1. Information We Collect

When you request a quote, contact us, use our AI chat assistant, or otherwise communicate with us, we may collect your name, phone number, email address, and mailing/property address; insurance-related information such as vehicle identification numbers (VIN), number of drivers, property details, and desired coverage types; and any other information you choose to include in a message, comment, or form field.

When you visit the Site, we and our service providers may automatically collect certain technical information, such as your IP address, browser type, device type, pages visited, and the date and time of your visit, using standard web technologies such as cookies and similar tracking tools.

2. How We Use Your Information

We use the information we collect to provide insurance quotes and respond to your inquiries; contact you by phone, text message, email, or automated/AI-assisted communications about insurance products and services; operate, maintain, and improve the Site and our services; comply with legal and regulatory obligations; and communicate with insurance carriers on your behalf to obtain quotes or bind coverage, where you have requested that we do so.

3. Consent to Communications (TCPA)

By submitting your phone number through our Site, you agree that M&K Agency may contact you by phone call, text message, or automated/AI-assisted communications at the number provided regarding insurance products and services, even if that number is registered on a state or federal Do-Not-Call list. Consent to receive such communications is not a condition of purchasing any product or service. You may reply "STOP" to any text message at any time to opt out of further text communications, or contact us using the information below.

4. Cookies and Tracking Technologies

We may use cookies, web beacons, and similar technologies to recognize your browser, remember your preferences, and understand how visitors use the Site. You can typically set your browser to refuse cookies or alert you when cookies are being sent, though some parts of the Site may not function properly without them.

5. How We Share Your Information

We do not sell your personal information. We may share your information with insurance carriers and underwriters, in order to obtain quotes or bind coverage you have requested; service providers who perform functions on our behalf, such as email delivery, data hosting, customer communications platforms, and website analytics; regulators or other parties when required by law, subpoena, or other legal process; and a successor entity in the event of a merger, acquisition, or sale of some or all of our assets.

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Your Choices

You may opt out of text messages at any time by replying "STOP"; ask to review, correct, or request deletion of the personal information we hold about you, subject to our legal and business record-keeping obligations, by contacting us using the information below; and decline to provide certain information, though this may limit our ability to provide you with a quote or service.

8. Children's Privacy

The Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

9. Contact Us

M&K Agency Inc. — 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034 — Phone: (305) 859-3953

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Effective Date" and will be effective as soon as it is posted on the Site.