Privacy Policy – Karen Lynn Wegman Insurance

Privacy Notice and Messaging Terms and Conditions

Effective Date: 07/01/2026
Last Updated: 07/19/2026

Karen Lynn Wegman Insurance (“Karen Lynn Wegman Insurance,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us. This Privacy Notice explains how we collect, use, disclose, retain, and safeguard information when you visit our website, request an insurance quote, apply for insurance, communicate with us, or use our insurance brokerage services.

This Privacy Notice also includes the terms governing text messages sent by or on behalf of Karen Lynn Wegman Insurance.

1. Scope of This Privacy Notice

This Privacy Notice applies to personal information collected through:

Our website and online forms.
Telephone, email, and text-message communications.
Insurance applications, quote requests, and policy-service requests.
Communications with insurance companies, managing general agents, wholesalers, insurance networks, and other insurance-market participants.
In-person meetings and other interactions with Karen Lynn Wegman Insurance.

This Privacy Notice does not control the privacy practices of insurance companies, third-party websites, or other independent organizations. Those organizations may provide their own privacy notices and terms.

2. Information We May Collect

Depending on the insurance products or services you request, we may collect the following categories of information.

Personal identification information

This may include:

Name.
Mailing address.
Email address.
Telephone number.
Date of birth.
Driver’s license information.
Social Security number or taxpayer identification number when required for an insurance transaction.
Marital status and household information.
Employment or business information.

Insurance and financial information

This may include:

Existing insurance coverage.
Policy numbers.
Coverage limits.
Premium and payment information.
Property ownership information.
Vehicle information.
Mortgage or lienholder information.
Business revenue, payroll, operations, or ownership information.
Claims and loss history.
Credit-based insurance information, where permitted by law.
Banking or payment information when necessary to process an authorized transaction.

Health-related information

When you request life, health, disability, long-term care, Medicare-related, or other insurance products that require health information, we may collect information concerning:

Medical history.
Prescriptions.
Tobacco use.
Health conditions.
Treatment history.
Other health-related underwriting information.

We collect health information only when reasonably necessary to assist with an insurance application, quotation, policy service, or other authorized insurance transaction.

Website and device information

When you use our website, we or our service providers may automatically collect:

Internet Protocol address.
Browser type.
Device type.
Operating system.
Pages viewed.
Referring website.
Date and time of visits.
Website interactions.
Cookie and similar technology information.

Communications information

We may retain records of communications you send to or receive from us, including:

Emails.
Text messages.
Telephone call notes.
Online-form submissions.
Quote requests.
Policy-service requests.
Complaints and customer-service inquiries.

3. Sources of Information

We may collect information:

Directly from you.
From individuals you authorize to provide information.
From insurance applications and policy-service forms.
From insurance companies and insurance intermediaries.
From consumer reporting agencies, claims databases, motor vehicle records, property records, or other information sources permitted by law.
From employers, benefit-plan administrators, medical providers, or other parties when authorized and applicable.
Automatically through our website and related technologies.
From referral sources when permitted by law.

4. How We Use Information

We may use personal information to:

Respond to questions and requests.
Provide insurance quotes.
Obtain underwriting information.
Submit applications to insurance companies or insurance intermediaries.
Assist with placing, renewing, modifying, or servicing insurance coverage.
Process authorized payments.
Communicate about applications, policies, renewals, billing, claims, and service matters.
Verify identity and prevent fraud.
Maintain business and transaction records.
Comply with legal, licensing, regulatory, contractual, and insurance-industry requirements.
Improve our website, services, and customer experience.
Protect our customers, business, systems, and legal rights.
Send communications that you have requested or consented to receive.

We do not use mobile opt-in information for unrelated marketing or disclose it to third parties for their own marketing purposes.

5. How Information May Be Disclosed

We may disclose personal information when reasonably necessary to provide insurance brokerage services or operate our business, including disclosure to:

Insurance companies.
Managing general agents.
General agencies.
Wholesale brokers.
Surplus-lines intermediaries.
Insurance networks or aggregators.
Claims administrators.
Premium finance companies.
Payment processors.
Consumer reporting agencies and authorized underwriting-information providers.
Technology, hosting, communications, cybersecurity, document-management, and professional service providers.
Accountants, attorneys, auditors, consultants, and regulators.
Government authorities or law-enforcement agencies when required or permitted by law.
Other parties at your direction or with your authorization.

