Privacy Policy

Last Updated: November 15, 2025

1. Introduction

Ravine Group Insurance Services (“Ravine Group Insurance Services,” “RGIS,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you access our website, request a quote, communicate with us, or use any related services (the “Services”). After the first reference, Ravine Group Insurance Services will be referred to as “RGIS.”

RGIS is licensed to sell and service insurance only within the State of Florida. However, we may collect information from individuals across the United States for the purpose of referring or selling those leads to licensed partner agencies. By using our Services, you consent to the practices described in this Privacy Policy.

2. Definitions

“Personal Information” refers to information that identifies, relates to, describes, or can reasonably be associated with a particular individual or household. “Sensitive Personal Information” includes categories such as Social Security numbers, driver’s license numbers, account access credentials, and precise geolocation data. Definitions follow applicable state and federal privacy laws.

3. Information We Collect

RGIS collects personal information to provide insurance services, process inquiries, evaluate eligibility, and improve your experience. Depending on your interactions, the information we collect may include:

  • Contact information such as name, address, email, and phone number

  • Identifiers such as date of birth, Social Security number, or driver’s license number

  • Business and employment information

  • Insurance and claims history

  • Financial information related to payments

  • Information submitted on forms, applications, or quote requests

  • Online activity such as IP addresses, browser details, and device identifiers

  • Technical usage data collected through cookies and analytics tools

Certain information may be required to provide you with a quote or to evaluate insurance eligibility.

4. Sources of Information

We collect information from multiple sources:

  • Directly from you, including forms, applications, emails, chats, and phone calls

  • Through transactions, such as payment interactions, policy servicing, and quote activity

  • From third parties, including consumer reporting agencies, insurance support organizations, identity verification vendors, data brokers, and marketing partners

  • Automatically, through cookies, device analytics, tracking technologies, and website engagement tools

5. Application and Form Information

When you submit insurance applications, supplemental questionnaires, claims forms, or related documents, we collect the information needed to evaluate eligibility, process underwriting, assess risk, and comply with regulatory requirements. These forms may include sensitive personal and financial information.

6. Transaction Information

We collect information about your interactions with RGIS, including quote activity, customer service communications, billing and payment history, account updates, and website tool usage. This helps support account management, underwriting, and service improvements.

7. Third-Party and Consumer Reporting Information

RGIS may receive additional information about you from:

  • Consumer reporting agencies

  • Credit bureaus

  • Identity verification services

  • Claims databases

  • Public records

  • Insurance support organizations

  • Fraud prevention services

This information allows us to verify identity, evaluate eligibility, prevent fraud, and comply with industry regulations.

8. Automatically Collected Information

When you access our website, we automatically collect information such as:

  • IP address

  • Browser and device characteristics

  • Operating system

  • Referring website

  • Approximate location

  • Pages viewed and links clicked

  • Form field interaction patterns

  • Session identifiers and usage timestamps

This data supports system security, analytics, marketing measurement, and website improvements.

9. How We Use Personal Information

RGIS uses personal information to:

  • Provide quotes to Florida residents

  • Process inquiries from all U.S. states

  • Facilitate lead referrals for non-Florida inquiries

  • Underwrite policies and evaluate eligibility

  • Communicate about accounts, services, payments, or claims

  • Process transactions and maintain account records

  • Improve website functionality and user experience

  • Conduct analytics, marketing, and advertising

  • Verify identity and prevent fraud

  • Comply with legal and regulatory requirements

Submitting your information gives RGIS permission to contact you by call, text, email, or mail regarding your inquiry.

10. Lead Referrals and Out-of-State Information Use

For individuals outside Florida, RGIS may share your information with licensed partner agencies in order to provide insurance-related services. By submitting your information from outside Florida, you acknowledge and consent that RGIS may transfer your details to trusted insurance partners for the purpose of quoting, servicing, or fulfilling your request.

