PRIVACY POLICY

JWR Insurance Group
361 71st Ave, Suite 102
Greeley, CO 80634
(970) 401-8140

Last Updated: November 9, 2025
Effective Date: November 9, 2025

1. INTRODUCTION

JWR Insurance Group ("JWR Insurance," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us through various channels.

By using our website, submitting a form, or engaging with our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. INFORMATION WE COLLECT

2.1 Information You Provide Directly

We collect information that you voluntarily provide to us when you:

  • Fill out quote request forms (online or in person)
  • Create an account or customer profile
  • Purchase insurance products or services
  • Contact us via phone, email, text message, or in person
  • Subscribe to our newsletter or marketing communications
  • Participate in surveys, contests, or promotions
  • Submit a claim or request assistance
  • Apply for employment with JWR Insurance

This information may include:

  • Personal Identifiers: Full name, date of birth, Social Security number, driver's license number
  • Contact Information: Email address, phone number(s), mailing address, zip code
  • Insurance Information: Current insurance carrier, policy numbers, coverage details, claims history
  • Property Information: Home address, property details, vehicle information (year, make, model, VIN)
  • Financial Information: Payment method details, bank account information (for EFT payments)
  • Employment Information: Occupation, employer name, income information (when relevant to underwriting)
  • Health Information: Medical history and health status (for life and health insurance products only)
  • Communication Preferences: Preferred contact methods, opt-in/opt-out preferences for marketing

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

  • Device Information: IP address, browser type, operating system, device identifiers
  • Usage Data: Pages visited, time spent on pages, links clicked, referring URLs
  • Location Data: General geographic location based on IP address
  • Cookies and Tracking Technologies: See Section 8 for detailed information

2.3 Information from Third Parties

We may receive information about you from third parties, including:

  • Insurance Carriers: Underwriting information, policy details, claims history
  • Consumer Reporting Agencies: Credit reports, motor vehicle reports, claims history (CLUE reports)
  • Data Brokers and Marketing Partners: Demographic data, contact information
  • Social Media Platforms: If you interact with us on social media or use social login features
  • Public Records: Property records, court records (as permitted by law)
  • Referral Sources: Information from individuals who refer you to our services

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

3.1 To Provide Insurance Services

  • Process and fulfill your insurance quote requests
  • Evaluate your eligibility for insurance products (underwriting)
  • Bind coverage and issue insurance policies
  • Process policy changes, renewals, and cancellations
  • Handle claims and provide claims support
  • Communicate with you about your policies and services

3.2 For Marketing and Communications

With Your Consent, we may use your contact information to:

  • Send you insurance quotes and product recommendations
  • Provide information about available discounts and bundle opportunities
  • Send promotional emails about our services
  • Send text messages (SMS) with quotes, reminders, and promotional offers
  • Contact you by phone to discuss insurance options and provide quotes
  • Send newsletters with insurance tips, local news, and company updates
  • Invite you to participate in surveys or promotional campaigns

You can opt out of marketing communications at any time. See Section 6 for details.

3.3 To Improve Our Services

  • Analyze website usage and user behavior to improve functionality
  • Conduct market research and customer satisfaction surveys
  • Develop new products and services
  • Personalize your experience on our website
  • Test new features and technologies

3.4 For Legal and Compliance Purposes

  • Comply with federal and state insurance regulations
  • Respond to legal requests, court orders, or government inquiries
  • Prevent fraud, unauthorized transactions, and other illegal activities
  • Protect the rights, property, and safety of JWR Insurance, our customers, and others
  • Enforce our Terms of Service and other agreements

3.5 For Business Operations

  • Maintain accurate records and customer accounts
  • Process payments and manage billing
  • Provide customer support and respond to inquiries
  • Manage employment applications and employee records
  • Conduct internal audits and quality assurance

4. MARKETING COMMUNICATIONS AND CONSENT

4.1 Email Marketing

When you provide your email address through our website forms or other channels, you may receive:

  • Transactional Emails: Policy confirmations, payment receipts, claims updates (these cannot be opted out of)
  • Marketing Emails: Product recommendations, promotional offers, newsletters, insurance tips

Opt-Out: You can unsubscribe from marketing emails at any time by:

  • Clicking the "Unsubscribe" link at the bottom of any marketing email
  • Emailing us at info@jwrinsurance.com with "Unsubscribe" in the subject line
  • Calling us at (970) 401-8140 to request removal

Note: Even if you opt out of marketing emails, you will still receive important transactional and service-related emails about your policies.

