Privacy Policy

Effective Date: February 2026

RMS Truck Insurance ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website rmstruckers.com and use our services.

Information We Collect

Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Request an insurance quote through our website forms
• Contact us by phone, email, or text message
• Apply for insurance coverage
• Communicate with us about our services

The personal information we collect may include:

• Contact Information: Name, email address, phone number, mailing address
• Business Information: Company name, DOT number, MC number, type of trucking operation, radius of operation
• Insurance Information: Current coverage details, loss history, requested coverage types and limits
• Vehicle Information: Make, model, year, VIN, and other details about trucks and equipment
• Driver Information: Driver names, dates of birth, license numbers, driving history

Automatically Collected Information

When you visit our website, certain information is automatically collected, including:

• Usage Data: Pages visited, time spent on pages, click patterns, and other browsing behavior
• Device Information: IP address, browser type, operating system, device identifiers
• Analytics Data: We use Google Analytics to understand how visitors use our site

How We Use Your Information

We use the information we collect to:

• Provide Insurance Services: Process quote requests, bind coverage, issue certificates of insurance, manage policies
• Communicate With You: Respond to inquiries, provide customer support, send policy documents and renewal notices
• Improve Our Services: Analyze website usage, understand customer needs, enhance user experience
• Comply With Legal Obligations: Meet regulatory requirements, maintain records, respond to legal requests
• Protect Our Business: Prevent fraud, enforce our terms, protect our rights and property

How We Share Your Information

Insurance Carriers

We share your information with insurance carriers to obtain quotes and bind coverage on your behalf. These carriers are contractually obligated to protect your information and use it only for insurance purposes.

Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Technology Providers: Cloudflare (website hosting and infrastructure), email service providers
• Analytics Providers: Google Analytics for website analytics
• Business Tools: Customer relationship management systems, document management platforms

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to:

• Comply with legal obligations
• Protect our rights, property, or safety
• Prevent fraud or abuse
• Respond to emergency situations

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change via email or prominent notice on our website.

What We Don't Do

We do not sell your personal information to third parties. We do not share your information with unrelated third parties for their marketing purposes.

Data Storage and Security

Your information is stored on secure servers provided by Cloudflare. We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Security measures include:

• Encrypted data transmission (HTTPS/TLS)
• Access controls and authentication
• Regular security assessments
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

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

• Provide you with insurance services
• Comply with legal and regulatory requirements (typically 5-7 years for insurance records)
• Resolve disputes and enforce our agreements

When information is no longer needed, we securely delete or anonymize it.

Cookies and Tracking Technologies

Our website uses minimal tracking technologies:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Google Analytics to understand website usage (you can opt out via Google's opt-out tool)

We do not use third-party advertising cookies or tracking pixels for marketing purposes.

Your Privacy Rights

California Residents (CCPA)

If you are a California resident, you have specific rights regarding your personal information:

• Right to Know: Request disclosure of the personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information (subject to legal retention requirements)
• Right to Opt-Out: We do not sell personal information, so opt-out does not apply
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

All Users

Regardless of location, you may:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (where permitted by law)
• Withdraw consent where processing is based on consent
• Object to processing of your information

To exercise these rights, contact us at 208-800-0640. We will respond within a reasonable timeframe as required by applicable law.

Children's Privacy

Our website and services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on this page with a new effective date
• Sending email notification to customers with active policies

Your continued use of our website and services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

This privacy policy is a draft for attorney review and should not be considered final until approved by legal counsel.