Privacy Policy

Risk Vantage LLC (“Risk Vantage,” “we,” “our,” or “us”) is committed to protecting your
privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your
personal information when you visit riskvantageins.com or use our commercial and
personal insurance services.

1.1 Introduction
Risk Vantage LLC (“Risk Vantage,” “we,” “our,” or “us”) is committed to protecting your
privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your
personal information when you visit riskvantageins.com or use our commercial and
personal insurance services.

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1.2 Information We Collect
Personal Information
We may collect information you provide, such as:
• Name
• Mailing Address
• Email Address
• Phone Number
• Driver or Business Details
• Insurance and Claims History
• Payment Information

Non-Personal Information
We may automatically collect:
• IP address
• Browser type
• Device information
• Website interaction and analytics

• Referring websites

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1.3 How We Use Your Information
We may use your information to:
• Provide insurance quotes
• Issue and service insurance policies
• Respond to customer inquiries
• Improve user experience and site performance
• Conduct data analytics and reporting
• Send policy updates, alerts, and marketing (optional)
• Comply with legal or regulatory requirements

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1.4 How We Share Your Information
We may share your information with:
• Insurance carriers and underwriters
• Third-party vendors providing operational support
• Legal/government authorities when required
Risk Vantage LLC does not sell or rent your personal information.

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1.5 Cookies & Tracking Technologies
We may use cookies, tracking pixels, and analytics tools to:
• Improve website performance
• Understand visitor behavior
• Customize user experience
You may block cookies, but certain site features may not work.

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1.6 Data Security
Risk Vantage uses reasonable technical, administrative, and physical safeguards to help
protect your data. However, no method of transmission or storage is completely secure.

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1.7 Your Rights
Depending on your jurisdiction, you may have rights including:
• Access to your personal data
• Correction or deletion requests
• Restriction of processing
• Opt-out of marketing communications
Contact us using the information at the end of this document to exercise your rights.

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1.8 Third-Party Links
Our website may contain links to external sites. We are not responsible for the content or
privacy practices of those sites.

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1.9 Children’s Privacy
Our services are intended for adults. We do not knowingly collect personal data from
children under 18.

1.10 Communication Preferences
By engaging with Risk Vantage LLC, you authorize us to contact you through the phone
number(s) and email address(es) you provide. This may include text messages, email
notifications, and phone calls related to your insurance policies, billing, required
documentation, or other service-related communications. You may update your

communication preferences or opt out of non-essential messages at any time by
contacting us.

Mobile: Any correspondence sent via text messaging is used solely for service-related
communication. Text messaging opt-in data and consent will not be shared with third
parties or affiliates for marketing or promotional purposes. All categories outlined above
specifically exclude text messaging originator opt-in data and consent; this information
will not be shared with any third parties under any circumstances. You may opt out of
receiving text messages at any time by replying “STOP.”

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1.11 Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted with a revised
“Last Updated” date.

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1.11 Contact Information
Risk Vantage LLC
PO Box 652
Emory, TX 75440
Phone: 903-205-1416
Website: riskvantageins.com

2. TERMS & CONDITIONS

Table of Contents
2.1 Acceptance of Terms
2.2 Insurance Quotes & Coverage
2.3 No Professional Advice
2.4 Use of the Site
2.5 Intellectual Property
2.6 Third-Party Links
2.7 Limitation of Liability
2.8 Disclaimer of Warranties
2.9 Indemnification
2.10 Governing Law

2.11 Changes to Terms
2.12 Contact Information

2.1 Acceptance of Terms

By using riskvantageins.com, you agree to be bound by these Terms & Conditions and our Privacy Policy.

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2.2 Insurance Quotes & Coverage
Quotes provided on our website are for informational purposes only. Final coverage
terms and pricing are determined by the issuing insurance carrier and subject to
underwriting review.

If any information on the website conflicts with the terms of an issued policy, the policy
documents will control.

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2.3 No Professional Advice
Website content is for general information only and should not be interpreted as legal,
financial, or tax advice.

2.4 Use of the Site
You agree not to:
• Misuse the website
• Attempt unauthorized access
• Upload harmful code
• Interfere with website functionality or other users

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2.5 Intellectual Property
All website content—including logos, images, text, and layout—is owned by Risk
Vantage LLC and protected by intellectual property law. You may not copy, reproduce,
or distribute content without written permission.

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2.6 Third-Party Links
We may include links to third-party websites. These are for convenience only, and we
are not responsible for those sites or their content.

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2.7 Limitation of Liability
Risk Vantage LLC is not liable for:
• Indirect damages
• Consequential damages
• Special or punitive damages
• Loss of data or profits
• Website downtime or errors

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2.8 Disclaimer of Warranties
The site is provided on an “as-is” and “as-available” basis without warranties of any
kind.

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2.9 Indemnification
You agree to indemnify and hold harmless Risk Vantage LLC from any claims arising out
of your use of the website or violation of these Terms.

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2.10 Governing Law
These Terms are governed by the laws of the State of Texas. Any legal disputes will be
handled in Texas state or federal courts.

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2.11 Changes to Terms
We may update these Terms & Conditions at any time. Updates will be reflected in the “Last Updated” date.

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2.12 Contact Information
Risk Vantage LLC
PO Box 652
Emory, TX 75440
Phone: 903-205-1416
Website: riskvantageins.com

By submitting this form and opting in to text messages, you agree to receive conversational messages from Risk Vantage using the contact information you provide. You can reply HELP at any time for assistance or STOP to opt out. Message and data rates may apply, and message frequency may vary. For more details, please review our Privacy Policy at: Privacy Policy Link