Privacy Policy
Last Updated: June 26th, 2025

Rafail Insurance Agency (“we,” “us,” or “our”) respects your privacy and is dedicated to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, https://www.rafailinsurance.com/ (“Site”), or interact with us.

1. Information We Collect

  • Personal & Contact Information: Name, email, phone number, mailing address, and quote-related details provided via contact, quote, or application forms. rafailinsurance.com+9rafailinsurance.com+9rafailinsurance.com+9

  • Usage & Analytics Data: IP address, browser type, device details, pages viewed, and session timestamps, collected via tools like Google Analytics.

  • Cookies & Tracking: We use cookies to improve site functionality and monitor usage patterns. You may disable them, although this may impact performance.

2. How We Use Your Information

We use the information to:

  • Respond to inquiries and provide quotes or policy services

  • Administer and improve our Site and services

  • Communicate updates, reminders, or marketing if you've opted in

  • Comply with legal obligations or defend our rights

3. Sharing & Disclosure

We do not sell or rent your personal information. Disclosure may occur only under the following circumstances:

  • Service providers: Third parties assisting with website hosting, analytics, email communications, or policy administration—bound by confidentiality agreements

  • Legal requirements: Disclosures mandated by law, legal processes, or government authorities

  • Business transfers: In the event of a sale or merger (with notice to affected individuals)

4. Insurance Privacy Laws & Your Rights

Gramm–Leach–Bliley Act (GLBA)

As a financial institution under GLBA, we:

Texas Data Privacy & Security Act

As a Texas-based business, we adhere to the July 1, 2024 Texas requirements, granting residents rights to:

NAIC & State Insurance Regulators

We follow NAIC data privacy guidance and state-level insurance laws governing consumer data collection, use, and security texasattorneygeneral.gov+2content.naic.org+2en.wikipedia.org+2.

5. Cookies & Tracking Technologies

We use cookies for:

  • Enhancing site features and remembering preferences

  • Analyzing traffic and engagement

You may opt out of cookies via your browser, but site functionality may be compromised.

6. Data Security

We implement administrative, technical, and physical safeguards—including encryption protection—to guard your personal information. However, no online system is fully secure; caution is advised when submitting sensitive data.

7. Data Retention

We retain your personal information only as long as:

  • Necessary to fulfill the purpose it was collected

  • Required by legal or regulatory obligations

  • Otherwise, securely deleted or anonymized

8. Your Privacy Rights

You have the right to:

  • Access and correct incorrect or incomplete information

  • Request deletion of your personal data

  • Opt out of marketing communications or third-party sharing

  • Object to or restrict certain data uses

  • Withdraw consent where applicable (without affecting processing done prior)

To exercise these rights, please contact us using the details below.

9. Third-Party Links

Our Site may include links to external websites (insurance carrier portals, associations, etc.). We are not responsible for their privacy practices—please review their respective policies.

10. Updates to This Policy

We may update this policy periodically. We’ll post the updated version on this page with the "Last Updated" date. Continued use of the Site constitutes acceptance of the revised policy.

11. Contact Us

For questions or to exercise your rights, contact:

Rafail Insurance Agency 3311 Richmond Ave, Ste. 350 Houston, TX 77098 Phone: 713‑429‑1790 Email: mark@rafailinsurance.com