Privacy Policy of MONARCH INSURANCE & BUSINESS SOLUTIONS LLC

Monarch Insurance & Business Solutions LLC (“Monarch”, “we” or “our”) operates the website www.monarchinsurancegroup.com (the “Site”). This Privacy Policy explains how we collect, use, disclose and protect your personal information, including your phone number and your consent to receive SMS, when you visit our Site, request a quote, or use our services.

By using our website, you accept the practices described in this Privacy Policy.

We may collect the following categories of information:

Personal contact information: Full name, email address, phone number, mailing address, preferred contact method.

Insurance and business information: Depending on the services requested, we may collect: vehicle information, property information, business name, business type, number of employees, payroll and revenue information, coverage needs and insurance history.

SMS consent and phone number: When you voluntarily check the SMS consent box on our website forms, we collect: your mobile phone number, your written consent to receive SMS communications, the date and time of consent. This consent is stored separately from other communications and retained for regulatory compliance.

Technical information: We may automatically collect: IP address, browser type, device information, operating system, pages visited, referring websites, cookies and analytics data.

We use your information to: provide insurance quotes and related services, respond to inquiries, assist with policy servicing, send policy updates and renewal reminders, provide customer support, send SMS messages when consent has been given, improve our website and services, prevent fraud, and comply with legal and regulatory obligations.

Monarch Insurance & Business Solutions LLC may send SMS text messages to clients who have given explicit consent through our website forms.

Messages may include: insurance quote follow-up, appointment reminders, policy updates, renewal reminders, document requests, customer service communications, and promotional insurance-related updates or marketing communications for users who have opted in.

Message frequency: Message frequency varies based on your interactions with our agency.

Message and data rates: Message and data rates may apply depending on your mobile carrier and plan.

To unsubscribe from SMS messages, reply STOP at any time. You will receive a final confirmation message.

Help: Reply HELP for assistance or contact: email info@monarchinsurancegroup.com, phone (704) 565-4548.

No consent required: Providing consent to receive text messages is not required to obtain an insurance quote or to purchase any insurance product or service.

Monarch Insurance & Business Solutions LLC does not sell, rent, share or disclose your mobile phone number or SMS opt-in information to third parties or affiliates for marketing or promotional purposes. Your phone number and SMS consent are used exclusively to communicate directly with you about your insurance or business services with Monarch.

SMS consent information is never sold to: marketing companies, lead generation companies, third-party advertisers, affiliate marketers.

We may share non-SMS personal information only as necessary to provide our services to you. This may include insurance carriers and partners (MGAs, wholesalers), service providers (web hosting, CRM, e-signature), and legal requirements (court orders or authorities).

Our website may use cookies and similar technologies to improve performance, analyze behavior, and enhance the user experience.

We implement reasonable administrative, technical and physical security measures designed to protect your personal information.

Our website and services are intended for adults only. We do not collect information from anyone under 18.

You may contact us to request access, corrections, withdraw SMS consent, or request deletion of information.

We reserve the right to modify this Privacy Policy at any time.

Monarch Insurance & Business Solutions LLC

9700 Research Drive, Suite 145, Charlotte, NC 28262

Phone: (704) 565-4548 · Email: info@monarchinsurancegroup.com · Website: www.monarchinsurancegroup.com