Service providers are permitted to receive information only for legitimate operational, transactional, legal, security, or professional purposes. They are not authorized by us to use customer information for their own unrelated promotional or marketing purposes.

We may also disclose information when reasonably necessary to:

Comply with a subpoena, court order, legal process, or regulatory request.
Investigate fraud, security incidents, or illegal activity.
Protect the rights, safety, property, or interests of our customers, Karen Lynn Wegman Insurance, or others.
Complete a sale, transfer, merger, reorganization, or succession involving all or part of the business, subject to applicable law and appropriate confidentiality protections.

6. Data Sharing

• Customer data is not shared with 3rd parties for promotional or marketing purposes.
• Mobile opt-in and consent are never shared with anyone for any purpose. Any information sharing that may be mentioned elsewhere in this policy excludes mobile opt-in data.

Nothing in this section prevents us from using service providers solely to deliver messages or provide communications infrastructure on our behalf, provided that mobile opt-in data is not used or disclosed for any independent purpose.

7. Sale of Personal Information

Karen Lynn Wegman Insurance does not sell customer personal information for monetary consideration.

We do not sell or share mobile telephone numbers, SMS consent records, or mobile opt-in information for third-party promotional or marketing purposes.

8. Text-Message Consent

Where offered, you may opt in to receive text messages from Karen Lynn Wegman Insurance by:

Providing your mobile telephone number through an online or paper form containing an SMS consent disclosure.
Checking an unchecked consent box.
Providing written consent.
Initiating a text-message conversation with us.
Requesting text-message communication through another documented method.

Consent to receive text messages is not a condition of purchasing insurance or receiving brokerage services.

By opting in, you confirm that:

You are the subscriber or customary user of the mobile telephone number provided.
You authorize Karen Lynn Wegman Insurance to send conversational and customer-service text messages to that number.
You understand that message frequency varies.
Message and data rates may apply.

Do not send sensitive personal information by text message, including Social Security numbers, financial-account credentials, payment-card information, medical records, or passwords. Contact us to arrange a more secure method of transmission.

9. Karen Lynn Wegman Insurance Messaging Terms and Conditions

The messaging program consists of general conversational messaging to answer questions and provide support to customers.
You can cancel the SMS service at any time. Just text ‘STOP’ to the phone number from which you received messages. After you send the SMS message ‘STOP’ to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at karen@karenlynnwegmaninsurance.com.
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary based on communication needs. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our privacy policy contained in the rest of this document/page.

10. Opting Out of Text Messages

You may withdraw your consent to receive text messages at any time by replying STOP to the telephone number from which the message was sent.

We may recognize additional common opt-out terms where supported by our messaging provider, but replying STOP is the recommended method.

After receiving a valid opt-out request, we may send one final message confirming that you have been unsubscribed. You will then stop receiving messages through that messaging program unless you later opt in again.

An SMS opt-out applies to text messages. It does not prevent us from contacting you through other lawful methods when necessary to respond to your request, service an insurance policy, provide legally required notices, address an account issue, or complete an insurance transaction.

11. Messaging Help

For assistance with text messages:

Reply HELP to the telephone number from which you received the message.
Email karen@karenlynnwegmaninsurance.com.
Call 877-801-6225.

12. Email Communications

You may ask us to stop sending nonessential promotional emails by:

Using the unsubscribe link included in the email, where available.
Emailing your request to karen@karenlynnwegmaninsurance.com.

Even after you opt out of promotional email, we may continue sending nonpromotional communications concerning:

Insurance quotes or applications you requested.
Existing policies.
Renewals.
Billing.
Claims.
Customer-service matters.
Legal or regulatory notices.
Security or fraud concerns.

13. Cookies and Website Technologies

Our website may use cookies and similar technologies to:

Enable website functionality.
Remember user preferences.
Maintain security.
Understand website traffic and performance.
Identify technical problems.
Improve the website and customer experience.

