Privacy Policy

Effective Date: September 8, 2025
Last Updated: September 8, 2025

Our Commitment to Your Privacy

COTA INSURANCE, LLC (doing business as TWFG – Cota Insurance) values you, respects your privacy, and works hard to protect your personal information. Your use of our website, mobile app, or services indicates that you agree to this Privacy Policy and our Terms of Service.

This Privacy Policy applies to personal information collected when you visit our website, interact with any COTA INSURANCE, LLC product or offering, request a quote, purchase an insurance policy, or communicate with us about your account, policy, or service.

What Information We Collect

We collect personal information about you solely to provide the insurance products and services you request. The information we collect varies based on the specific services and products you choose. COTA INSURANCE, LLC collects personal information only in accordance with applicable laws and regulations or in response to your request for a product or service.

Information You Provide

• Contact information (name, address, email address)
• Phone number (always optional – never required)
• Date of birth
• Driver’s license or state identification number
• Vehicle identification number
• Social security number (when legally required)
• Employment or education history (when relevant to coverage)
  
  

Information from Transactions

• Insurance policy number
• Payment history
• Billing address
• Underwriting and claim documents
• Service communications
  
  

Information from Other Sources

• Claims history from insurance databases
• Public records (when permitted by law)
• Credit reports (with your consent and when permitted)
• Medical or financial information (only for specific policy types and with consent)
  
  

How We Protect Your Information

COTA INSURANCE, LLC maintains physical, electronic, and procedural safeguards designed to protect your personal information. Only authorized representatives, employees, insurance agents, and administrators who need the information to perform their job duties have access. We restrict access to those who need it to provide products or services to you.

While we implement strong security measures, no website, app, or system can guarantee complete security. You share responsibility for protecting your personal information and account credentials.

How We Use Your Information

We use your personal information exclusively to:

• Provide insurance quotes and issue policies
• Process claims and provide customer service
• Prevent fraud and verify information
• Administer your policy
• Comply with legal obligations
• Communicate about your account (with your consent)
  
  

Information Sharing and Disclosure

We do not sell your information to anyone.

We only share your personal information with service providers necessary for essential business operations. These include:

• Insurance underwriters (to provide coverage)
• Payment processors (to handle transactions)
• Claims administrators (to process claims)
• Technology service providers (to maintain our systems)
• Legal and regulatory authorities (when required by law)
  
  

All service providers are contractually obligated to:

• Protect your information with appropriate security measures
• Use your information only for the specific services they provide
• Comply with applicable privacy laws
• Never use your information for their own marketing purposes
  
  

We may disclose information when required by law, including in response to subpoenas, court orders, or requests from law enforcement agencies.

Text Messaging Consent and Privacy

Our Text Messaging Program

Providing your phone number is always optional. You can receive all our insurance services without providing a phone number. If you choose to provide your phone number, we offer two types of text messaging services:

1. Marketing and Promotional Messages: Information about new products, services, special offers, and insurance tips from COTA INSURANCE, LLC
2. Transactional and Service Messages: Policy reminders, claim updates, appointment confirmations, payment reminders
   
   

Consent Requirements

• You must explicitly opt-in to receive text messages from COTA INSURANCE, LLC
• We use separate consent checkboxes for marketing and transactional messages
• You control which types of messages you receive
• Consent is never required to receive our insurance services
• Phone number fields are always optional on all our forms
  
  

Message Frequency and Costs

• Message frequency varies based on your account activity and the message types you’ve consented to receive
• Standard message and data rates may apply from your mobile carrier
• COTA INSURANCE, LLC does not charge for text messages
  
  

How to Opt-Out

You can stop receiving text messages at any time:

• Reply STOP to any text message to unsubscribe from all messages
• Reply HELP for assistance
• Contact your insurance agent directly
• Email us at jcota@twfg.com
• Call us at 281-367-3424
• Send written request to our address below
  
  

Text Message Data Usage

We do not share your mobile phone information with third parties for their promotional purposes. Your phone number is used only for the specific purposes you’ve consented to receive.

Email Communications

Marketing Emails To opt-out of marketing emails:

• Click “unsubscribe” in any marketing email
• Contact your agent
• Email jcota@twfg.com
  
  

Transactional Emails Even if you opt-out of marketing emails, you may still receive essential transactional emails about your policy, claims, or direct responses to your inquiries.

Website and Mobile App Usage

Website

• We do not use cookies or tracking technology to collect personal information
• We only collect information you directly provide through our forms
• All phone number fields on our website are optional
• Links to third-party websites are governed by their privacy policies, not ours
  
  

Mobile App

• The app collects only information you provide
• Camera access (when granted) is used only for document submission
• Payment and claims features may redirect to secure third-party processors
• The app is not intended for children under 13
  
  

For Employees, Agents, and Service Providers

This Privacy Policy also applies to current and prospective COTA INSURANCE, LLC employees, agents, and service providers. We collect professional and educational information necessary for employment, licensing, and business relationships. This information is protected with the same security measures and used only for legitimate business purposes.

Your Privacy Rights

Right to Access You have the right to request access to the personal information we maintain about you.

Right to Correct You can request corrections to ensure your information is accurate and up-to-date.

Right to Delete You may request deletion of your personal information, subject to legal requirements and active policy obligations.

How to Exercise Your Rights Submit requests in writing to:

COTA INSURANCE, LLC
Office of the General Counsel
1176 E Warner Rd Suite 107
Gilbert, AZ 85296

Email: jcota@twfg.com
Phone: 281-367-3424
Fax: 281-298-8626

Include in your request:

• Your name and contact information
• Specific information or action requested
• Any supporting documentation
  
  

We will respond within 30 business days of receiving your complete request.

State-Specific Privacy Rights

For Residents of California, Colorado, Connecticut, Utah, and Virginia

You have additional rights under state law:

1. Right to Know: Request specific categories and pieces of personal information we’ve collected, sources, purposes, and third parties we share with
2. Right to Delete: Request deletion of your personal information (with legal exceptions)
3. Right to Opt-Out: We do not sell personal information, so no opt-out is needed
4. Right to Non-Discrimination: We will not discriminate against you for exercising privacy rights
   
   

You may exercise these rights up to twice per 12-month period at no charge.

Children’s Privacy

We do not knowingly collect information from children under 13. Our services are not marketed to or intended for children. If we discover we’ve collected information from a child under 13, we will promptly delete it.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes through our website or direct communication. The “Last Updated” date at the top shows the most recent revision.

Contact Us

For questions about this Privacy Policy or to make a privacy request:

COTA INSURANCE, LLC
Office of the General Counsel
1176 E Warner Rd Suite 107
Gilbert, AZ 85296

Email: jcota@twfg.com
Phone: 281-367-3424
Fax: 281-298-8626

For questions about your insurance policy or coverage, please contact your agent directly.