Privacy Policy

Xpress 2GO Insurance Agency (“Xpress 2GO,” “we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit https://www.xp2goinsurance.com/ and use our services, including SMS communications. This Policy applies to current and former customers and is designed to comply with applicable laws, including the Gramm‑Leach‑Bliley Act (GLBA), CCPA/CPRA, Florida privacy laws, and telecommunications regulations.

1. Information We Collect

We may collect the following categories of personal information:

Identifiers
Name, address, email, phone number, IP address, and online identifiers.

Personal Information
Date of birth; driver’s license or government‑issued ID when required.

Insurance & Financial Information
Insurance history and coverage needs; policy, underwriting, and claims‑related information; payment and billing information (processed securely).

Internet Activity
Device, browser, and website interaction data.

Sensitive Personal Information
Driver’s license and underwriting‑related data only as necessary.

2. Consumer Reports and Underwriting

We may obtain information from consumer reporting agencies, motor vehicle records, and claims history databases (such as CLUE reports). This information is used solely for underwriting, rating, and servicing insurance policies.

3. How We Use Your Information

We use your information to:

• Provide insurance quotes, policies, and services
• Process payments and transactions
• Communicate with you, including SMS with consent
• Send service updates and notifications
• Improve our website and customer experience
• Detect fraud and enhance security
• Comply with legal and regulatory requirements

4. SMS Communications and Consent

By providing your phone number and submitting a form on our website, you consent to receive recurring automated SMS messages from Xpress 2GO Insurance Agency. Consent is not a condition of purchase.

Messages may include appointment reminders, policy updates, customer service communications, and marketing messages (if opted in).

SMS Disclosures:

• Message frequency varies (up to 4 messages per week)
• Message and data rates may apply
• Reply STOP to opt out at any time
• Reply HELP for assistance
• Messages will clearly identify Xpress 2GO Insurance Agency as the sender
• Carriers are not liable for delayed or undelivered messages

5. Sharing of Information

We do not sell or share personal information for marketing or advertising purposes.

We may disclose information only:

• To insurance carriers and underwriting partners
• To trusted service providers under confidentiality agreements
• To comply with legal obligations

Mobile opt‑in data will never be shared with third parties for marketing purposes.

6. Do Not Sell or Share My Personal Information

We do not sell or share personal information as defined under CCPA/CPRA.

Requests may be submitted by:

• Email: [email protected]
• Phone: 1‑844‑724‑6990

Requests will be processed in accordance with applicable law.

7. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access your personal information
• Request deletion
• Request correction
• Limit use of sensitive data
• Opt out of certain data uses

We will not discriminate against you for exercising these rights.

8. Cookies and Tracking Technologies

We use cookies to enhance website functionality and analyze traffic. You may disable cookies through your browser settings.

9. Data Security

We maintain administrative, technical, and physical safeguards designed to protect confidentiality, prevent unauthorized access, and ensure data integrity.

10. Data Retention

Information is retained only as long as necessary to provide services, comply with legal obligations, and resolve disputes.

11. Third‑Party Links

We are not responsible for the privacy practices of third‑party websites.

12. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised effective date.

13. Nonpublic Personal Information (GLBA Notice)

We collect nonpublic personal information, including application data, transaction history, and consumer report information. We do not disclose NPI except as permitted by law.

14. Affiliate Sharing

We do not share personal information with affiliates for marketing purposes.

15. Licensing and Regulatory Information

Xpress 2GO Insurance Agency operates in compliance with applicable state insurance laws and regulations. Consumers may contact their state Department of Insurance regarding licensing or complaints.

16. Contact Information

Email: [email protected]
Phone: 1‑844‑724‑6990