Privacy Policy

Sunterra Insurance LLC

Effective Date: August 3rd, 2026

1. Introduction

Sunterra Insurance LLC ("Sunterra Insurance," "we," "us," or "our") is committed to protecting the privacy and confidentiality of our clients, prospective clients, and website visitors.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal, financial, business, and insurance-related information obtained through our website, www.sunterrainsurance.com, and our insurance agency operations.

This policy applies to information collected through our website, telephone calls, email, text messaging, customer relationship management (CRM) systems, insurance applications, electronic documents, and other authorized communication channels.

By using our website or submitting information to Sunterra Insurance, you acknowledge the information practices described in this policy. Where consent is legally required, we will request it separately.

2. Information We Collect

Sunterra Insurance may collect information reasonably necessary to respond to inquiries, evaluate insurance needs, obtain quotations, prepare applications, and assist with insurance placement and servicing.

Personal and Contact Information

Full name
Residential and mailing addresses
Email address and telephone number
Business name and contact information
Property ownership and entity information
Information voluntarily provided through website forms or communications

Insurance and Underwriting Information

Property addresses and building characteristics
Commercial and multifamily property information
Property ownership and occupancy details
Building construction, age, condition, and replacement cost information
Business operations and risk exposures
Prior insurance coverage and policy information
Claims history and loss runs
Financial and underwriting information
Other information required by insurance carriers

Sensitive Personal Information

When reasonably necessary for insurance transactions, we may collect additional sensitive information, including identification details, financial records, payment information, or other information relevant to underwriting and policy servicing.

We may require sensitive information to be submitted through approved secure methods rather than standard SMS or unsecured email.

Website and Technical Information

When visitors use our website, certain information may be collected automatically, including IP addresses, browser and device information, website interactions, referral sources, cookies, and analytics data.

We may also receive information from insurance carriers, authorized intermediaries, underwriting providers, and other sources as permitted by law.

3. How We Collect Information

Information may be collected through:

Website contact and insurance quote forms
Telephone conversations
Email communications
Automated CRM text messaging
Individually sent SMS messages
Authorized agency representatives using business or personal mobile devices
Insurance applications and electronic documents
Electronic signature platforms
Insurance carriers, wholesalers, and other authorized insurance providers

Information obtained through these channels may be incorporated into agency records where reasonably necessary for insurance services, recordkeeping, compliance, or other legitimate business purposes.

4. How We Use Information

Sunterra Insurance may use collected information to:

Respond to insurance inquiries and quote requests
Evaluate insurance needs and risk exposures
Prepare and submit insurance applications
Obtain quotations and underwriting decisions
Facilitate insurance purchases and policy placement
Communicate with insurance carriers and intermediaries
Assist with policy issuance, renewals, endorsements, and servicing
Coordinate documents and electronic signatures
Provide customer support
Maintain agency and transaction records
Detect fraud and protect agency systems
Improve website functionality and services
Conduct permitted marketing and advertising activities
Meet legal, regulatory, and contractual obligations

We use and disclose information in accordance with applicable privacy and insurance laws.

5. SMS/Text Messaging and Mobile Communications

5.1 Use of Text Messaging

Sunterra Insurance may communicate with clients and prospective clients through automated CRM messaging platforms, business telephone numbers, and authorized agency representatives' mobile devices.

Text messaging may be used for insurance inquiries, quotations, application information gathering, underwriting communications, document requests, appointment scheduling, policy servicing, and other insurance-related activities.

Marketing text messages may be sent only where permitted by applicable law and supported by the necessary consent.

5.2 Collection of Insurance Information Through Text Messages

Clients and prospective clients may voluntarily provide personal, business, property, financial, and insurance-related information through text messaging.

This information may be used to prepare applications, obtain quotations, communicate with insurance providers, facilitate insurance purchases, and service policies.

Information obtained through text messages may be incorporated into agency records and shared with authorized insurance providers when reasonably necessary to deliver requested services.

5.3 Automated and Individual Text Messaging

Our agency may use automated CRM systems and individually initiated text messages to communicate with clients and prospective clients.

Authorized agency representatives may use approved business communication methods, including personal mobile devices when permitted by agency procedures.

Applicable consent requirements may vary depending on the type, purpose, and technology used to send a message.

