Privacy Policy

This Privacy Policy explains how Precise & Affordable Risk Services LLC (“PARS,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information when you visit parsinsuranceagency.com (the “Website”), request an insurance quote, contact us, or enroll in our text messaging (SMS) program. By using the Website or our services, you agree to the practices described in this Privacy Policy.

1. Information we collect

We collect information you provide directly to us, information collected automatically when you use the Website, and information we receive from third parties in the course of quoting and servicing insurance.

Information you provide

• Contact information: first and last name, business name, mobile and business phone numbers, email address, and mailing or garaging address.
• Commercial trucking details: USDOT number, MC number, FEIN, operating authority, years in business, radius of operation, commodities hauled, vehicle and trailer information (year, make, model, VIN, value), driver information (names, dates of birth, license numbers and driving history), current carrier, prior insurance and loss history, and requested coverages and limits.
• Communications: messages, form submissions, call notes, and any documents you send us.
• Payment-related information: when you bind a policy, payment is typically processed by the insurance carrier or a premium finance company, not stored by us on this Website.

Information collected automatically

• Device and browser information, IP address, pages viewed, referring URLs, and dates and times of visits, collected through cookies and similar technologies.

Information from third parties

• Public records such as FMCSA/SAFER data, motor vehicle records, loss run reports, and information from insurance carriers, wholesalers, and managing general agents used to prepare and service your quote or policy.

2. How we use information

We use personal information to:

• Prepare, compare, and deliver insurance quotes;
• Apply for, bind, issue, renew, and service insurance policies, including certificates of insurance, filings, endorsements, and claims assistance;
• Provide customer support and respond to your questions and requests;
• Send transactional and service communications by phone, email, or text message, including quote follow-ups, policy updates, payment reminders, and account notifications;
• Verify identity and operating authority, and help prevent fraud;
• Operate, maintain, secure, and improve the Website and our services; and
• Comply with legal, regulatory, and licensing obligations.

3. Who we share information with

We do not sell your personal information. We share personal information only as needed to provide our services, including with:

• Insurance carriers, underwriters, wholesalers, and managing general agents to obtain quotes, underwrite, bind, and service your coverage;
• Premium finance companies, if you choose to finance your premium;
• Service providers that help us operate our business, such as website hosting, customer relationship management, email, telephone, and SMS delivery platforms, who may use the information only to perform services for us;
• Regulators, law enforcement, and other parties when required by law, subpoena, or legal process, or to protect our rights, customers, or others; and
• A successor entity in connection with a merger, acquisition, or sale of all or part of our business.

4. SMS / text messaging privacy

If you opt in to receive text messages from us, we collect your mobile phone number and a record of your consent. We use this information only to send you the messages you agreed to receive, as described in our Terms & Conditions.

You can opt out of text messages at any time by replying STOP. Reply HELP for assistance. Message frequency may vary, and message and data rates may apply.

5. Cookies & analytics

The Website and our e-commerce platform provider use cookies and similar technologies to keep the site working, remember your preferences, and understand how visitors use the site. You can control cookies through your browser settings; disabling some cookies may affect how the Website functions.

6. Data security & retention

We use reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. We keep personal information for as long as needed to provide our services and to meet legal, regulatory, and record-keeping requirements that apply to insurance agencies.

7. Your choices & rights

• Text messages: reply STOP to any message to opt out.
• Email: use the unsubscribe link in marketing emails. We may still send service messages about your quote or policy.
• Access and correction: you may ask to review or correct personal information we hold about you by contacting us below.
• State privacy rights: depending on where you live, you may have additional rights under applicable state law. Contact us to make a request; we will verify your identity before responding.

8. Children’s privacy

The Website and our services are intended for businesses and adults. We do not knowingly collect personal information from children under 13.

9. Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date above shows when it was last revised. Material changes will be posted on this page.

10. Contact us

See also our Terms & Conditions.