Privacy Policy

 Effective Date: January 1, 2026
Company Name: Five Star Shield Insurance ("we", "us", or "our")
Contact Email: info@fivestarshieldinsurance.com
Phone: 866-598-2122

OVERVIEW

Five Star Shield Insurance cares about our users’ privacy. Please read our privacy policy carefully. If you have questions, please contact us at info@fivestarshieldinsurance.com.

HOW WE HANDLE YOUR PERSONAL INFORMATION

We do not sell information about our current or former clients or their accounts to third parties. Nor do we share such information, except when needed to complete transactions at your request or to make you aware of related financial products, services, and information that we offer.

SMS Privacy & Communications Policy

• Purpose of Communications: We use your phone number to send registration and service-related SMS messages.
• Limited Data Sharing: We may share your data with service providers that help us deliver messages, but we do not sell your SMS consent or phone number to third parties for marketing.
•  You may opt out of SMS messages at any time by replying STOP to any message. For help, reply HELP or contact us at info@fivestarshieldinsurance.com or 866-598-2122. 
• Marketing Prohibition: We do not share mobile information with third parties for marketing purposes.
• Strict Prohibition Clause: We do not transfer or share consumer data with any external organizations under any circumstances, including with user consent, except as strictly required to provide the SMS service or comply with applicable law.

Measures in place to prevent unauthorized sharing of user data include, but are not limited to, encryption, access controls, and regular audits to ensure data security.

CHANGE OR DELETE INFORMATION

To change, delete, or otherwise update your personal information, please contact us at info@fivestarshieldinsurance.com. Please note it can take up to seven days for changes to become effective.

CHANGES TO POLICY

Five Star Shield Insurance reserves the right to change, modify, or amend its privacy policy at any time. Any changes will be incorporated into this posted privacy policy and effective immediately with no further obligation of notification to users. Please review this policy periodically to ensure you are aware of our most current practices.

MULTI-STATE CONSUMER PRIVACY RIGHTS 

(Texas, Colorado, Virginia, Utah, Oregon, Delaware, and Indiana Residents) 

This section applies to residents of states with comprehensive consumer privacy laws, including Texas, Colorado, Virginia, Utah, Oregon, Delaware, and Indiana. 

1. Categories of Personal Data Collected and Sources

We collect personal data that identifies, relates to, or could reasonably be linked with you. Depending on your interactions with us, this may include:

• Identifiers: Such as your name, postal address, email address, and telephone number.
• Personal & Financial Information: Such as contact details, insurance application      data, and financial information necessary to evaluate and provide life, health, or Medicare solutions.
• Characteristics of Protected Classifications: Such as age or marital status, where legally required for insurance underwriting or quotes.
• Internet or Network Activity: Such as browsing interactions and form submissions on our website.
• Sources of Data: We obtain these categories of personal data directly from you (via forms, applications, or consultations), indirectly through your use of our website, and from third-party partners or carriers involved in servicing your insurance needs.

2. Strict SMS and Data-Sharing Limitations

• Purpose of Communications: We use your phone number exclusively to send registration, appointment confirmation, and service-related SMS messages.
• Limited Service Provider Sharing: We may share your data with underlying messaging      technology service providers strictly necessary to deliver these service messages.
• Marketing & Sale Prohibition: We never sell your SMS consent, phone number, or      personal data to third parties for marketing or promotional purposes.
• Strict Prohibition Clause: We do not transfer or share consumer data with any external organizations under any circumstances, including with user consent, except as strictly required to provide the SMS service or comply with applicable law.

3. Consumer Privacy Rights and How to Exercise Them

Depending on your state of residence (such as Texas, Colorado, Virginia, Utah, Oregon, Delaware, or Indiana), you may exercise specific rights regarding your personal data:

• Right to Access & Know: Request confirmation of whether we process your personal data and access a copy of that data.
• Right to Correct: Request the correction of inaccuracies in your personal data.
• Right to Delete: Request the deletion of personal data provided by or obtained about you.
• Right to Opt-Out: Opt out of the processing of personal data for targeted advertising      or the sale of personal data (note: as established above, we do not sell data or engage in targeted advertising).
• Right to Appeal: If we decline to take action on a request regarding your consumer      rights, you may appeal our decision by contacting us. If your appeal is denied (particularly under Texas or similar state laws), you may submit a complaint to your respective State Attorney General.

RIGHT TO NON-DISCRIMINATION

You may exercise your rights under the CCPA without discrimination. We will not deny goods/services, charge different prices, or provide a different quality of service for exercising your privacy rights.

CONTACT INFORMATION

How to Submit a Request: To exercise any of these rights, please contact us at info@fivestarshieldinsurance.com, or call us at 866-598-2122. We will respond to verified consumer requests within 45 days.