Text Messaging Terms & Conditions

Last Updated: December 2025

Thank you for visiting Esmeralda Burch Insurance Services. By opting in to receive SMS/text messages from us, you agree to the following Terms and Conditions. Please read them carefully.

1. Program Description

By providing your mobile number, you agree that Esmeralda Burch Insurance Services may send you text messages related to:

Insurance enrollment reminders

Policy updates

Appointment confirmations

Account servicing notifications

Marketing messages about products or services we offer

Important compliance or regulatory updates related to insurance

Message frequency may vary based on your interaction with our services.

2. Consent to Receive Messages

By opting in, you confirm that:

You are the owner or authorized user of the mobile number provided.

You consent to receive automated and non-automated text messages.

Consent is not a condition of purchasing insurance products or services.

Your consent complies with the Telephone Consumer Protection Act (TCPA), FCC rules, and relevant federal communication laws.

3. Opt-Out & Unsubscribe

You may opt out at any time.

To stop receiving messages:
Reply STOP to any text message.

After you send STOP, you will receive one final confirmation message.
No further messages will be sent unless you opt in again.

For help:
Reply HELP

You can also contact us at:
(442)271-4062
info@esmeraldaburchinsuranceservices.com

4. Message & Data Rates

Message and data rates may apply based on your mobile carrier plan.
Esmeralda Burch Insurance Services is not responsible for any charges associated with receiving or sending text messages.

5. Privacy & Data Handling

We respect your privacy. Any information you provide will be handled in compliance with:

Federal insurance regulations

Applicable privacy laws

Our internal data protection policies

We never sell, rent, or share your mobile number with third-party marketers.

We may share information only with insurance carriers, partners, or vendors who assist in providing services you request.

To review our Privacy Policy, please visit:
www.EsmeraldaBurchInsuranceServices.com/privacy

6. Eligibility

To participate in our text messaging program, you must:

Be at least 18 years old

Reside in the United States

Provide a valid U.S. mobile phone number

7. Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

Delivery depends on your carrier’s network, device settings, and service availability.

8. Security

We take reasonable measures to safeguard your information.
However, SMS messages are not fully secure. We encourage you not to send sensitive personal information via text.

For secure communication, please call our office directly.

9. Changes to Terms

We may modify these Terms & Conditions at any time. Updates will be reflected on this page. Continued use of our SMS services after changes means you accept the updated terms.

10. Contact Information

Esmeralda Burch Insurance Services
1240 W State Street, Suite B, Second Floor
El Centro, California 92243
Phone: (760) 960-2769
Website: www.EsmeraldaBurchInsuranceServices.com
Email: info@esmeraldaburchinsuranceservices.com

Privacy Policy

Esmeralda Burch Insurance Services
Last Updated: December 2025

Thank you for visiting our website. Your trust matters to us. This Privacy Policy explains how Esmeralda Burch Insurance Services (“we,” “our,” or “us”) collects, uses, discloses, and safeguards your personal information in compliance with California law and insurance regulations.

By using our website or services, you agree to the practices described in this Policy.

1. Information We Collect

We collect the following categories of information:

A. Personal Identifiable Information (PII)

Full name

Address

Email address

Phone number

Date of birth

Driver’s license or identification information

Employment information

Demographic details voluntarily provided

B. Insurance-Related Information

In accordance with California Insurance Code, we may collect information needed to provide insurance services, including:

Policy numbers

Coverage details

Beneficiary information

Application data

Claims-related information provided by you

C. Sensitive Personal Information (SPI) – Limited Use

We may collect certain sensitive information necessary for insurance enrollment or quoting:

Medical history voluntarily provided

Health-related disclosures required for underwriting

Financial information related to payment and billing

Social Security number (only when required by insurers)

We follow strict confidentiality and security standards for all sensitive data.

D. Technical & Website Information

Automatically collected data may include:

IP address

Browser type and version

Cookies and tracking technologies

Pages viewed on our website

Time spent on the website

2. How We Use Your Information

We use information only for legitimate business, insurance, and servicing purposes, including:

Providing insurance quotes

Submitting applications to insurance carriers

Servicing existing policies

Responding to inquiries

Appointment reminders and enrollment notifications

Text messaging and email communication

Account verification

Compliance with state and federal regulations

Improving website performance

We do not sell your information—ever.

3. How We Share Information

We may share information only when necessary to provide services or comply with the law:

A. Insurance Carriers & Underwriters

To process applications, enroll coverage, or service existing policies.

B. Third-Party Vendors

Only vendors who support our operations, such as:

Appointment scheduling platforms

Secure messaging services

Licensed insurance partners

Compliance software providers

All vendors must agree to maintain confidentiality.

C. Legal or Regulatory Requirements

We may disclose information to:

California Department of Insurance

Federal regulatory authorities

Law enforcement, if required by law

Compliance auditors

We do not disclose information to unrelated third-party marketers.

4. Your Rights Under California Law (CCPA/CPRA)

If you are a California resident, you have the right to:

A. Know What Information Is Collected

Request a list of personal information collected in the last 12 months.

B. Request Deletion

Ask us to delete personal information (some exceptions apply for insurance compliance and legal retention).

C. Request Correction

Ask us to correct inaccurate information.

D. Opt Out of Sharing

We do not sell personal information, but you may opt out of certain data uses.

E. Limit Use of Sensitive Information

You may request restrictions on how we use sensitive information such as health disclosures or financial data.

To submit a request, contact us at:
info@esmeraldaburchinsuranceservices.com
or call (760) 960-2769

We will verify your identity before processing any requests.

‍ ‍5. Text Messaging & Communication Privacy

When you provide your phone number, you consent to receive:

Appointment reminders

Enrollment updates

Policy servicing communication

Occasional marketing messages

Standard message/data rates may apply.
You may opt out at any time by replying STOP.

This is fully compliant with TCPA and California communication laws.

6. Cookies & Tracking Technology

Our website may use:

Cookies

Pixel tags

Analytical tracking tools

These help improve user experience and website performance.
You may disable cookies in your browser settings.

7. Data Security

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

Secure encrypted platforms

Password-protected systems

Access controls

Data retention policies in compliance with insurance regulations

Although we work hard to protect your information, no system is 100% secure.
We encourage you not to send sensitive information through text messaging.

8. Data Retention

We retain information only as long as necessary to:

Provide insurance services

Meet regulatory requirements

Comply with record-keeping rules under California Insurance Code

Support customer service needs

Retention periods may vary depending on policy type and legal obligations.

9. Children’s Privacy

We do not knowingly collect information from children under the age of 13.
If you believe a child has provided information, please contact us immediately.

10. External Links

Our website may include links to third-party sites.
We are not responsible for the privacy practices of those websites.

11. Changes to This Policy

We may update this Privacy Policy from time to time.
Updates will appear on this page with the revised “Last Updated” date.

Continued use of our website indicates acceptance of these changes.

12. Contact Us

If you have questions about this Privacy Policy or your rights, please contact us:

Esmeralda Burch Insurance Services
1240 W State Street, Suite B, Second Floor
El Centro, CA 92243
Phone: (442)271-4062
Email: info@esmeraldaburchinsuranceservices.com
Website: www.EsmeraldaBurchInsuranceServices.com