National Safety and Risk, LLC — Privacy Policy

1. Who We Are

National Safety and Risk, LLC provides insurance-related verification and customer-care services as an authorized service provider on behalf of our insurance carrier and program clients. When you apply for an insurance policy or product through one of our clients, that client may engage us, as an authorized service provider, to verify application information and to conduct pre-call and account servicing communications with you by phone and, where permitted, by text message.

2. Information We Collect

Depending on how you interact with us or our clients, we may collect the following categories of information:

• Contact information, such as your name, mailing address, email address, and mobile or landline telephone number.
• Application and policy information provided by you or by our client in connection with an insurance application, quote, or policy, for the purpose of verification.
• Communications records, such as call notes, text message records, and your responses during verification or servicing.
• Consent and opt-out preferences relating to phone and text message communications.
• Technical and usage information collected automatically when you visit our website, such as IP address, browser type, and pages viewed.

3. How We Collect Information

We collect information directly from you during phone or text communications; from our insurance carrier and program clients who engage us as an authorized service provider; and automatically through your use of our website. Where you provide information to one of our clients during an insurance application, that client's consent and disclosure practices extend to their authorized service providers, including us.

4. How We Use Information

We use the information we collect to:

• Verify information submitted in connection with an insurance application or policy.
• Contact you by phone or text message to complete verification, conduct pre-call servicing, and provide account-related notifications, alerts, and confirmations.
• Respond to your inquiries and provide customer support.
• Maintain records of consent and communication preferences.
• Operate, maintain, and improve our website and services.
• Comply with applicable laws, regulations, and our contractual obligations to our clients.

5. Text Messaging and Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information relating to text messaging originator opt-in and consent will not be shared with any third parties. We use mobile telephone numbers solely to deliver the transactional communications described in this Policy — such as verification, pre-call servicing, alerts, and confirmations — and for no other purpose without your consent.

Message frequency varies. Message and data rates may apply. You may opt out of text messages at any time by replying STOP, and you may reply HELP for assistance. See our Terms and Conditions for full messaging terms.

6. How We Share Information

We do not sell your personal information. We may share information in the following limited circumstances:

• With the insurance carrier or program client on whose behalf we are performing verification or servicing, consistent with our authorized service provider relationship.
• With service providers and vendors who perform functions on our behalf (such as telecommunications and hosting providers) and who are contractually obligated to protect the information.
• As required by law, regulation, subpoena, or other legal process, or to protect the rights, property, or safety of the Company, our clients, or others.
• In connection with a merger, acquisition, or sale of assets, subject to appropriate confidentiality protections.

For clarity, and consistent with Section 5: we do not share mobile information or text messaging opt-in and consent data with third parties or affiliates for their marketing or promotional purposes.

7. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, to comply with our legal and contractual obligations, resolve disputes, and enforce our agreements.

9. Your Choices and Rights

You may opt out of text messages at any time by replying STOP. You may contact us using the information below to ask questions about this Policy, request access to or correction of your information, or exercise any rights available to you under applicable law. Depending on your state of residence, you may have additional rights regarding your personal information.

10. Children's Privacy

Our services are directed to adults and are not intended for children under 13. We do not knowingly collect personal information from children under 13.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this Policy indicates when it was last revised. Your continued interaction with us after changes are posted constitutes acceptance of the updated Policy.

12. Contact Us

If you have questions or requests regarding this Privacy Policy or your personal information, contact us at: