plaintext payment values never leave your device. Only authorized Libertas staff, in possession of the corresponding private key, can decrypt the values to enter at the carrier.
• Transport encryption. All communications between your device and our servers use industry-standard TLS encryption.
• Access controls. Access to personal information inside Libertas is limited to the staff who need it to do their jobs, and is logged.
• Service-provider security. We contract with hosting, database, communications, and AI service providers that maintain their own security programs and that contractually commit to confidentiality and security obligations.
• Vendor minimization. We aim to share with each provider only the categories of information they need to perform their task.

No method of transmission or storage is perfectly secure. We cannot guarantee absolute security. If a breach of unencrypted personal information occurs, we will notify affected individuals consistent with applicable state data-breach notification laws.

11. How Long We Keep Your Information

Retention by category and purpose.

We retain personal information only as long as we have a business or legal reason to do so. The principal retention buckets are:

If you ask us to delete your information and we are legally required to keep it longer, we will tell you the basis and the period.

12. Your Privacy Rights

What you can ask us to do with your personal information.

Rights available to everyone

Regardless of where you live, you can ask us to:

• Confirm what we have on file about you and provide a copy of your insurance file;
• Correct information you believe is inaccurate;
• Delete personal information we no longer need for a legal or insurance purpose;
• Opt out of marketing communications, as described in Section 8;
• Withdraw your consent to any processing that depended on your consent. Withdrawal does not affect processing that already took place.

To make a request, email service@libertasinsurance.com with the words "Privacy Request" in the subject line, or call (254) 304-5173. We will verify your identity before acting on requests that involve sensitive information.

California residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act and the California Privacy Rights Act, including the right to know the specific categories and pieces of personal information we have collected about you, the right to delete personal information (subject to insurance-record exceptions), the right to correct inaccurate information, the right to opt out of any "sale" or "sharing" of personal information (we do not engage in either), and the right to limit our use of "sensitive personal information" (we use sensitive personal information only for the purposes permitted by California law without a separate opt-in). To exercise California rights, use the contact methods above. We will not discriminate against you for exercising California rights.

Other state residents

If you live in another state that has enacted a comprehensive consumer privacy law (such as Colorado, Connecticut, Virginia, Utah, Oregon, Montana, Tennessee, Florida, Iowa, Indiana, Delaware, New Jersey, New Hampshire, Maryland, or others), please reach out using the contact information above and we will treat your request consistent with the rights granted by your state's law.

Note that insurance is a heavily regulated industry. Some state privacy laws specifically exempt information processed under the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, or your state's insurance code. Where an exemption applies, we will honor whichever framework gives you the most protection.

13. Gramm-Leach-Bliley Privacy Notice

Federally required notice for financial institutions.

To limit our sharing for marketing purposes: follow the opt-out steps in Section 8 of this Policy, or contact us as described in Section 16.

14. Children's Privacy

We do not knowingly collect information from children under 18.

Our services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided personal information to us, please contact us so we can delete it. If we learn that we have collected personal information from a child under 18 without verifiable parental consent, we will delete it promptly.

Some auto insurance products require listing household drivers under 18. Where that information is required, we collect it from the parent or guardian, not from the minor.

15. Changes to This Policy

How we keep this Policy current.

We may update this Policy from time to time to reflect changes in our practices, our service providers, applicable law, or for clarity. The "Last updated" date at the top of this page will indicate when the most recent version was published. Material changes — for example, new categories of personal information collected, new categories of recipients, or new uses materially different from those described here — will be highlighted on the site and, where required by law, communicated to you directly.

Continued use of our website or our services after the "Effective" date of an updated Policy constitutes your acceptance of the updated Policy.

16. How to Reach Us

Privacy questions, requests, and complaints.

If you have any question about this Privacy Policy, want to exercise a privacy right described above, or want to make a privacy complaint, please contact us using any of the methods below. We will acknowledge privacy requests within 10 business days and substantively respond within 45 days (or longer where permitted by law if a request is complex, in which case we will let you know).

If you are not satisfied with our response, you may contact your state insurance regulator or state attorney general's office. California residents may also contact the California Privacy Protection Agency at cppa.ca.gov.