HarborShield Marine & Yacht Insurance
 

Privacy Policy & SMS Terms and Conditions
 

Effective Date: October 12, 2026
 

HarborShield Marine & Yacht Insurance LLC ("HarborShield," "Company," "we," "our," or "us") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, protect, and retain information obtained through our website, insurance services, and SMS communications
 

1. Information We Collect
 

We may collect personal information when you:

• Submit an inquiry through our website or contact us directly.

• Request an insurance quote or purchase insurance coverage.

• Communicate with us by phone, email, or SMS.

• Voluntarily subscribe to SMS communications.
   

Information collected may include your name, business name, email address, mailing address, mobile phone number, vessel or insurance-related information, and other details necessary to respond to your requests.

We may also collect basic technical information, such as IP addresses, cookies, and website activity, to support website functionality and improve the user experience.
 

2. How We Use Your Information
 

We use personal information for legitimate business purposes, including:

• Responding to insurance inquiries and providing quotations.

• Communicating about insurance policies, renewals, and service requests.

• Providing customer support and important account notifications.

• Sending SMS communications to individuals who have expressly opted in.

• Maintaining business records and complying with applicable legal obligations.
   

We use personal information only for the purposes described in this policy.
 

3. Privacy and Non-Sharing Commitment
 

HarborShield Marine & Yacht Insurance LLC does not sell, rent, transfer, disclose, or share consumer personal information with any external organizations or third parties for any purpose, even with the consumer's consent, unless disclosure is required by law.

This commitment expressly includes mobile phone numbers, SMS opt-in information, messaging consent records, and all other personal data collected from consumers.
 

Access to personal information is restricted to authorized internal personnel who require it to perform their responsibilities. We maintain appropriate safeguards to prevent unauthorized access, disclosure, or sharing of consumer information.
 

4. SMS Messaging Terms and Conditions
 

By voluntarily opting into HarborShield's SMS messaging service, you agree to the following terms:

SMS Consent: SMS messages are sent only to individuals who have provided their consent to receive text communications from HarborShield.

Message Purpose: Messages may include responses to insurance inquiries, quotation updates, policy information, renewal reminders, and customer service communications.
 

Message Frequency: Message frequency varies depending on your inquiries and insurance service needs.

Message and Data Rates: Message and data rates may apply. Your mobile carrier may charge fees for sending or receiving text messages.

Opt-Out Instructions: You may opt out of SMS communications at any time by replying STOP or UNSUBSCRIBE to any SMS message received from HarborShield. Once your request is processed, you will no longer receive SMS communications, except for a possible final confirmation message.
 

Help Instructions: Reply HELP to any SMS message for assistance, or contact us directly at 954-787-3788 or chris@harborshieldmarine.com.

SMS Data Protection: Mobile phone numbers, SMS opt-in information, and consent records are protected under the non-sharing commitment outlined in Section 3.
 

5. Cookies and Website Technologies
 

Our website may use cookies and similar technologies to support website functionality, understand website activity, and improve the browsing experience.

You may disable cookies through your browser settings, although certain website features may not function as intended.
 

6. Data Security and Retention
 

We implement reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, alteration, loss, or disclosure.
 

Personal information is retained only as long as reasonably necessary to fulfill legitimate business purposes or comply with applicable legal and recordkeeping requirements.
 

You may request deletion of your personal information, subject to any applicable legal retention obligations.

Although we take reasonable precautions, no method of electronic storage or transmission is completely secure.
 

7. Your Privacy Rights
 

Subject to applicable law, you may request to:

• Access personal information we maintain about you.

• Correct inaccurate or incomplete information.

• Delete personal information when legally permissible.

• Withdraw consent for optional communications.
   

To submit a privacy request, email chris@harborshieldmarine.com.
 

To stop SMS communications immediately, reply STOP or UNSUBSCRIBE to any text message from HarborShield.
 

8. Changes to This Privacy Policy
 

HarborShield may update this Privacy Policy periodically to reflect changes in business practices, legal requirements, or privacy standards.

Any updates will be posted on this page with a revised effective date.
 

9. Contact Information
 

If you have questions about this Privacy Policy, your personal information, or our SMS messaging practices, please contact:

HarborShield Marine & Yacht Insurance LLC
 

Phone: 954-787-3788

Email: chris@harborshieldmarine.com

Website: https://www.harborshieldmarine.com