Privacy Policy & SMS Terms and Conditions

Last Updated: September 18, 2026

The Rios Insurance Agency LLC (“Rios Insurance Agency,” “we,” “us,” or “our”) respects your privacy. This policy explains what personal information we collect, how we use and share it, and the terms that apply when you agree to receive text messages from us.

Information We Collect

We may collect personal information that you provide directly to us, including:

• Name, mailing address, email address, and telephone number
• Date of birth and driver’s license information
• Vehicle, property, household, business, and insurance information
• Current and prior insurance coverage and claims information
• Information necessary to prepare quotes, submit applications, service policies, or assist with claims
• Payment and billing information
• Communications submitted through telephone calls, emails, text messages, website forms, or other methods

When you visit our website, we may also collect technical information such as your IP address, browser type, device information, pages visited, and information collected through cookies or similar technologies.

How We Use Personal Information

We may use your personal information to:

• Prepare insurance quotes and compare coverage options
• Submit insurance applications and service policies
• Process transactions and requested services
• Communicate with you about quotes, applications, policies, payments, renewals, cancellations, claims, inspections, appointments, and documents
• Send requested email and SMS communications
• Verify information and help prevent fraud
• Improve our website, services, and customer experience
• Satisfy legal, regulatory, contractual, and insurance-industry requirements
• Protect our clients, employees, rights, and business operations

How We Share Personal Information

We may share personal information when reasonably necessary to provide insurance products or services. This may include sharing information with:

• Insurance companies, managing general agencies, wholesalers, and insurance-service providers
• Claims administrators, inspectors, premium-finance companies, payment processors, and technology providers
• Mortgage companies, lenders, lienholders, title companies, and escrow companies when authorized or necessary to provide requested insurance services
• Government agencies, regulators, law-enforcement authorities, and other parties when required by law
• Professional advisers and service providers that assist us with operating our business and are expected to protect the confidentiality of the information

We do not sell your personal information.

SMS consent and mobile opt-in information are not shared with third parties or affiliates for marketing or promotional purposes. Text-message originator opt-in data and consent will not be sold, rented, or shared with third parties.

We may use a service provider to deliver text messages on our behalf. Such providers may use SMS information only to provide messaging services for Rios Insurance Agency.

SMS Terms and Conditions

By providing your mobile telephone number and opting in to receive text messages from The Rios Insurance Agency LLC, you agree to receive SMS communications related to your insurance inquiry or customer relationship.

Messages may include:

• Insurance quote and application updates
• Policy and coverage notifications
• Payment and billing reminders
• Renewal, expiration, and cancellation notices
• Inspection and underwriting requirements
• Document and signature requests
• Claim-related follow-ups
• Appointment reminders
• Account notifications and customer-service communications
• Promotional or marketing messages when separately authorized

Messaging frequency may vary. Message and data rates may apply.

To opt out at any time, reply STOP to any text message. You may receive one final message confirming your opt-out. You will not receive additional text messages unless you provide consent again.

For assistance, reply HELP, call (209) 354-3000, email info [at] riosinsuranceagency [dot] com, or visit https://www.riosinsuranceagency.com/.

Consent to receive SMS messages is not a condition of purchasing insurance or receiving services. Mobile carriers are not responsible for delayed or undelivered messages.

Cookies and Website Information

Our website may use cookies and similar technologies to improve functionality, understand website usage, and enhance the user experience. You may limit cookies through your browser settings, although disabling cookies may affect certain website features.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no electronic transmission or storage system can be guaranteed to be completely secure.

Third-Party Websites

Our website may contain links to third-party websites. Those websites maintain their own privacy practices. We are not responsible for their content, security, or privacy policies.

Children’s Privacy

Our website and services are not directed to children under 13. We do not knowingly collect personal information directly from children under 13 through our website.

Your Privacy Choices

You may contact us to request that we correct or update personal information you previously provided. We may need to retain certain information to service an insurance policy, comply with legal requirements, or maintain appropriate business records.

You may unsubscribe from marketing emails by following the instructions included in the email. You may withdraw SMS consent at any time by replying STOP.

Add the following section immediately before “Changes to This Policy”:

Your Consent

By using our site, you consent to our Privacy Policy and SMS Terms and Conditions.

Providing a mobile telephone number alone does not constitute consent to receive text messages. SMS consent is obtained separately when you affirmatively opt in to receive SMS communications from The Rios Insurance Agency LLC.

Changes to This Policy

We may update this Privacy Policy and SMS Terms and Conditions periodically. Changes will be posted on this page with an updated “Last Updated” date.

Contact Us

If you have questions about this policy or our privacy practices, please contact:

The Rios Insurance Agency LLC

1215 Commerce Avenue Atwater, CA 95301

Phone: (209) 354-3000

Email: info [at] riosinsuranceagency [dot] com

Website:https://www.riosinsuranceagency.com/