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Introduction - All information that you provide through this website portal is being provided to TWFG Insurance Services ("we" "us" or "TWFG Insurance Services"). Note that this Privacy Policy addresses the collection, storage and use of your information by TWFG Insurance Services only. The use of your information by the Agency may be addressed in a separate privacy policy provided or posted by the Agency. TWFG Insurance Services is committed to protecting the privacy of our users and we use our best efforts to ensure that the information you submit to us through this website portal remains private and is used only for the purposes set forth herein.

What this Privacy Policy Covers - This policy covers how TWFG Insurance Services treats personal information that we receive, collect and store, including information related to your past use of our services. Personal information is information about you that is personally identifiable like your name, address, email address, phone number, driver's license number, driver information or other personal information provided to us in connection with your use of this website and our services, and that is not otherwise publicly available.

This policy applies only to TWFG Insurance Services, as well our officers, owners, successors and assigns, but does not apply to the practices of companies that TWFG Insurance Services does not own or control, or to people that TWFG Insurance Services does not employ or manage. Such other companies or persons may have their own privacy policy, which we encourage you to read and understand.

Information Collection and Use - TWFG Insurance Services collects personal information when you use this website portal. When you use this website portal, we ask for information such as your name, email address, birth date, gender, zip code, occupation, driver's license, driving record, and certain other information necessary for us to provide you with insurance premium rate quotes. Additionally, we may ask for your address, Social Security number and information about the assets for which you are seeking insurance protection. Once you use our services, you are not anonymous to us.

TWFG Insurance Services collects information about your insurance policy request and forwards your information to our member insurance carriers for insurance policy rate quote information. We automatically receive and record information on our server logs from your browser, including your IP address, cookie information and the page you request. We use the collected information for the following general purposes: to fulfill your insurance rate quote request, customize the advertising and content you see, improve our services, contact you, conduct research, provide anonymous reporting for internal and external purposes, and for certain other analytical purposes. Our analysis produces "cumulative output" and does not show, display or report specific personally identifiable information.

Information Sharing and Disclosure - We do not sell, share, license or provide personal information about you to any other people or nonaffiliated companies other than to those carriers from which we request insurance policy rate quotes, on your behalf. In connection with our provision of your information, note that:

(a) We will provide the information to trusted partners who work on our behalf and are under confidentiality agreements. These companies or contractors may use your personal information to help us provide services to you.

(b) We will respond to subpoenas, court orders or legal process, or to establish or exercise our legal rights or defend against legal claims. We believe it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or as otherwise required by law.

(c) We will transfer information about you if we are acquired by or merged with another company. In that event, we will post appropriate notifications on this privacy policy before your information is transferred and becomes subject to a different privacy policy.

Confidentiality and Security - We will maintain the confidentiality of the information that we collect during your visit to our website. We do this by maintaining internal practices that help to protect the security and confidentiality of this information and by limiting access to personal information about you to employees who we reasonably believe need to come into contact with that information to provide products and services to you or in order to do their jobs.

Cookies - As is common practice with websites, we use cookies to enhance your web viewing experience. A "cookie" is a small text file that a website can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to recognize your computer in the future. The cookie transmits this information back to the website's computer which, generally speaking, is the only computer that can read it.

When you log onto our website, our website system assigns you a unique identification number and records that number in the cookie file for your computer. Then, when you visit us again, we are able to read this number to help gain prompt access to your information. The cookie can help ensure that your information is kept accurate and also, as a matter of convenience, keeps you from having to re-enter certain personal and identifying information. Despite its existence, the cookie will not be associated with any personal information about you and TWFG Insurance Services will not be able to identify you personally online. The information stored in the cookie is in an encrypted format and cannot be read with out the encryption key.

While we believe that certain cookies enhance your web experience with our website, you have the option of setting your web browser to reject cookies. However, doing so may negatively impact the performance of this website.

Changes to this Privacy Policy - We may, from time to time, update this policy. We will prominently post on this policy page, the date and content of any significant changes in the way we treat personal information.

Disclaimer - The security of all information associated with our users is an important concern to us. As stated above, we exercise care in providing secure transmission of your information from your computer to our, and our affiliates', servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any personal information you transmit to us or from our online products and services, and you do so at your own risk. Once we receive your transmission, we, including our affiliates, use industry standard efforts to safeguard the confidentiality of your personal information, such as firewalls and secure socket layers. However, "perfect security" does not exist on the Internet.

Acceptance of Privacy Policy Terms - By using this website, you acknowledge your agreement with TWFG Insurance Services's privacy policy. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS WEBSITE. Your continued use of TWFG Insurance Services's website following the posting of changes to these terms will mean you accept those changes.

General - This privacy policy is governed by the internal substantive laws of the State of Texas, without regard to its conflicts of law principles. Jurisdiction for any claims arising under the terms and conditions of this privacy policy shall lie exclusively with the state and federal courts of the State of Texas, in the County of Montgomery. If any provision of this privacy policy is found to be invalid by a court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this privacy policy, which shall remain in full force and effect.

LIMITATION OF LIABILITY - TWFG INSURANCE SERVICES WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ANY: (a) USE OF (OR INABILITY TO USE) OUR WEBSITE; (b) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR WEBSITE; (c) FAILURE OF PERFORMANCE; (d) ERROR; (e) OMISSION; (f) INTERRUPTION; (g) DEFECT; (h) DELAY IN OPERATION OR TRANSMISSION; (i) COMPUTER VIRUS; OR (j) LINE FAILURE. TWFG INSURANCE SERVICES IS NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, TWFG INSURANCE SERVICES IS NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, THE LIABILITY OF TWFG INSURANCE SERVICES TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMER - THE MATERIAL ON AND PROVIDED THROUGH THIS WEBSITE IS PROVIDED ON AN "AS –IS" BASIS. THIS MEANS THAT WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (a) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (b) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (c) THAT DEFECTS WILL BE CORRECTED; (d) THAT OUR SITE, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (e) THAT INFORMATION CONTAINED IN THE SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

Questions and Suggestions - If you have any questions or suggestions regarding our privacy policy, please contact TWFG Insurance Services at: TWFG Insurance Services 11111 Katy Freeway, Ste 910 Houston, TX 77079 Attn: Customer Service