Privacy Policy Information
This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.
Privacy Policy
Effective Date: December 12, 2025
Davis Insurance Group ("we," "us," or "our") operates the website www.davisinsuranceok.com (the "Site"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site, interact with our services, or engage with us as an insurance client or prospective client. By using our Site or services, you consent to the practices described in this policy.
This policy complies with applicable federal and state laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA) where applicable, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the Oklahoma Insurance Data Security Act (effective July 1, 2024, with compliance deadlines through July 1, 2025), and the Telephone Consumer Protection Act (TCPA) for communications. If you are a California resident, additional rights and disclosures are outlined in Section 9 below.
We may update this policy periodically. Changes will be posted on this page with an updated effective date. Your continued use of our Site or services after changes constitutes acceptance of the revised policy.
1. Information We Collect
We collect information to provide insurance services, process quotes, manage policies, and improve your experience. The types of information include:
Personal Information
Contact Information: Name, address, email address, phone number (including mobile number for SMS communications).
Insurance-Related Information: Date of birth, social security number (or last four digits), driver's license number, health history, financial information (e.g., income, assets), beneficiary details, and policy numbers.
Sensitive Personal Information (as defined under CPRA): Health data, precise geolocation (if provided via mobile app), racial or ethnic origin (if relevant to underwriting), and biometric data (rarely collected).
Non-Personal Information
Usage Data: IP address, browser type, device information, pages visited, and time spent on the Site.
Cookies and Tracking: We use cookies, web beacons, and similar technologies to track user behavior. You can manage cookie preferences via your browser settings.
We collect this information directly from you (e.g., forms, applications), automatically (e.g., Site analytics), or from third parties (e.g., insurance carriers, credit bureaus under FCRA).
2. How We Use Your Information
We use your information for legitimate business purposes, including:
Providing insurance quotes, underwriting, issuing, and servicing policies.
Communicating with you about your policy, claims, renewals, or updates (e.g., via email, phone, or SMS).
Verifying identity and preventing fraud.
Analyzing trends to improve services (e.g., aggregated data for market research).
Complying with legal obligations, such as reporting to regulators.
Marketing our services or affiliated products, with your consent where required.
Under GLBA, we limit use of nonpublic personal information to insurance transactions unless you authorize otherwise.
3. How We Share Your Information
We do not sell or "share" (as defined under CPRA) your personal information for cross-context behavioral advertising. We may disclose information as follows:
To Insurance Partners: Carriers, reinsurers, brokers, or third-party administrators for policy processing.
Service Providers: Vendors for claims handling, IT support, or analytics (e.g., CRM systems). These parties are contractually obligated to protect data.
Legal and Regulatory: To comply with court orders, subpoenas, or laws (e.g., HIPAA for health data, Oklahoma Insurance Department under the Insurance Data Security Act).
Business Transfers: In mergers, acquisitions, or asset sales.
With Consent: For marketing or other purposes you explicitly approve.
We do not share sensitive personal information except as necessary for insurance services or with your consent.
4. Data Security
We maintain administrative, technical, and physical safeguards to protect your information, aligned with the Oklahoma Insurance Data Security Act and NAIC Model #668. This includes:
Encryption of sensitive data in transit and at rest.
Access controls, firewalls, and regular security audits.
Employee training on data handling.
Incident response plans for cybersecurity events, with notification to the Oklahoma Insurance Commissioner within 72 hours of awareness and to affected individuals as required.
Under the Oklahoma Insurance Data Security Act, we implement a written information security program based on our size and complexity. For cybersecurity events, we investigate promptly and notify consumers if personal information is reasonably believed to have been misused. We file annual attestations with the Oklahoma Insurance Department by April 15 (starting 2026) and provide board reports where applicable.
Despite these measures, no system is completely secure. In the event of a breach, we will notify you as required by law.
5. Data Retention
We retain your information only as long as necessary for business or legal purposes:
Policy-related data: Duration of the policy plus 7 years post-termination (per GLBA and IRS requirements).
Marketing consent records: At least 5 years (TCPA).
Other data: As needed for litigation, audits, or regulatory compliance, or until you request deletion.
We determine retention based on the purpose of collection and legal obligations. For CPRA purposes, we disclose approximate retention periods upon request.
6. Your Rights and Choices
You have rights regarding your information:
Access: Request details on what we hold about you.
Correction: Update inaccurate information.
Deletion: Request removal (subject to legal exceptions, e.g., policy records).
