Privacy Policy

Effective Date: 01/01/2024
Last Updated: 09/18/2025

At Royalty Insurance Agency (“Royalty,” “we,” “our,” or “us”), we value your trust and are committed to protecting your privacy. This Policy explains how we collect, use, share, and protect your information when you visit our website, use our mobile application, or interact with our insurance products and services.

By using our Website, App, or Services, you agree to this Policy and our Terms and Conditions. If you do not agree, please discontinue use.

1. Scope of This Policy

This Policy applies when you:

• Visit our website www.royaltyinsurance.com (the “Website”)
• Download or use our mobile application (the “App”)
• Request quotes, purchase policies, or use any Royalty product or service (collectively, the “Services”)

This Policy does not apply to:

• Information collected by third parties (such as linked apps, sites, or services)
• Personal Information shared directly with carrier partners at your request

We define “Personal Information” as any data that identifies you or could reasonably be linked to you. De-identified or aggregated information is not considered Personal Information. We will not attempt to re-identify such data unless you have given consent.

2. Categories of Personal Information We Collect

Depending on how you interact with us, we may collect:

• Contact Information: name, address, phone number, email
• Identifiers: date of birth, driver’s license or state ID, social security number, insurance policy number
• Financial Information: bank account details, credit card number, mortgage or lease information
• Employment/Education Information: employment history, professional licenses, education details
• Medical Information (if required for specific policies, e.g. health or life insurance)
• Audio Data: recorded phone calls with our agents for training and quality assurance
• Property & Commercial Information: details on property ownership, personal property, and insurance purchasing history
• Internet/Device Information: IP address, browser, device identifiers, cookies, usage details
• Geolocation Data: if enabled while accessing our Website or App
• Insurance Details: policy coverage selections, term lengths, start dates, co-applicant information
• Profile/Inference Data: preferences and traits inferred from your use of our Services

3. How We Collect Information

We may collect information from:

1. You directly – when you complete forms, request quotes, apply for a policy, communicate by phone or email, respond to surveys, or use our Website or App (including cookies and tracking technologies).
2. Public sources – such as property records, mortgage data, and insurance registries.
3. Service providers – vendors that supply data for underwriting, verification, fraud prevention, or analytics.
4. Carrier partners – when fulfilling quotes or binding coverage.

4. How We Use Your Information

We use Personal Information to:

• Deliver our Services – present our Website/App, generate quotes, issue policies, and provide customer support
• Communicate with you – respond to questions, confirm transactions, provide policy updates, and send service-related notices
• Direct marketing – inform you about new insurance offerings that may interest you (you may opt out at any time)
• Personalize your experience – recommend products or services tailored to your needs
• Protect security and prevent fraud – detect, prevent, and respond to security incidents
• Improve our services – conduct internal analytics, training, and research
• Comply with legal obligations – respond to lawful requests and regulatory requirements

AI Use: We may use AI tools to generate summaries of customer calls for internal efficiency. These are reviewed by human agents and are not used for automated profiling or decisions affecting your eligibility.

5. Sharing of Information

We may share Personal Information with:

• Affiliates and subsidiaries – for business operations and compliance
• Insurance carriers and partners – to fulfill your requests for quotes or policies
• Service providers – including those who handle:
  • IT hosting and technology services
  • Payment and billing processing
  • Data analytics and marketing communications
  • Storage and customer service support
• Legal/regulatory authorities – when required to comply with law, court orders, or to protect rights and safety
• Corporate transactions – in the event of a merger, acquisition, or transfer of assets

SMS Consent: If you opt in to receive text messages from Royalty, we will not sell, share, or transfer your consent to third parties.

We do not sell Personal Information for third-party marketing purposes.

6. Employment and Franchise Information

This Policy also applies to information collected from job applicants and franchise partners. We may collect professional, educational, financial, and licensing information to:

• Process employment applications
• Evaluate franchise ownership eligibility
• Support insurance licensing requirements
• Conduct background and fraud checks

We may disclose such information when necessary to protect our rights, customers, employees, or partners.

7. Cookies, Analytics, and Targeted Advertising

We use cookies, pixels, and similar technologies to enhance your experience, measure traffic, and provide targeted advertising.

Information we automatically collect may include:

• Referring and exit websites
• Pages visited and links clicked
• Ads viewed and engagement history
• Date, time, and frequency of visits
• Device type, operating system, ISP, and browser
• Persistent identifiers such as cookies, device IDs, or advertising IDs

You may opt out of targeted advertising:

• Through our “Do Not Sell or Share My Personal Information” link in the Website footer
• By adjusting browser or mobile device ad-tracking settings

8. Security

We implement administrative, technical, and physical safeguards to protect your information. However, no transmission of data over the internet is completely secure. While we take precautions, we cannot guarantee protection against all unauthorized intrusions.

You are responsible for keeping your login credentials confidential.

9. Data Transfers & Storage

Royalty operates in the United States, and your data will be stored and processed on U.S.-based servers. If you access our Services from outside the U.S., your data may be transferred internationally.

10. Your Privacy Rights

Depending on where you live, you may have rights to:

• Access the categories and specific pieces of Personal Information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal and contractual exceptions)
• Opt out of the sale or sharing of data for targeted advertising
• Request a portable copy of your information
• Appeal a decision related to a prior request
• Be free from discrimination for exercising these rights

Verification of Requests

To protect your privacy, we must verify your identity before fulfilling certain requests. We may confirm information by contacting you directly. If verification is not possible, we may deny the request.

Authorized Agents

You may designate an authorized agent to submit requests on your behalf. We may require proof of authorization and may still ask you to verify your identity directly.

How to Submit Requests

• Webform: royaltyinsurance.com/consumer-privacy-request
• Email: privacy@royaltyinsurance.com
• Phone: 1-972-801-9188 
• Mail: Royalty Insurance Agency, 5550 Granite Pkwy., Ste 120, Plano, TX 78024

11. Retention

We retain Personal Information only as long as necessary to provide Services, comply with contracts, meet legal/regulatory obligations, or resolve disputes. When no longer required, information is securely deleted or de-identified.

12. Children’s Privacy

Our Services are not directed at children under 13. We do not knowingly collect data from children. If we learn that we have, we will delete it as soon as possible. Parents may contact us to review or delete their child’s data.

13. Accessibility

This Policy is available in alternative formats upon request. To request an accessible version, please email privacy@royaltyinsurance.com or call 972-801-9188.

14. Changes to This Policy

We may update this Policy periodically. Material changes will be communicated through a notice on our Website homepage, by email, or by other reasonable means. The “Last Updated” date at the top reflects the most recent changes.