5.4 SMS Consent and Opt-Out

Where required by applicable law, Sunterra Insurance obtains appropriate consent before sending automated or marketing text messages.

Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

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

Recipients may opt out of text messaging by replying STOP, where supported, or by contacting Sunterra Insurance directly.

For assistance, reply HELP where supported, call 561-699-3307, or email trupert@sunterrainsurance.com.

We will honor applicable opt-out requests in accordance with legal requirements.

5.5 SMS Privacy and Information Sharing

Sunterra Insurance does not sell personal information.

Mobile telephone numbers and SMS consent information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be shared with messaging platforms, telecommunications providers, and authorized service providers as necessary to deliver and administer communications on behalf of our agency.

Insurance information collected through text messages may be disclosed to insurance carriers, authorized intermediaries, and service providers for legitimate insurance-related purposes as permitted or required by law.

5.6 Security of Text Communications

Standard SMS communications may not be encrypted end-to-end and may be accessible to mobile carriers, messaging providers, or individuals with access to a recipient's device.

Sunterra Insurance takes reasonable precautions designed to safeguard client information handled through approved communication channels.

However, no electronic communication system can be guaranteed to be completely secure.

Clients should avoid sending Social Security numbers, banking credentials, payment card details, government identification documents, or similarly sensitive information through standard SMS.

We may direct clients to approved secure methods when sensitive information is required.

6. Sharing Information with Insurance Providers

As an independent insurance agency, Sunterra Insurance works with insurance carriers, wholesalers, managing general agents, insurance aggregators, and other authorized insurance-related service providers.

To provide requested services, we may share relevant information with:

Licensed insurance carriers
Wholesale insurance brokers
Managing general agents (MGAs)
Insurance aggregators and distribution partners
Underwriters
Claims administrators and adjusters
Property inspection and valuation providers
Other authorized insurance-related service providers

Information may be shared to obtain quotations, evaluate risks, process applications, place insurance coverage, service policies, assist with claims, or fulfill other authorized insurance-related purposes.

We may also disclose information when required by law, legal process, or regulatory obligations.

7. No Sale of Personal Information

Sunterra Insurance LLC does not sell personal information, insurance application information, financial information, or confidential client records to third parties or data brokers.

We may share information with insurance carriers, wholesale brokers, managing general agents, insurance aggregators, and authorized service providers as reasonably necessary to obtain insurance quotations, process applications, place coverage, service policies, and fulfill other legitimate insurance-related purposes.

We do not share mobile telephone numbers or SMS consent records with third parties or affiliates for their independent marketing or promotional purposes.

Certain website analytics and advertising technologies may involve disclosures of information to third-party providers. Depending on applicable law, some of these disclosures may be classified as data sharing, targeted advertising, or a sale even when no monetary payment is received.

Where applicable, we will provide legally required disclosures and privacy choices.

8. Cookies, Google Analytics, and Advertising Technologies

Our website may use cookies, tracking pixels, analytics tools, and similar technologies to understand website traffic, improve functionality, and evaluate advertising performance.

These services may include:

Google Analytics
Meta/Facebook advertising and measurement technologies
Website performance and security services
Other authorized analytics and advertising providers

Depending on their configuration, these technologies may collect IP addresses, device identifiers, browser information, referral sources, and website interaction data.

We do not intend to transmit sensitive insurance application information to advertising platforms.

Visitors may manage certain cookies through browser settings or privacy controls made available on our website.

Where required by applicable law, Sunterra Insurance will obtain appropriate consent or provide applicable choices regarding nonessential tracking technologies.

9. Data Security

Sunterra Insurance maintains reasonable administrative, technical, and physical safeguards designed to protect personal, financial, and insurance-related information against unauthorized access, disclosure, misuse, alteration, or destruction.

Such safeguards may include appropriate access controls, secure systems, employee procedures, and oversight of service providers.

Security measures may vary based on the nature and sensitivity of the information and the systems involved.

Despite reasonable precautions, no electronic storage system, internet transmission, or communication method can be guaranteed completely secure.

In the event of a data security incident, we will evaluate and address applicable notification and response obligations under relevant law.

10. Data Retention and Communication Records

Sunterra Insurance may retain personal information, insurance applications, electronic communications, and relevant text message records for legitimate business, insurance servicing, compliance, and legal purposes.

