Bee Wise Insurance, LLC is committed to protecting your personal information.
Bee Wise Insurance, LLC (hereinafter referred to as “Bee Wise Insurance,” the “Agency,” “we,” “us,” or “our”) is committed to maintaining the privacy, confidentiality, integrity, and security of personal information obtained in connection with its insurance brokerage, marketing, lead generation, customer acquisition, and related business operations.
This Privacy Policy (the “Policy”) governs the collection, acquisition, processing, use, disclosure, storage, retention, and protection of personal information obtained from prospective insureds, applicants, policyholders, website visitors, business contacts, and other individuals.
This Policy applies to information obtained through the Agency's website, insurance applications, online forms, telephone communications, electronic mail, SMS messaging, marketing campaigns, referral relationships, authorized lead generation sources, and other lawful business channels.
The Agency shall conduct its information handling and communication practices in accordance with applicable federal and state laws, including, where applicable, the Telephone Consumer Protection Act (“TCPA”), the Telemarketing Sales Rule, insurance privacy requirements, and applicable Colorado consumer protection and telecommunications laws.
In the ordinary course of business, the Agency may collect, receive, process, and maintain personally identifiable information, nonpublic personal information, and other information reasonably necessary to conduct its insurance and marketing operations.
Such information may include, without limitation:
A. Personal Identification Information
Full legal name, residential address, mailing address, telephone number, mobile telephone number, email address, date of birth, and other identifying information.
B. Insurance and Underwriting Information
Existing insurance coverage, policy details, claims history, driving records, vehicle information, property characteristics, coverage preferences, risk exposures, and other information relevant to insurance eligibility, underwriting, or policy servicing.
C. Financial and Transactional Information
Financial, billing, payment, credit-related, and transactional information reasonably necessary to facilitate insurance quotations, applications, underwriting, billing, and authorized insurance transactions.
D. Commercial and Business Information
Business names, organizational information, operational characteristics, commercial exposures, employee-related information, and other information relevant to commercial insurance products and services.
E. Marketing and Prospect Information
Contact information, insurance interests, lead source information, referral details, prior inquiries, marketing preferences, and records of communications or consent associated with prospective customers.
F. Electronic and Technical Information
Internet Protocol addresses, browser characteristics, device identifiers, cookies, website usage information, and other technical data obtained through electronic interactions.
G. Communications and Correspondence
Information submitted through online forms, telephone inquiries, email correspondence, SMS communications, and other interactions with the Agency or its authorized representatives.
The Agency may obtain personal information from lawful third-party sources, including insurance carriers, insurance industry databases, referral partners, marketing service providers, lead generation companies, publicly available sources, and other authorized business partners.
The Agency's receipt or possession of contact information obtained from a third-party source shall not, by itself, constitute proof of consent to receive marketing calls or SMS communications.
Where consent is required, the Agency shall rely upon an appropriate and legally sufficient basis for initiating such communications.
The Agency may collect, process, maintain, and utilize personal information for legitimate business purposes, including, without limitation:
Preparing, comparing, and presenting insurance quotations.
Evaluating insurance eligibility and facilitating underwriting.
Processing insurance applications, policy issuance, endorsements, renewals, cancellations, and other servicing activities.
Responding to inquiries from prospective and existing customers.
Conducting lawful advertising, marketing, customer acquisition, and promotional activities.
Communicating with individuals regarding insurance products, coverage options, and services that may be relevant to their expressed interests.
Following up on insurance inquiries, referrals, applications, and quotations.
Delivering authorized telephone, email, and SMS communications.
Maintaining records of communication preferences, consent, and opt-out requests.
Performing internal analytics, business development, operational improvement, and customer relationship management.
Preventing fraud, unauthorized activity, and other unlawful conduct.
Complying with applicable contractual, legal, licensing, and regulatory obligations.
Marketing and promotional activities shall be conducted subject to applicable consent requirements, communication restrictions, and consumer privacy protections.
The Agency does not sell personal information to unaffiliated third parties for their independent marketing purposes.
Subject to applicable law, the Agency may disclose personal information to authorized recipients where reasonably necessary to provide requested services, facilitate insurance transactions, conduct lawful business operations, or satisfy legal obligations.
Such recipients may include:
A. Insurance Carriers and Underwriting Partners
Insurance companies, managing general agents, wholesale brokers, underwriting facilities, and other authorized insurance industry participants.
B. Technology and Administrative Service Providers
Agency management platforms, customer relationship management providers, telecommunications providers, electronic messaging platforms, website hosting providers, payment processors, data storage providers, and other contracted vendors.
C. Marketing and Lead Generation Service Providers
Authorized advertising platforms, marketing agencies, lead management vendors, and other service providers engaged to support the Agency's lawful marketing and customer acquisition activities.