Your browser may allow you to block or delete cookies. Blocking some cookies may affect website functionality.

We do not authorize third parties to use information collected through our website for their own unrelated advertising purposes unless we provide a separate notice and obtain any consent required by law.

14. Do Not Track Signals

Some browsers transmit “Do Not Track” signals. Because there is not a universally accepted standard for responding to these signals, our website may not respond to every browser-based Do Not Track request.

You may manage cookies and similar technologies through your browser settings and any cookie controls made available on our website.

15. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, loss, or disclosure.

Safeguards may include:

Access controls.
Password protections.
Multifactor authentication.
Secure communications tools.
Device and network protections.
Data backups.
Employee and contractor confidentiality obligations.
Service-provider oversight.
Record-retention and secure-disposal procedures.

No website, email system, text-messaging service, electronic transmission, or storage system can be guaranteed to be completely secure. You should use caution when transmitting sensitive information electronically.

16. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide requested insurance services.
Service policies.
Maintain required business and transaction records.
Meet carrier and contractual obligations.
Comply with legal, licensing, tax, regulatory, and recordkeeping requirements.
Resolve disputes.
Prevent fraud.
Enforce agreements.
Protect legal rights.

Retention periods may differ based on the type of information, insurance product, applicable law, insurer requirements, and the nature of the customer relationship.

When information is no longer reasonably required, we may securely delete, destroy, anonymize, or deidentify it, subject to legal and operational requirements.

17. Access, Correction, and Privacy Requests

You may contact us to:

Ask what personal information we maintain about you.
Request correction of inaccurate information.
Request deletion where applicable.
Withdraw certain consent.
Ask questions about our privacy practices.

Some requests may be limited by insurance, legal, regulatory, fraud-prevention, contractual, or record-retention requirements. We may need to verify your identity before processing a request.

Submit privacy requests to:

Email: karen@karenlynnwegmaninsurance.com
Telephone: 877-801-6225
Mail: Karen Lynn Wegman Insurance, 520 N. Main Street #3043, Weatherford, Texas 76086.

We will review and respond to verified requests as required by applicable law.

18. Insurance Underwriting and Consumer Reports

Insurance companies may obtain consumer reports, insurance scores, motor vehicle records, claims histories, property reports, medical information, or other underwriting information where permitted by law.

Karen Lynn Wegman Insurance does not control the underwriting criteria, privacy practices, or final decisions of independent insurance companies. Questions concerning an insurer’s underwriting decision or use of personal information may need to be directed to that insurer.

Where required, you may have rights to receive information concerning an adverse action or the consumer reporting agency that supplied a report.

19. Children’s Privacy

Our website and insurance brokerage services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through the website.

Information concerning minors may be collected from a parent, guardian, policyholder, or other authorized adult when reasonably necessary for an insurance application, policy, beneficiary designation, dependent enrollment, claim, or other authorized insurance transaction.

20. Third-Party Websites and Services

Our website may contain links to insurance companies, payment processors, quote platforms, government agencies, social-media services, or other third-party websites.

We are not responsible for the privacy, security, content, or practices of third-party websites or services. Review the privacy notices and terms of those organizations before submitting personal information.

21. Social Media

Information you post publicly on social-media platforms may be visible to others and is governed by the platform’s privacy practices.

Do not post policy numbers, claim numbers, medical information, driver’s license information, Social Security numbers, financial information, or other sensitive personal information on a public social-media page.

22. Changes to This Privacy Notice

We may update this Privacy Notice periodically to reflect changes in:

Our services.
Our information-handling practices.
Technology.
Insurance requirements.
Legal or regulatory obligations.

The revised notice will be posted on this page with an updated “Last Updated” date. Material changes may also be communicated through another appropriate method when required by law.

23. Contact Us

For privacy questions, requests, or concerns, contact:

Karen Lynn Wegman Insurance
Email: karen@karenlynnwegmaninsurance.com
Telephone: 877-801-6225
Mailing Address: 520 N. Main Street #3043, Weatherford, Texas 76086.
Website: https://karenlynnwegmaninsurance.com

For text-message assistance, reply HELP. To stop text messages, reply STOP.