4.2 SMS/Text Message Marketing

By providing your mobile phone number and expressly consenting (checking the opt-in box or replying "YES" to an opt-in message), you agree to receive text messages from JWR Insurance, including:

  • Insurance quotes and policy information
  • Appointment reminders and follow-ups
  • Promotional offers and discounts
  • Policy renewal notifications
  • General insurance tips and updates

TCPA Compliance:

  • Message Frequency: Message frequency varies. You may receive up to 4 marketing messages per month, plus transactional messages as needed.
  • Message and Data Rates: Standard message and data rates may apply. Check with your mobile carrier.
  • Carriers Supported: Messages may be delivered via AT&T, T-Mobile, Verizon, Sprint, and other major carriers.
  • Consent Not Required: Consent to receive text messages is not a condition of purchasing any goods or services from JWR Insurance.

Opt-Out: You can stop receiving text messages at any time by:

  • Replying STOP to any text message from us
  • Texting STOP to our shortcode (if provided)
  • Emailing us at info@jwrinsurance.com
  • Calling us at (970) 401-8140

After you opt out, you will receive a final confirmation text message. You may continue to receive transactional messages related to your active policies.

Help: For help or more information, reply HELP to any message or contact us at (970) 401-8140.

4.3 Phone Call Marketing

By providing your phone number and expressly consenting, you agree that JWR Insurance, our agents, and our authorized partners may contact you by phone, including:

  • Live Calls: From our licensed insurance agents
  • Prerecorded or Artificial Voice Messages: Where permitted by law
  • Autodialed Calls: Using an automatic telephone dialing system (if applicable)

Purposes of Calls:

  • Provide insurance quotes and product information
  • Follow up on quote requests and policy applications
  • Discuss coverage options and policy changes
  • Conduct policy reviews and audits
  • Offer promotional discounts and bundle opportunities

TCPA Compliance:

  • Consent to receive calls is not a condition of purchasing any goods or services from JWR Insurance
  • You may revoke consent at any time

Opt-Out: You can stop receiving marketing calls by:

  • Informing the agent during any call that you wish to be removed from our call list
  • Emailing us at info@jwrinsurance.com with your phone number and "Do Not Call" request
  • Calling us at (970) 401-8140 to request removal
  • Writing to us at: JWR Insurance Group, 361 71st Ave, Suite 102, Greeley, CO 80634

Note: Even if you opt out of marketing calls, we may still contact you regarding existing policies, claims, billing issues, or other transactional matters.

4.4 Consent Withdrawal

You may withdraw your consent for marketing communications at any time without penalty. Withdrawal of consent does not affect the lawfulness of processing based on consent before withdrawal.

After opting out, please allow up to 10 business days for your request to be fully processed. You may receive messages that were already in progress before your opt-out was completed.

5. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information to third parties. However, we may share your information in the following circumstances:

5.1 With Insurance Carriers

We share your information with insurance companies and underwriters to:

  • Obtain insurance quotes on your behalf
  • Bind coverage and issue policies
  • Process claims
  • Handle policy servicing and renewals

5.2 With Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Payment processors (to process transactions)
  • CRM and database providers (to manage customer relationships)
  • Email service providers (to send marketing emails)
  • SMS/Text messaging platforms (to send text messages)
  • Call center services (to handle customer inquiries)
  • Website hosting and analytics (to operate our website)
  • IT and security services (to protect our systems)
  • Marketing and advertising partners (to deliver targeted ads)

These service providers are contractually obligated to use your information only for the purposes we specify and to protect your information.