Retention periods may depend on:

The nature of the information
Insurance application and policy servicing needs
Carrier and contractual obligations
Applicable legal and regulatory requirements
Claims, disputes, and other legitimate business needs

When information is no longer reasonably required, we will take appropriate steps to securely delete, destroy, or deidentify it, subject to applicable retention obligations.

Communications conducted through authorized business systems or agency-approved mobile devices may be preserved as part of agency records.

11. Personal Mobile Devices Used by Agency Representatives

Authorized Sunterra Insurance representatives may communicate with clients through personal mobile devices when permitted by agency procedures.

Agency representatives are expected to handle client information in accordance with applicable privacy laws, confidentiality obligations, and agency information security policies.

Where appropriate, insurance-related communications and documents may be transferred to approved agency systems for recordkeeping, servicing, and compliance purposes.

The use of personal devices does not alter our obligation to protect confidential client information.

12. Your Privacy Rights and Choices

Individuals may contact Sunterra Insurance regarding personal information maintained by our agency.

Depending on applicable law, individuals may have rights to:

Request access to certain personal information
Request correction of inaccurate information
Request deletion of eligible information
Request information about certain disclosures
Withdraw applicable communication consent
Opt out of certain marketing communications
Exercise other privacy rights provided by law

Certain requests may be limited by insurance recordkeeping requirements, contractual obligations, fraud prevention needs, or other legal exceptions.

Requests may be submitted to trupert@sunterrainsurance.com or by calling 561-699-3307.

We may take reasonable steps to verify identity or authority before responding.

13. Confidential Insurance and Financial Information

Sunterra Insurance recognizes that insurance applications, underwriting records, financial information, policy documents, and claims materials may contain confidential information.

We handle such information in accordance with applicable privacy and insurance requirements.

Access to confidential information is limited according to legitimate business needs and applicable legal obligations.

We do not disclose confidential insurance information for unrelated purposes except as authorized or required by law.

14. Third-Party Service Providers

Sunterra Insurance may use third-party providers to support agency operations, including:

CRM and agency management platforms
Business texting and telecommunications services
Email and document management systems
Electronic signature services
Website hosting and analytics providers
Insurance quotation and application platforms
Information technology and security providers

These providers may process information on our behalf as necessary to deliver their services.

Where appropriate, we seek to use providers subject to applicable confidentiality, privacy, and security obligations.

Independent providers may also maintain their own privacy policies.

15. Third-Party Websites

Our website may contain links to external websites operated by insurance carriers, business partners, or other organizations.

Sunterra Insurance is not responsible for the privacy practices, security procedures, or content of independently operated third-party websites.

Visitors are encouraged to review the applicable privacy policies before submitting information to external websites.

16. Children's Privacy

Our website and insurance services are intended for adults and individuals authorized to conduct insurance-related business.

We do not knowingly solicit personal information directly from children under 13 through our website.

If we become aware that personal information was collected from a child under 13 without appropriate authorization, we will take appropriate steps consistent with applicable law.

17. Applicable Privacy Laws

Sunterra Insurance seeks to comply with applicable federal and state privacy, insurance, consumer protection, and electronic communication laws.

Depending on the transaction and information involved, these requirements may include:

The Gramm-Leach-Bliley Act (GLBA) and applicable insurance privacy requirements
Florida insurance privacy regulations
The Florida Information Protection Act
Applicable Telephone Consumer Protection Act (TCPA) requirements
Applicable federal and state electronic communications laws
Other relevant privacy and information security requirements

Certain insurance customers may receive separate privacy notices or additional disclosures where required by law.

Nothing in this Privacy Policy limits rights that cannot lawfully be waived.

18. Changes to This Privacy Policy

Sunterra Insurance may revise this Privacy Policy periodically to reflect changes in agency operations, technology, services, or applicable legal requirements.

Updated versions will be posted on our website with a revised effective date.

Where required by applicable law, we will provide additional notice or obtain consent before implementing material changes.

19. Contact Information

For questions about this Privacy Policy, personal information, or our communication practices, please contact:

Sunterra Insurance LLC

1915 Lavers Cir E306
Delray Beach, FL 33444

Phone: 561-699-3307
Email: trupert@sunterrainsurance.com
Website: www.sunterrainsurance.com
Florida Insurance Agency License: L137589