Opt-Out of Sharing/Sale: We do not sell/share, but you can opt out of targeted advertising.
Do Not Track: We honor browser Do Not Track signals where feasible.
To exercise rights, contact us at info@davisinsuranceok.com or (405) 509-4906. We respond within 45 days (extendable under CPRA). For verification, we may require proof of identity.
You may also:
Opt out of marketing emails via the unsubscribe link.
Revoke SMS consent (see Section 7).
7. SMS Text Messaging Policy
As an insurance agency, we may communicate with you via SMS for policy alerts, quotes, claims updates, or marketing (with consent). This section outlines our compliant practices under the TCPA, CTIA guidelines, and A2P 10DLC requirements (mandatory for U.S. carriers as of 2023, with ongoing enforcement in 2025).
Consent for SMS
Explicit Opt-In Required: You must provide prior express written consent before receiving marketing or non-emergency SMS. We do not use pre-checked boxes, purchased lists, or assumed consent.
Acceptable Methods:
Web form: Enter phone number and check an unchecked box with clear disclosures.
Keyword: Reply to a short code (e.g., "JOIN" to 12345).
Paper form: Signed with consent language.
Double Opt-In Recommended: We send a confirmation SMS (e.g., "Reply YES to confirm Davis Insurance alerts. Msg&data rates may apply. STOP to end.").
Required Disclosures
Every opt-in includes:
Program/Brand: "Davis Insurance Group Alerts."
Frequency: E.g., "Up to 4 messages/month."
Costs: "Msg & data rates may apply."
Help/Opt-Out: "Reply HELP for help, STOP to cancel."
Terms: Link to full Terms & Conditions and this Privacy Policy.
Message Types: E.g., "Promotional texts about insurance offers."
Opt-Out and Revocation
Reply "STOP" to any SMS to unsubscribe (immediate effect).
We recognize natural language opt-outs (e.g., "unsubscribe").
No further marketing SMS after opt-out; confirmation sent (e.g., "You are unsubscribed. Reply START to rejoin.").
Revoke consent anytime via email or phone; we honor within 10 days.
Prohibited Practices
No SMS to DNC-registered numbers without consent.
No high-risk content (e.g., phishing simulations per CTIA).
Messages sent 8 AM–9 PM local time.
We register campaigns with The Campaign Registry for 10DLC compliance, including opt-in flows and sample messages.
Record-Keeping
We store consent records (timestamp, IP, language, source) for 5+ years, auditable for TCPA compliance. Violations may result in fines up to $1,500 per message.
For questions, contact us at (405) 509-4906 or info@davisinsuranceok.com.
8. Children's Privacy
Our Site and services are not directed to children under 13. We do not knowingly collect data from children. If we learn of such collection, we will delete it promptly (COPPA compliant).
9. Additional Rights for California Residents (CCPA/CPRA)
If you are a California resident, you have enhanced rights under the CCPA/CPRA (as amended through 2025 regulations on cybersecurity audits, risk assessments, and automated decisionmaking):
Right to Know: Categories/sources of personal information collected in the past 12 months, purposes, and third parties shared with.
Right to Delete: Subject to exceptions (e.g., GLBA-required records).
Right to Correct: Inaccurate personal information.
Right to Opt-Out of Sale/Sharing: We do not sell/share; however, we honor Global Privacy Control (GPC) signals and provide an opt-out link: [Insert Opt-Out Link].
Right to Limit Use of Sensitive Personal Information: Limited to insurance necessities; opt-out for non-essential uses.
Right to Non-Discrimination: No adverse actions for exercising rights.
We conducted required risk assessments for sensitive data processing (per 2025 CPRA rules). Insurance exemptions apply under GLBA/HIPAA, but CCPA covers non-transactional data (e.g., website browsing). Submit requests via privacy@davisinsuranceok.com; appeals to the same email.
No financial incentives offered; our policy benefits you through transparency.
10. International Users
Our services are U.S.-based. If you access from outside the U.S., your data may be transferred to and processed in the U.S., where protections may differ. By providing information, you consent to this transfer.
11. Contact Us
For questions, requests, or complaints:
Email: info@davisinsuranceok.com
Phone: (405) 509-4906
Mail: Davis Insurance Group, LLC 17304 N May Ave., Ste B Edmond OK 73012
For California residents: To submit complaints to the California Privacy Protection Agency, visit cppa.ca.gov.
We are committed to resolving concerns promptly. Thank you for trusting Davis Insurance Group with your privacy.