5.3 With Regulatory and Legal Authorities

We may disclose your information when required by law or to:

  • Comply with legal obligations, court orders, or subpoenas
  • Respond to requests from government agencies or regulators
  • Protect our rights, property, or safety
  • Investigate fraud or other illegal activities
  • Enforce our Terms of Service or other agreements

5.4 In Business Transfers

If JWR Insurance is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred to the new owner as part of that transaction. You will be notified of any such change via email or prominent notice on our website.

5.5 With Your Consent

We may share your information with other third parties when you give us explicit consent to do so.

6. YOUR PRIVACY RIGHTS AND CHOICES

Depending on your location, you may have certain rights regarding your personal information:

6.1 Access and Portability

You have the right to request access to the personal information we hold about you and, in some cases, to receive a copy of that information in a portable format.

6.2 Correction

You have the right to request that we correct inaccurate or incomplete personal information about you.

6.3 Deletion

You have the right to request deletion of your personal information, subject to certain exceptions (e.g., we may need to retain information for legal or regulatory compliance).

6.4 Opt-Out of Marketing

You can opt out of receiving marketing communications as described in Section 4.

6.5 Do Not Sell My Personal Information

We do not sell personal information. However, if you wish to opt out of certain data sharing practices, you may contact us using the information in Section 12.

6.6 Limit Use of Sensitive Personal Information

You may request that we limit our use of sensitive personal information (such as Social Security numbers, financial information, or health data) to only what is necessary to provide our services.

6.7 Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights.

6.8 How to Exercise Your Rights

To exercise any of these rights, please:

  • Email: info@jwrinsurance.com (Subject: "Privacy Rights Request")
  • Call: (970) 401-8140
  • Write: JWR Insurance Group, 361 71st Ave, Suite 102, Greeley, CO 80634

Verification: To protect your privacy, we may need to verify your identity before processing your request. We will respond to your request within 30-45 days.

7. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction, including:

  • Encryption: Sensitive data is encrypted in transit (using SSL/TLS) and at rest
  • Access Controls: Only authorized personnel have access to personal information
  • Secure Storage: Data is stored on secure servers with regular backups
  • Employee Training: Staff are trained on data privacy and security practices
  • Regular Audits: We conduct periodic security assessments and audits

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. COOKIES AND TRACKING TECHNOLOGIES

Our website uses cookies and similar tracking technologies to enhance your experience and collect information about how you use our site.

8.1 Types of Cookies We Use

  • Essential Cookies: Required for the website to function properly (e.g., session management, security)
  • Performance Cookies: Collect information about how you use our website (e.g., pages visited, time spent)
  • Functional Cookies: Remember your preferences and settings
  • Marketing Cookies: Used to deliver relevant advertisements and track ad campaign effectiveness

8.2 Third-Party Cookies

We may use third-party services (such as Google Analytics, Facebook Pixel, and advertising networks) that place cookies on your device to:

  • Analyze website traffic and user behavior
  • Deliver targeted ads on other websites
  • Measure the effectiveness of our marketing campaigns

8.3 Your Cookie Choices

You can control cookies through your browser settings. Most browsers allow you to:

  • View and delete cookies
  • Block third-party cookies
  • Clear cookies when you close your browser

Note: Disabling cookies may affect the functionality of our website.

8.4 Do Not Track

Some browsers have a "Do Not Track" (DNT) feature that signals websites not to track your browsing activity. Our website does not currently respond to DNT signals, but you can manage cookies as described above.

9. CHILDREN'S PRIVACY

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to delete that information promptly.

If you believe we have collected information from a child under 18, please contact us immediately at (970) 401-8140 or info@jwrinsurance.com.

10. CALIFORNIA PRIVACY RIGHTS

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

10.1 Right to Know

You have the right to request information about:

  • The categories of personal information we collect
  • The sources from which we collect personal information
  • The purposes for which we use personal information
  • The categories of third parties with whom we share personal information

10.2 Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions.

10.3 Right to Opt-Out of Sale/Sharing

We do not sell personal information. However, if we engage in activities that constitute "sharing" under California law (e.g., for targeted advertising), you have the right to opt out.

10.4 Right to Correct

You have the right to request correction of inaccurate personal information.

10.5 Right to Limit Use of Sensitive Personal Information

You have the right to limit our use of sensitive personal information to only what is necessary to provide our services.

10.6 Authorized Agent

You may designate an authorized agent to make requests on your behalf. We may require proof of authorization before processing such requests.

10.7 Shine the Light Law

California's "Shine the Light" law allows California residents to request information about disclosure of personal information to third parties for direct marketing purposes. To make such a request, contact us at info@jwrinsurance.com.

11. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons.

Notification of Changes:

  • The "Last Updated" date at the top of this policy will be revised
  • For material changes, we will provide prominent notice on our website or send you an email notification
  • Continued use of our website or services after changes become effective constitutes acceptance of the updated policy

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

12. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

JWR Insurance Group

Address:
361 71st Ave, Suite 102
Greeley, CO 80634

Phone: (970) 401-8140

Email: info@jwrinsurance.com

Hours:
Monday–Friday: 8:00 AM – 6:00 PM MT
Saturday: 9:00 AM – 1:00 PM MT

Data Protection Officer:
For privacy-related inquiries, you may also contact our Data Protection Officer at privacy@jwrinsurance.com

13. STATE-SPECIFIC DISCLOSURES

13.1 Colorado Residents

Colorado Privacy Act (CPA) provides Colorado residents with rights similar to those under the CCPA, including the right to access, correct, delete, and opt out of certain data processing activities.

13.2 Wyoming and Utah Residents

If you are a resident of Wyoming or Utah, you may have additional rights under state privacy laws. Please contact us for more information.

13.3 Other States

Residents of other states may have additional privacy rights under applicable state laws. We will comply with all applicable state privacy laws and regulations.

14. INSURANCE-SPECIFIC DISCLOSURES

14.1 Gramm-Leach-Bliley Act (GLBA)

As an insurance agency, we are subject to the privacy provisions of the Gramm-Leach-Bliley Act (GLBA), which requires us to provide you with a notice of our privacy practices annually.

GLBA Privacy Notice: We will provide you with a separate GLBA Privacy Notice when you become a customer, which describes our information-sharing practices in detail.

14.2 Insurance Information and Privacy Protection Act

Many states have enacted insurance privacy laws that regulate how insurance information is collected, used, and disclosed. We comply with all applicable state insurance privacy laws.

14.3 Fair Credit Reporting Act (FCRA)

We may obtain consumer reports (such as credit reports or motor vehicle reports) in connection with insurance applications and renewals. We will comply with the FCRA, including providing you with required notices and obtaining your authorization when necessary.

15. INTERNATIONAL DATA TRANSFERS

JWR Insurance is based in the United States and primarily serves customers in Wyoming, Colorado, and Utah. If you are accessing our website or services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

By using our services, you consent to the transfer of your information to the United States and other countries where we or our service providers operate.

16. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Retention Periods:

  • Active Customers: Information is retained for the duration of your relationship with us and for a reasonable period thereafter
  • Marketing Lists: Contact information is retained until you opt out or request deletion
  • Legal/Regulatory Requirements: Information may be retained longer if required by insurance regulations, tax laws, or other legal obligations
  • Claims Records: Claims information may be retained for several years after a claim is closed

When information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

17. ACCURACY AND UPDATES

It is your responsibility to ensure that the personal information you provide to us is accurate and up to date. If your information changes (e.g., new address, phone number, or email), please contact us promptly to update your records.

To update your information:

  • Email: info@jwrinsurance.com
  • Call: (970) 401-8140
  • Visit: Any of our local offices
  • Customer Portal: Log in to update your profile (if available)

18. NO GUARANTEE OF PRIVACY

While we take reasonable measures to protect your information, we cannot guarantee complete privacy or security. You acknowledge that:

  • Internet transmissions are never completely private or secure
  • Any information you transmit may be read or intercepted by others
  • You assume the risk of providing information to us

By using our website, submitting a form, or engaging with our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

END OF PRIVACY POLICY

Questions? Contact us at (970) 401-8140 or info@jwrinsurance.com

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