ECKO INSURANCE

Privacy Policy

Effective Date: August 26, 2026

ECKO Insurance ("ECKO Insurance," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide when you visit our website, request an insurance quote, contact our agency, or otherwise use our services.

ECKO Insurance is an independent insurance agency based in Palm Bay, Florida, serving customers throughout the State of Florida.

1. Information We Collect

We may collect information that you voluntarily provide to us, including:

• First and last name
• Email address
• Telephone or mobile phone number
• Mailing or physical address when necessary
• Insurance coverage interests and quote request information
• Vehicle, property, business, or other insurance-related information
• Information submitted through website forms
• Communication preferences
• SMS, email, or other communication consent records
• Records of inquiries, requests, and communications with our agency

Automatically Collected Information

When you use our website, certain information may be collected automatically, including:

• IP address
• Browser and device information
• Pages visited and website usage information
• Referring pages or websites
• Cookies and similar technologies

2. How We Use Your Information

We may use information collected through our website and services to:

• Respond to insurance inquiries and quote requests
• Assist you in comparing available insurance options
• Communicate with you regarding your inquiry or requested services
• Provide customer service and support
• Send appointment, quote, service, or account-related communications
• Send SMS or marketing communications when you have provided the required consent
• Maintain records of consent and communication preferences
• Improve our website, services, and customer experience
• Prevent fraud and protect the security of our systems
• Comply with applicable legal and regulatory obligations

3. SMS Messaging and Consent

ECKO Insurance may offer text messaging as a method of communicating with customers and prospective customers.

SMS Opt-In

Consent is obtained when a user voluntarily provides a mobile phone number and checks a dedicated SMS consent checkbox before submitting a website form or otherwise explicitly agrees to receive text messages from ECKO Insurance.

The SMS consent checkbox is not pre-selected. Consent to receive SMS messages is not a condition of purchasing insurance products or services.

Depending on the consent provided, messages may include quote follow-ups, customer service communications, appointment or consultation information, insurance-related notifications, service updates, and promotional messages where specifically authorized.

Message Frequency

Message frequency may vary depending on your interactions with ECKO Insurance and the services you request.

Message and Data Rates

Message and data rates may apply. Contact your wireless carrier for information regarding your mobile messaging or data plan.

Opting Out

You may opt out of SMS communications at any time by replying STOP to any message you receive from us.

After you send STOP, you may receive a final message confirming that you have been unsubscribed. You will not receive additional SMS messages unless you subsequently opt in again.

Help

For assistance with our messaging program, reply HELP or contact ECKO Insurance at (321) 878-3256.

4. SMS Data Protection Statement

We implement reasonable safeguards designed to protect SMS opt-in information and consent records from unauthorized access, disclosure, alteration, or misuse.

5. Information Sharing and Disclosure

ECKO Insurance does not sell, rent, or trade personal information for unrelated third-party marketing purposes.

We may share information with service providers that assist us in operating our business and providing requested services. These may include technology providers, customer relationship management systems, website providers, scheduling systems, communications providers, insurance-related service providers, and other vendors necessary to support our operations.

We may also disclose information where reasonably necessary to comply with law, legal process, regulatory obligations, court orders, or lawful requests from government authorities, or to protect our rights, customers, employees, or business.

Text messaging originator opt-in data and consent are excluded from third-party sharing except with aggregators and providers involved in delivering the SMS messages that you have agreed to receive.

6. Insurance Carriers and Quote Information

As an independent insurance agency, ECKO Insurance may work with multiple insurance carriers and insurance-related providers in order to assist customers in exploring available coverage options.

Information necessary to request, evaluate, or service insurance coverage may be provided to relevant insurance carriers or providers when appropriate to fulfill your request.

SMS opt-in consent itself is not provided to insurance carriers for their independent marketing or promotional purposes.

7. Data Security

We maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information. These measures may include:

• Restricted access to personal information
• Secure systems and access controls
• Authentication and account security practices
• Security monitoring and system updates
• Internal data protection procedures
• Secure storage of communication and consent records

No method of Internet transmission or electronic storage can be guaranteed to be completely secure. Accordingly, while we use reasonable measures to protect your information, we cannot guarantee absolute security.

8. Cookies and Analytics

Our website may use cookies, analytics tools, and similar technologies to understand website activity, improve functionality, remember preferences, evaluate marketing performance, and improve the user experience.

You may control cookies using your browser settings. Disabling certain cookies may affect some website functionality.

9. Your Choices and Rights

Depending on applicable law, you may request to:

• Access or correct personal information we maintain about you
• Request deletion of certain personal information
• Withdraw consent for future communications
• Opt out of marketing emails using the unsubscribe option provided
• Opt out of SMS messages by replying STOP
• Ask questions regarding how your information is used

10. Third-Party Websites

Our website may contain links to websites or services operated by third parties, including insurance carriers and other service providers. ECKO Insurance is not responsible for the privacy practices or content of third-party websites.

We encourage you to review the privacy policy of any third-party website you visit.

11. Children's Privacy and Age Restriction

Our website and SMS messaging program are intended for individuals who are at least 18 years old. We do not knowingly collect information from children under 18 through our SMS program.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, services, or applicable requirements.

The most current version will be posted on this page with an updated effective date.

13. Contact Us

For additional terms governing the use of our website and SMS communications, please review our Terms of Service .