11. How We Share Personal Information

We may disclose personal information to the following categories of recipients:

  • Insurance-related entities, including carriers, brokers, underwriters, reinsurers, adjusters, claims handlers, and insurance support organizations

  • Consumer reporting agencies for underwriting and verification

  • Lead referral partners, when inquiries originate from outside Florida

  • Service providers, such as hosting companies, analytics vendors, payment processors, marketing partners, and communication platforms

  • Legal and regulatory authorities, including law enforcement, courts, and government agencies

  • Business transferees, in connection with mergers, acquisitions, or reorganizations

These parties may only use the information for permitted business purposes.

12. Information Sharing for Legal and Compliance Purposes

RGIS may share personal information when required to comply with applicable laws, regulatory obligations, subpoenas, audits, or law enforcement requests. We may also disclose information as necessary to enforce our rights, protect our business, prevent fraud, investigate misuse, or ensure safety.

13. Service Providers and Business Partners

We may engage third-party service providers to support our operations. These providers may have access to personal information solely to perform their contracted services, and they are prohibited from using the information for unrelated purposes. Providers may include hosting companies, analytics tools, marketing platforms, identity verification services, and communication systems.

14. Website Technologies and Cookies

Our website uses cookies and similar technologies to enhance functionality and improve your experience. Cookies may collect:

  • Browser and device data

  • Session identifiers

  • Usage patterns

  • Preference settings

  • Analytics information

You may disable or manage cookies through your browser settings; however, certain features of our website may not function correctly without them.

15. Automated Tracking, Analytics, and Behavioral Tools

We use analytics tools and tracking technologies to understand user behavior, measure marketing effectiveness, and improve online performance. RGIS does not authorize third parties to conduct cross-context behavioral tracking using personal information collected from our site. Embedded third-party tools (such as chat systems) may independently collect limited technical data such as IP addresses.

16. Do Not Track Signals

We do not currently respond to Do Not Track (DNT) signals due to a lack of industry-wide standards for interpreting such requests.

17. Information Security

RGIS employs administrative, technical, and physical safeguards designed to protect your personal information. These may include encryption, firewalls, secure servers, role-based access controls, authentication protocols, and continuous monitoring. Although we take reasonable steps to protect information, no security method is entirely foolproof.

18. Information Confidentiality and Employee Access

Access to personal information is restricted to employees and authorized personnel who require it to perform their duties. Authorized individuals are subject to confidentiality obligations and must adhere to internal access and identification protocols.

19. Children’s Privacy

We do not knowingly collect personal information from individuals under the age of 18. If a minor’s information is discovered, we will delete it promptly in compliance with applicable laws.

20. Your Privacy Choices

You may manage certain communication preferences:

  • Unsubscribe from marketing emails by using the link provided in those messages

  • Opt out of text messages by replying STOP

  • Adjust cookie settings through your browser

Transactional notifications related to quotes, policies, or account activity cannot be opted out of.

21. Your State Privacy Rights (Including CCPA/CPRA)

Depending on your state of residence, you may have rights regarding your personal information, such as:

  • The right to know what categories of personal information we collect

  • The right to request access to specific information

  • The right to request deletion of certain information

  • The right to correct inaccurate information

  • The right to receive information about categories of third parties we share information with

  • The right to be free from discrimination for exercising your privacy rights

RGIS does not sell personal information for cross-context behavioral advertising.

To exercise your rights, contact admin@ravinegroupins.com.
We may require identity verification before processing your request.

22. Verification of Requests and Authorized Agents

When submitting a privacy request, RGIS may request additional information to verify your identity. If an authorized agent submits a request on your behalf, written authorization or a legally valid power of attorney may be required. Requests that cannot be verified may be declined.

23. Information Retention

We retain personal information only as long as necessary to meet the purposes for which it was collected, including underwriting, servicing, referrals, recordkeeping, legal obligations, auditing, and dispute resolution. Retention periods vary depending on data type and applicable law.

24. Changes to This Privacy Policy

RGIS may update or modify this Privacy Policy at any time. Changes will be posted on this page, and the “Last Updated” date will reflect the most recent version. Your continued use of our Services indicates acceptance of any modifications.

25. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

Postal mail:
Ravine Group Insurance Services LLC
13246 38th St N, Ste 211
Clearwater, FL 33762

Phone:
1-727-349-2380

Ravine Group Insurance Services (RGIS)
📧 admin@ravinegroupins.com
🌐 https://ravinegroupins.com