Privacy Policy

Last Updated: December 15, 2025

1. Introduction

Flow Insurance Services, Inc ("Company," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://flowinsurance.com, use our services, or interact with us in any way, including through text message (SMS) communications.

This Privacy Policy applies to California residents and complies with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). If you are a California resident, you have specific rights regarding your personal information as described in Section 10 of this policy.

2. Information We Collect

We collect personal information in several ways, including when you provide it directly to us, when third parties provide it to us, and when it is collected automatically through your use of our services.

2.1 Information You Provide Directly

We may collect the following categories of personal information when you apply for insurance, request a quote, contact us, or otherwise interact with our services:

Identifiers: Name, postal address, email address, telephone number (including mobile phone number for SMS communications), date of birth, Social Security number, driver's license number, and other similar identifiers.

Financial Information: Bank account numbers, credit card numbers, payment history, and other financial information necessary to process payments or assess insurance risk.

Insurance Information: Policy numbers, claims history, coverage details, beneficiary information, and information about insured property or vehicles.

Protected Classification Characteristics: Age, marital status, and other characteristics protected under California or federal law that may be relevant to insurance underwriting as permitted by law.

Commercial Information: Records of products or services purchased, obtained, or considered, and other purchasing or consuming histories.

2.2 Information Collected Automatically

When you visit our website or use our online services, we automatically collect certain information, including:

Internet or Network Activity: Browsing history on our website, search history, IP address, device type, browser type, operating system, and information about your interactions with our website and advertisements.

Geolocation Data: General location information derived from your IP address.

3. How We Use Your Information

We use the personal information we collect for the following business and commercial purposes:

To provide insurance services, including processing applications, underwriting policies, administering claims, and managing your account; to communicate with you about your policy, including sending policy renewal reminders, payment confirmations, and other service-related messages via email, mail, telephone, or text message (SMS); to process payments and prevent fraud; to comply with legal and regulatory requirements; to improve our website, products, and services; to respond to your inquiries and provide customer support; and to send you marketing communications where permitted by law.

4. SMS/Text Message Communications

4.1 Consent to Receive Text Messages

By providing your mobile phone number and opting in to receive text messages from us (for example, by checking the SMS consent checkbox on our policy application or renewal form), you expressly consent to receive text messages from Flow Insurance Services, Inc at the mobile number you provided. These messages may include policy renewal reminders, payment due notifications, claims status updates, and other information related to your insurance policy.

4.2 Message Frequency and Charges

Message frequency varies based on your policy and account activity. You may receive messages regarding upcoming renewals, payment reminders, or important policy updates. Message and data rates may apply depending on your mobile carrier and plan. We do not charge for text messages, but your carrier's standard messaging rates may apply.

4.3 How to Opt Out of Text Messages

You may opt out of receiving text messages at any time by replying STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT, OPTOUT, or REVOKE to any text message you receive from us. Upon receiving your opt-out request, we will send you a single confirmation message, and you will no longer receive text messages from us unless you re-subscribe. You may also contact us at 855-368-5502 or [email protected] to opt out.

4.4 Help and Support

For help with our SMS program, reply HELP to any text message or contact us at 855-368-5502 or [email protected]. Opting out of text messages will not affect your insurance policy or your ability to receive important communications through other channels such as email or mail.

5. Disclosure of Your Information

We may share your personal information with the following categories of third parties:

Service Providers: Companies that perform services on our behalf, such as payment processors, IT service providers, claims administrators, and SMS service providers. These providers are contractually obligated to use your information only for the purposes of providing services to us.

Business Partners: Insurance carriers, reinsurers, agents, and brokers involved in underwriting or administering your policy.

Legal and Regulatory: Government agencies, law enforcement, courts, or other parties when required by law, subpoena, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Corporate Transactions: In connection with a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity.

6. Sale or Sharing of Personal Information

Flow Insurance Services, Inc does not sell your personal information for monetary consideration. We do not share your personal information for cross-context behavioral advertising purposes. If our practices change in the future, we will update this Privacy Policy and provide you with the opportunity to opt out.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period may vary depending on the context of the processing and our legal obligations. For insurance records, we typically retain information for at least seven years after the policy expires or a claim is resolved, or longer if required by law.

8. Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, secure data storage, and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. You can control cookies through your browser settings. Please note that disabling cookies may affect the functionality of our website.

10. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA):

10.1 Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected the information, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the information.

10.2 Right to Delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions. We may deny your request if retaining the information is necessary for us or our service providers to complete a transaction, provide a service, detect security incidents, comply with legal obligations, or for other purposes permitted by law.

10.3 Right to Correct

You have the right to request that we correct inaccurate personal information that we maintain about you.

10.4 Right to Opt Out of Sale or Sharing

You have the right to opt out of the sale of your personal information or the sharing of your personal information for cross-context behavioral advertising. As noted above, we do not currently sell or share personal information for these purposes.

10.5 Right to Limit Use of Sensitive Personal Information

You have the right to limit our use of sensitive personal information to purposes necessary to provide the services you requested. We only use sensitive personal information for purposes permitted under the CCPA/CPRA.

10.6 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not deny you goods or services, charge you different prices, provide you with a different level or quality of goods or services, or suggest that you will receive a different price or level of quality for exercising your rights.

10.7 How to Exercise Your Rights

To exercise any of your California privacy rights, you may submit a request by contacting us at 855-368-5502, emailing us at [email protected], or visiting https://flowinsurance.com/privacy-policy. We will verify your identity before processing your request by asking you to confirm information we have on file. You may also designate an authorized agent to make a request on your behalf by providing written authorization.

11. Children's Privacy

Our services are not directed to individuals under the age of 16, and we do not knowingly collect personal information from children under 16. If we learn that we have collected personal information from a child under 16, we will take steps to delete that information as soon as possible.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by posting the updated policy on our website with a new "Last Updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at: