Privacy Policy

SMS & Marketing Privacy Policy

Company: NM Family & Business Insurance 

Website: www.nmfbi.com
Effective Date: January 18, 2026
This SMS & Marketing Privacy Policy explains how we collect, use, and share information when you opt in to receive text messages (SMS/MMS) from us and when you interact with our marketing campaigns (including ads, tracking links, and campaign landing pages).

1) Information We Collect
When you engage with our texting program or marketing campaigns, we may collect:

• Contact information: name, mobile number, email, and preferred contact method.
• Opt-in information: the date/time you opted in, opt-in method (web form, keyword, written consent, etc.), and consent language shown at sign-up.
• Message data: message content you send to us, delivery status, and support interactions.
• Campaign and device data: IP address, device/browser type, ad identifiers, pages visited, links clicked, and general location derived from IP.
• Cookies / pixels (campaign tracking): data collected via cookies, pixels, UTM parameters, and similar tools used for marketing measurement.

2) How We Use Information
We use this information to:

• Send service and/or marketing text messages you’ve opted into (e.g., reminders, updates, promotions, announcements).
• Provide customer support and respond to your requests.
• Measure campaign performance (e.g., which ads or links lead to form submissions).
• Improve our messaging, ads, and customer experience.
• Maintain records of consent and comply with legal and carrier requirements.
• Prevent fraud, abuse, and unauthorized use.

3) SMS/Text Messaging Program Details
Message Types: [Service updates / appointment reminders / promotional offers / insurance tips / renewal notices]
Message Frequency: Varies
Costs: Message & data rates may apply (per your carrier plan).
Opt-Out: Reply STOP at any time to cancel.
Help: Reply HELP for assistance or contact us at [support phone] or [support email].

4) Lightspeed (SMS Platform Provider)
We use Lightspeed to help send and manage text messages. Lightspeed may process your phone number, opt-in/opt-out status, and message delivery information only to provide messaging services to us.

5) Mobile Information and Marketing Sharing (Required Language)
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.

6) How We Share Information (Marketing & SMS)
We may share information in these limited ways:

• Vendors/Service Providers: We share data with vendors that help operate our texting and marketing programs (e.g., SMS delivery platform, website hosting, analytics, ad platforms). They may use data only to provide services to us under appropriate safeguards.
• Legal/Safety: If required by law, regulation, legal process, or to protect rights, safety, and security.
• Business Transfers: If we’re involved in a merger, acquisition, or asset sale, information may be transferred as part of that transaction.

We do not sell your personal information.

7) Marketing Cookies, Pixels, and Targeted Advertising
We may use cookies and pixels (e.g., from advertising and analytics partners) to:

• Understand how people interact with our campaigns and website pages,
• Measure ad conversions and performance,
• Show ads to audiences who may be interested in our services (interest-based advertising).

Your choices:

• Adjust cookie settings in your browser (blocking cookies may affect site functionality).
• Use device-level ad settings (where available) to limit interest-based ads.

8) Data Retention
We retain SMS and marketing data for as long as reasonably needed to:

• Run programs and provide services,
• Maintain records of consent and compliance,
• Resolve disputes and enforce policies,
• Meet legal and regulatory obligations.

9) Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. No system is 100% secure.

10) Children’s Privacy
Our SMS and marketing campaigns are not intended for children under 13, and we do not knowingly collect information from children.

11) Changes to This Policy
We may update this Policy from time to time. Any updates will be posted with a new “Last Updated” date.

12) Contact Us

NM Family & Business Insurance
Website: www.nmfbi.com