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Effective Date: December 1, 2025

At Anne Scharp Insurance ("we," "us," "our"), your privacy is important to us. This Privacy Policy describes how we collect, use, share, and protect your information.

1. Information We Collect

• Contact Information: Name, email, phone number (including mobile number for SMS)
• Consent Records: Documentation of your opt‑in to receive text messages or other communications 

2. How We Use Your Information

We use your information to:

• Respond to inquiries and provide insurance services or quotes
• Send appointment reminders, updates, or responses via email or SMS
• Improve our services and tailor communications to your preferences

3. SMS/Text Messaging

• By providing your mobile number and opting in, you consent to receive SMS messages from or on behalf of Anne Scharp Insurance.
• Message and data rates may apply. These are standard carrier fees and are not charged by us.
• Message frequency may vary based on your requests or interactions.
• To opt out, reply STOP at any time. For help, reply HELP, or contact us at [support email/phone].

4. How We Share Your Data

We do not sell or rent your personal information. We may share it only with:

• Service providers (e.g., SMS providers like Twilio, etc.) to facilitate message delivery
• Legal authorities if required by law or to protect our rights
• Successors in business transactions (e.g., merger or sale) 

5. Data Security

We implement appropriate technical and organizational measures (e.g., encryption, access controls) to protect your data. However, no system is entirely foolproof.

6. Data Retention

We retain your personal information as long as needed to fulfill the purposes described herein, such as providing services or communications. You may also request deletion of your data, subject to legal obligations.

7. Your Rights

Depending on applicable laws (e.g., CCPA, GDPR), you may:

• Access, correct, or delete your personal information
• Withdraw consent or opt out of SMS communications at any time
• Learn how we use and share your information

8. Updates to This Policy

We may update this Privacy Policy occasionally. The Effective Date at the top will reflect the most recent changes. We encourage you to check back periodically.

9. Contact Us

If you have any questions about this Privacy Policy or your data, please contact us at:

Anne Scharp Insurance
3925 Kirkwood Hwy, Wilmington, DE 19808
Phone: (302) 772‑6520
Email: annescharpinsurance@gmail.com

Terms & Conditions

Effective Date: December 1, 2025

Welcome to Anne Scharp Insurance (“we,” “us,” “our”). By accessing or using our website, services, or communications (including SMS messages), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

1. Use of Our Services

You agree to use our website and services only for lawful purposes and in a manner consistent with all applicable local, state, and federal laws and regulations.

2. Insurance Quotes and Coverage

Any quotes provided via our website, phone, email, or SMS are for informational purposes only and do not constitute a binding agreement to provide insurance coverage.
Coverage is only in effect after:

• Completion of all required applications
• Acceptance by the insurance carrier
• Payment of any required premium

3. No Professional Advice

Information on our website and in our communications is for general informational purposes. It should not replace professional advice from licensed insurance representatives regarding your specific needs.

4. Text Messaging (SMS)

By providing your mobile phone number and opting in, you agree to receive SMS/text messages from or on behalf of Anne Scharp Insurance.

• Message and data rates may apply—these are charged by your carrier, not us.
• Message frequency may vary.
• To opt out, reply STOP at any time. For help, reply HELP or contact us at [Insert Email/Phone].
  We are not responsible for delays or delivery failures due to carrier issues.

5. Intellectual Property

All content on our website—including text, images, graphics, logos, and design—is the property of Anne Scharp Insurance or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of those websites.

7. Limitation of Liability

To the fullest extent permitted by law, Anne Scharp Insurance will not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of our website, services, or communications.

8. Indemnification

You agree to indemnify, defend, and hold harmless Anne Scharp Insurance, its employees, and partners from any claims, damages, or expenses arising from your use of our services.

9. Changes to These Terms

We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated Effective Date.

10. Contact Us

If you have any questions about these Terms & Conditions, please contact:

Anne Scharp Insurance
3925 Kirkwood Hwy, Wilmington, DE 19808
Phone: (302) 752-6520
Email: annescharpinsurance@gmail.com