Privacy Policy

McAllen Insurance Group LLC (“McAllen Insurance Group,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

By using our website, requesting a quote, enrolling in our services, or opting into our text messaging program, you agree to the practices described in this Policy.

We collect information you provide directly to us, information collected automatically when you interact with our website, and information we receive from third parties such as insurance carriers and consumer reporting agencies.

Information you provide:

• Contact information: name, address, email, and phone number
• Date of birth, Social Security number, and driver’s license number (when required for insurance underwriting or tax preparation)
• Insurance information: prior coverage, claims history, vehicle and property details, household members, beneficiaries
• Health information (for health and Medicare products only): medical history, current medications, providers
• Financial information (for tax preparation only): income, deductions, dependents, banking details for refund routing
• Communications you send to us by phone, email, text, or web form

Information collected automatically when you visit our website:

• IP address, browser type, operating system, referring URLs
• Pages visited, time on site, and clickstream data
• Cookies and similar tracking technologies (see Section 8)

Information from third parties:

• Quotes, applications, and policy data from insurance carriers we represent
• Motor vehicle records, credit-based insurance scores, and CLUE reports from consumer reporting agencies (only when you authorize a quote)
• Lead and referral information from marketing partners who confirm they obtained your consent before sharing your information with us

We use your information to:

• Provide insurance quotes, policies, claims service, and tax preparation services you request
• Communicate with you about your policies, applications, appointments, and account
• Send you marketing communications, including email and text messages, when you have opted in
• Comply with federal and state laws and regulations applicable to licensed insurance agents and tax preparers
• Detect and prevent fraud
• Improve our website and services

This section describes how we treat phone numbers and information collected through our text messaging program.

When you opt into our text messaging program by submitting our SMS sign-up form or otherwise providing express written consent, we use your mobile phone number only to send you the messages described in our SMS Terms of Service.

Information collected through our SMS program is only shared with subcontractors that directly support the operation of the messaging program (for example, our SMS platform provider, Twilio). These subcontractors are contractually prohibited from using your information for any purpose other than delivering messages on our behalf.

You may opt out of text messages at any time by replying STOP to any message you receive from us. See our SMS Terms of Service for full details.

We share your information only as described in this Policy:

• With insurance carriers and underwriters we represent, to quote, bind, service, and renew your coverage
• With consumer reporting agencies to obtain motor vehicle records, CLUE reports, and insurance scores during the quoting process
• With service providers that help us operate our business, including our CRM, email platform, SMS platform (Twilio), website host, accounting software, and document storage providers — each bound by confidentiality obligations
• With the IRS, state tax authorities, and the Texas Department of Insurance, as required by law
• In connection with a sale, merger, or transfer of all or part of our business, subject to the same protections described in this Policy
• When required by law, including subpoenas, court orders, or government investigations

If you use our tax preparation services, federal law (Internal Revenue Code §7216) restricts how we may use or disclose your tax return information. We will not use your tax return information for any purpose other than preparing your return, unless you provide separate written consent that meets IRS requirements. This includes a prohibition on using your tax information to market unrelated products or services to you without your specific written consent.

As a licensed insurance agency, we are subject to the federal Gramm-Leach-Bliley Act (GLBA) and applicable Texas Department of Insurance regulations governing nonpublic personal financial information. We maintain physical, electronic, and procedural safeguards to protect this information and restrict access to employees and contractors who need it to provide services to you.

When you apply for health, Medicare, or supplemental health products, we may collect health-related information necessary for the application. We use this information only to place coverage with carriers and to administer your policy. Health information is treated as confidential and is not used for marketing purposes.

Our website uses cookies and similar technologies to remember your preferences, analyze site traffic, and improve user experience. You can disable cookies through your browser settings, although some site features may not function properly if you do. We may use analytics tools such as Google Analytics, which collect aggregated and anonymized information about site usage.

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. No method of transmission over the internet or method of electronic storage is 100% secure, however, and we cannot guarantee absolute security.

Texas residents have rights under the Texas Data Privacy and Security Act (TDPSA), including the right to:

• Confirm whether we are processing your personal data and access that data
• Correct inaccuracies in your personal data
• Delete personal data we have collected from you
• Obtain a copy of your personal data in a portable format
• Opt out of the sale of personal data or targeted advertising (we do not sell personal data or engage in targeted advertising as defined by the TDPSA)

To exercise these rights, contact us using the information in Section 14. We will respond within 45 days of receiving your verified request.

Residents of other states may have similar rights under their state laws. We honor verified consumer requests consistent with applicable law.

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.

Our website may contain links to third-party websites, including insurance carriers and partner sites. We are not responsible for the privacy practices of those sites, and we encourage you to review their privacy policies before providing any information.

We may update this Privacy Policy from time to time. The “Last Updated” date at the top of this page indicates when it was last revised. If we make material changes, we will provide notice on our website or by other reasonable means before the changes take effect.

For questions about this Privacy Policy or to exercise your rights, contact us at: