Privacy Policy

Tervo Agency, Inc. Effective Date: July 2, 2026

Tervo Agency, Inc. (“Tervo Agency,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard information when you visit www.tervoagency.com (the “Site”), contact our offices, or use our insurance services.

1. Information We Collect

We may collect the following types of information:

Information you provide directly, including your name, mailing address, email address, phone number, date of birth, driver’s license number, and details about your property, vehicles, business, or insurance needs when you request a quote, submit a contact form, call our offices, or otherwise communicate with us.

Information collected automatically, including your IP address, browser type, device information, pages visited, and referring URLs, gathered through cookies and similar technologies when you use the Site.

Information from third parties, such as insurance carriers, consumer reporting agencies, and other sources used in the normal course of quoting and servicing insurance policies, as permitted by law.

2. How We Use Your Information

We use the information we collect to:

  • Provide insurance quotes and place, service, and renew insurance coverage on your behalf
  • Respond to your inquiries and communicate with you about your policies, quotes, and claims
  • Send text (SMS) messages if you have opted in to receive them (see Section 4)
  • Improve our website, services, and customer experience
  • Comply with applicable federal and state laws, including insurance regulations
  • Protect against fraud and unauthorized transactions

3. How We Share Your Information

We do not sell your personal information. We may share information only as follows:

  • Insurance carriers and underwriters for the purpose of quoting, binding, and servicing your insurance coverage
  • Service providers who perform functions on our behalf (such as website hosting or communications platforms) and are contractually obligated to protect your information
  • Legal and regulatory authorities when required by law, subpoena, or regulatory obligation
  • As permitted under the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy regulations governing nonpublic personal financial information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

4. SMS / Text Messaging Terms

By providing your mobile phone number and opting in to receive text messages from Tervo Agency, Inc., you consent to receive informational and customer-care text messages related to your quotes, policies, appointments, and account, including messages sent using an automated system.

  • Consent is not a condition of purchase. You may obtain quotes or insurance services without opting in to text messages.
  • Message frequency varies. Message and data rates may apply.
  • Opt out at any time by replying STOP to any message. After you send STOP, we will send a final message confirming your unsubscription. No further messages will be sent unless you re-subscribe.
  • For help, reply HELP to any message, call us at (906) 482-0080, or email us using the information in Section 9.
  • Carriers are not liable for delayed or undelivered messages.

As stated above, mobile opt-in data and consent will not be shared with or sold to third parties or affiliates for marketing or promotional purposes.

5. Cookies and Website Analytics

The Site may use cookies and similar technologies to operate properly, remember your preferences, and analyze site traffic. You can adjust your browser settings to refuse cookies, though some features of the Site may not function properly as a result.

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, service your insurance needs, and comply with legal, regulatory, and record-keeping requirements applicable to licensed insurance agencies.

8. Children’s Privacy

The Site is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, please contact us and we will delete it.

9. Your Choices and Contact Information

You may request access to, correction of, or deletion of your personal information (subject to legal and regulatory retention requirements), or opt out of marketing communications at any time, by contacting us:

Tervo Agency, Inc. Hancock Office: 230 Quincy Street, Hancock, MI 49930 — (906) 482-0080 Marquette Office: 215 W. Washington St., Marquette, MI 49855 — (906) 226-6610 Website: www.tervoagency.com

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.