Such providers may process personal information on the Agency's behalf only for authorized business purposes and subject to applicable legal and contractual restrictions.
D. Professional Representatives
Attorneys, accountants, auditors, consultants, and other professional advisers acting within the scope of legitimate business engagements.
E. Governmental and Regulatory Authorities
Courts, regulatory agencies, law enforcement authorities, and other governmental entities where disclosure is required or otherwise permitted by applicable law.
The Agency shall endeavor to limit disclosures to information reasonably necessary for the applicable purpose.
The Agency may communicate with prospective customers, applicants, policyholders, and other individuals by telephone, electronic mail, SMS text messaging, and other lawful communication channels.
Communications may concern insurance quotations, coverage recommendations, application status, policy servicing, appointment scheduling, renewal opportunities, customer inquiries, and promotional insurance offerings.
The Agency may conduct outbound marketing and prospecting activities using contact information obtained through lawful business sources, provided that such communications are authorized under applicable law.
The Agency may offer SMS messaging programs for marketing, promotional, informational, and customer service purposes.
Where prior express consent or prior express written consent is required by applicable law, the Agency shall obtain or verify the requisite consent before initiating the applicable SMS communications.
Consent may be obtained through legally sufficient electronic forms, written authorizations, or other methods recognized under applicable law.
The submission of a telephone number, the existence of a business relationship, or the acquisition of contact information from a third-party lead provider shall not independently establish consent where additional authorization is legally required.
The Agency may utilize automated or technology-assisted messaging systems only in accordance with applicable consent requirements and restrictions.
The Agency may acquire prospective customer information from authorized referral sources, advertising platforms, lead generation companies, and other lawful sources.
Before using such information for marketing communications, the Agency shall evaluate the applicable legal requirements, including consent, do-not-call restrictions, prior opt-out requests, and any relevant limitations associated with the source of the information.
Where legally required, the Agency shall maintain or obtain appropriate documentation establishing authorization for the contemplated communications.
The Agency reserves the right to decline, restrict, or discontinue communications where the validity or sufficiency of consent cannot be reasonably established.
SMS consent is not shared with third parties or affiliates for marketing or promotional purposes.
Mobile telephone numbers, SMS opt-in information, and records of consent obtained in connection with the Agency's SMS messaging programs shall not be sold, rented, or shared with third parties or affiliates for their independent marketing or promotional purposes.
Notwithstanding the foregoing, the Agency may disclose limited information to authorized telecommunications providers, messaging platforms, and other contracted service providers solely as necessary to facilitate the delivery, administration, security, and operation of the Agency's messaging services.
Such service providers shall not be authorized to use SMS consent information for their own independent marketing or promotional purposes.
Consent to receive marketing or promotional SMS messages is voluntary.
Consent to receive SMS communications shall not constitute a condition of obtaining an insurance quotation, purchasing insurance coverage, or receiving insurance-related services.
Message frequency may vary depending on the nature of the communication and the individual's interactions with the Agency.
Message and data rates may apply.
Recipients may revoke consent to receive SMS communications at any time by replying STOP to a text message or by contacting the Agency through an available communication channel.
Recipients may request assistance by replying HELP or contacting the Agency directly.
The Agency shall process and honor applicable opt-out and consent revocation requests in accordance with governing law and applicable messaging requirements.
The Agency may transmit a limited, nonpromotional confirmation of an opt-out request where permitted by law.
Withdrawal of SMS consent shall not prevent the Agency from communicating through other lawful channels where such communications are otherwise authorized.
These SMS Terms & Conditions apply to text messages sent by Bee Wise Insurance, LLC to individuals who have opted in to receive the applicable messages.
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
Customer Care
If you have consented to receive customer-care SMS messages from Bee Wise Insurance, LLC, you may receive text messages concerning insurance quote requests, responses to inquiries, appointment scheduling and reminders, insurance applications, policy servicing, renewal reminders, and account status updates.
Marketing
If you have separately consented to marketing SMS messages, you may receive information about insurance products, coverage options, promotional offers, policy review opportunities, and other insurance-related marketing communications.
Example Message:
“Hello, this is Bee Wise Insurance following up on your insurance quote request. Reply STOP to opt out or HELP for assistance. Message and data rates may apply.”
Marketing Example Message:
“Bee Wise Insurance: Interested in reviewing your auto or home coverage options? Contact our team to request a quote. Reply STOP to opt out or HELP for assistance. Message and data rates may apply.”
Message frequency may vary. You may receive up to ( 5 ) SMS messages per week regarding your insurance quotes, appointments, account status, policy servicing, renewals, and, if separately authorized, insurance-related marketing communications.
Standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
You may opt in to receive SMS messages from Bee Wise Insurance, LLC by completing a website form at https://getbeewise.com/get-a-quote/ and affirmatively selecting the applicable SMS consent checkbox. Consent to customer-care messages and consent to marketing messages are separate choices. SMS marketing consent is not a condition of obtaining an insurance quote or purchasing insurance.
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at (303) 647-7463 or through our website at https://getbeewise.com/.
Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy https://getbeewise.com/privacy-policy/.
Message frequency may vary.
The Agency may engage in lawful advertising, marketing, lead generation, referral development, customer acquisition, and promotional activities in connection with its insurance products and services.
Such activities may include digital advertising, search engine marketing, social media advertising, email campaigns, telephone outreach, SMS messaging, and other lawful forms of business communication.
The Agency may use personal information, contact details, expressed insurance interests, and prior customer interactions to identify relevant insurance products and services, subject to applicable privacy and marketing requirements.
The Agency shall not interpret the publication of this Policy, the submission of personal information, or the receipt of contact information from a third party as a substitute for legally required marketing consent.
Individuals may request that the Agency discontinue marketing communications in accordance with applicable law and the procedures described herein.
The Agency's website may utilize cookies, analytics tools, and similar technologies to facilitate website functionality, evaluate visitor interactions, maintain security, and improve the performance of its digital services.
Information collected through such technologies may include browser characteristics, device identifiers, IP addresses, website navigation patterns, and related technical information.
Visitors may adjust browser settings to restrict certain technologies, although such restrictions may affect website functionality.
Any use of advertising or analytics technologies involving personal information shall be subject to applicable privacy requirements.
The Agency maintains reasonable administrative, technical, and physical safeguards intended to protect personal information against unauthorized access, acquisition, disclosure, alteration, destruction, or misuse.
Such safeguards are intended to be appropriate to the nature and sensitivity of the information processed and the risks reasonably associated with its collection, transmission, and storage.
Access to personal information shall be restricted, as appropriate, to authorized personnel, representatives, and contracted service providers with a legitimate business need.
Notwithstanding these measures, no electronic transmission, processing system, or data storage environment can be guaranteed to be entirely free from security risks.
Accordingly, the Agency makes no representation or warranty concerning the absolute security of information transmitted electronically.
The Agency may retain personal information for such periods as are reasonably necessary to fulfill legitimate business purposes, administer insurance transactions, maintain required records, resolve disputes, and comply with applicable legal and regulatory obligations.
Records concerning marketing communications, consent, opt-out requests, and customer interactions may be maintained where reasonably necessary to demonstrate compliance with applicable law.
Upon expiration of the applicable retention period, information shall be securely disposed of, deleted, de-identified, or otherwise handled in accordance with applicable requirements and established information management practices.
Subject to applicable law, individuals may possess rights concerning access to, correction of, or disclosure of certain personal information maintained by the Agency.
Requests relating to personal information may be submitted using the contact information provided in Section 15.
The Agency may require reasonable verification of identity and authority before responding to requests involving protected information.
Individuals may withdraw consent to optional marketing communications through the applicable unsubscribe, opt-out, or contact procedures.
The Agency shall maintain and honor applicable communication restrictions in accordance with governing law.
Certain information may be retained notwithstanding an opt-out or deletion request where necessary to comply with legal obligations, preserve records of consent or suppression requests, or protect legitimate legal interests.
The Agency's website may contain hyperlinks to websites, applications, or platforms operated by insurance carriers, service providers, and other independent third parties.
Such websites may maintain privacy policies and information handling practices separate from those of the Agency.
Except as otherwise required by applicable law, the Agency assumes no responsibility for the independent content, security, or privacy practices of third-party websites.
Users are encouraged to review applicable third-party privacy policies before submitting personal information.
The Agency's website is not directed toward children under thirteen (13) years of age, and the Agency does not knowingly solicit personal information directly from such children through its website without legally sufficient authorization.
Information concerning minors may be collected where reasonably necessary for legitimate insurance transactions and where permitted by applicable law.
If the Agency becomes aware that personal information has been collected in violation of applicable children's privacy requirements, appropriate corrective action shall be undertaken.
The Agency reserves the right to amend, supplement, revise, or otherwise modify this Privacy Policy periodically to reflect changes in applicable law, regulatory guidance, business practices, technology, or operational requirements.
Any revised Policy shall be published on the Agency's website with an updated effective or revision date.
The publication of a revised Policy shall not substitute for affirmative consent where such consent is independently required by applicable law.
Questions, concerns, or requests relating to this Privacy Policy, the Agency's information handling practices, marketing communications, or applicable privacy rights may be directed to:
Privacy Policy | Terms of Use | Site Map
