Privacy Policy

Effective Date: 04/08/2026

Chubb/Combined (J. Thomas and Associates Insurance Agency) ("we", "our", or "us") respects your privacy and is committed to protecting your personal information.

1. What Information Is Collected

We collect the following types of personal information:

Full Name
Email Address
Phone Number
Insurance needs and preferences
Other information you voluntarily provide through our website forms or communication channels

2. How Data is Used

We use the collected data to:

Provide personalized insurance quotes
Schedule consultations and appointments
Respond to customer inquiries
Recommend suitable insurance coverage
Improve our website and services based on user interactions

3. SMS Opt-In Details (A2P Compliance)

By providing your phone number and opting-in through our website forms, you consent to receive SMS messages from Chubb/Combined (J. Thomas and Associates Insurance Agency). These messages may include:

Appointment confirmations and reminders
Service notifications and updates
Marketing and promotional offers (only if separately opted-in)

Message frequency may vary. Message and data rates may apply.

You can opt out at any time by replying STOP to any message.

For assistance, reply HELP.

Consent to receive SMS messages is not a condition of purchase.

No sharing of your phone number for SMS marketing outside of this business. Your personal data will not be shared with third-party marketers.

4. Cookies & Tracking

We may use cookies and other tracking technologies on our website to:

Enhance user experience
Analyze website traffic and usage
Track marketing campaigns and user behavior

You can adjust your browser settings to block cookies, but some features of the website may not function as intended without them.

5. Data Security Practices

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, please note that no online transmission of data can be guaranteed to be 100% secure.

6. User Rights

You have the right to:

Access your personal data upon request
Update or correct any inaccurate information
Delete your personal data, subject to any legal obligations we may have to retain certain information
Opt-out of receiving further SMS messages by replying STOP

To exercise these rights, or if you have any questions, please contact us at [email protected]

7. No Sharing of SMS Opt-In Information

We do not sell, rent, or share your phone number with third-party marketers. Your phone number provided for SMS opt-ins will only be used by J. Thomas and Associates Insurance Agency for appointment reminders, service notifications, and marketing (if separately opted in).

8. Changes to this Privacy Policy

We reserve the right to update this Privacy Policy at any time. If we make any changes, we will update the "Effective Date" at the top of this page. Your continued use of our website and services means you accept the updated policy.