Privacy Policy

Effective Date: June 19, 2026

---

At Qualls Insurance Agency, we take your privacy seriously. We're an independent insurance agency based in Salem, Oregon, and we believe you deserve to know exactly how your information is collected, used, and protected. This policy explains just that.

1. Information We Collect

Information You Provide

When you request a quote, apply for coverage, or communicate with us, you may provide:

• Name, address, phone number, and email address
• Date of birth and driver's license number
• Insurance history and claims information
• Payment information
• Health information relevant to life or health insurance applications

Information from Third Parties

To provide accurate quotes and services, we may collect information from:

• Consumer reporting agencies (credit reports, motor vehicle records)
• Other insurance companies (claims history)
• Insurance support organizations

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information
• Pages visited and how you interact with our site
• Referring URL

2. How We Use Your Information

We use your information to:

• Provide insurance quotes and policy services
• Process applications, claims, and payments
• Communicate about your policies, renewals, and changes
• Respond to your questions and customer service needs
• Comply with legal and regulatory obligations
• Improve our website and services
• Send service-related messages via SMS and email

3. Information Sharing & Disclosure

We may share your information with:

• Insurance carriers — to obtain quotes, bind coverage, and process claims
• Third-party service providers — who help us operate (CRM, analytics, payment processing)
• As required by law — to comply with legal obligations or protect our rights
• With your consent — or at your direction

We do not sell your personal information to third parties for their own marketing purposes.

4. SMS/Text Messaging (A2P 10DLC)

By providing your mobile phone number and opting in, you consent to receive text messages from Qualls Insurance Agency.

• Types of messages: Policy renewal reminders, billing notifications, quote updates, appointment reminders, customer service follow-ups, and insurance-related informational messages
• Message frequency: Varies based on your account activity and interactions with us
• Rates: Standard message and data rates may apply
• Opt out: Reply STOP to any message at any time. You will receive a confirmation message that you've been unsubscribed
• Help: Reply HELP or call us at (503) 689-8930 ext. 3

Your opt-in consent and phone number will not be shared with third parties for their marketing purposes.

5. Your Rights Under the Gramm-Leach-Bliley Act (GLBA)

As a licensed insurance agency, Qualls Insurance Agency is a financial institution under the Gramm-Leach-Bliley Act. This means:

• We collect nonpublic personal information as described above
• We do not disclose nonpublic personal information to nonaffiliated third parties except as permitted by law
• We restrict access to your personal information to employees who need it to serve you
• We maintain physical, electronic, and procedural safeguards to protect your information
• You have the right to opt out of certain disclosures to nonaffiliated third parties

6. Cookies & Tracking Technologies

Our website uses cookies, pixels, and similar technologies for:

• Website operation and functionality
• Analytics to understand how visitors use our site
• Personalized advertising (with your consent where required)

You can control cookies through your browser settings. We respond to Do Not Track (DNT) signals sent by your browser. Third-party advertising partners may use cookies to serve relevant ads based on your browsing activity.

7. Your Rights & Choices

Depending on your location, you may have the following rights under Oregon law and other applicable privacy laws:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate information
• Deletion: Request that we delete your personal information (subject to legal retention requirements)
• Opt out: Opt out of the sale or sharing of your personal data for targeted advertising
• Non-discrimination: We will not discriminate against you for exercising your privacy rights

To exercise your rights:

• SMS opt-out: Reply STOP to any text message
• Email opt-out: Click the unsubscribe link in any marketing email
• All other requests: Contact us using the information below

8. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information, including:

• Employee training on data protection
• Access controls on a need-to-know basis
• Encryption where appropriate
• Secure storage and disposal procedures

9. Data Retention

We retain your personal information as long as needed to provide our services and as required by law. For insurance records, Oregon regulations typically require retention of 7 years. When information is no longer needed, it is securely disposed of.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated on our website or through direct notice. The effective date at the top of this page indicates when the policy was last updated.

11. Contact Us

If you have questions, concerns, or want to exercise your privacy rights, please reach out:

Qualls Insurance Agency
1193 Royvonne Ave Se Suite 14 Salem, Or 97302
Salem, Oregon
Phone: (503) 689-8930 ext. 3