Privacy Policy

Effective Date: 04/16/2026

Cross & Cross Insurance Solutions (“we,” “our,” or “us”) is committed to protecting your privacy and ensuring transparency in how your information is collected, used, and shared. This Privacy Policy outlines how we handle personal information, including information collected in connection with our SMS communications.

1. Information We Collect

We may collect personal information from customers through direct interactions, including but not limited to:
Name
Phone number
Email address
Information related to service inquiries, appointments, or insurance needs
This information is collected when customers contact us directly via phone, in person, or through other communication channels.

2. How We Use Information

The information we collect is used solely for customer care and service-related purposes, including:
Responding to inquiries
Scheduling and confirming appointments
Providing service updates
Communicating regarding insurance-related requests

We may also use your phone number to send SMS messages related to these purposes, only if you have provided consent to receive such messages.

3. SMS Communications Cross & Cross Insurance Solutions sends SMS messages to customers who have opted in through direct contact. These messages are strictly for customer care purposes and may include responses to appointments and service updates. Message frequency varies. Message and data rates may apply.

Customers may opt out of SMS communications at any time by replying STOP to any message.
For assistance, reply HELP or contact us directly.

4. Data Sharing and Disclosure

We do not sell, rent, or share your personal information with third parties for marketing or promotional purposes.

We may share information only in the following limited circumstances:

With service providers or partners who assist in delivering our services (e.g., communication platforms), strictly for operational purposes
When required by law, regulation, or legal process

All third-party partners are required to maintain the confidentiality and security of your information.

5. Data Storage and Security

We take reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. Your information is stored securely and retained only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

6. Your Privacy Choices
You have the right to:

Opt out of SMS communications at any time by replying STOP
Request assistance by replying HELP
Contact us directly to update or request deletion of your information (subject to legal requirements)

7. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated effective date.

8. Contact Information

If you have any questions about this Privacy Policy or how your information is handled, please contact:

Cross & Cross Insurance Solutions
Phone: (760) 229-0502
Email: info@crossinsurancegroups.com

Terms & Conditions

Effective Date: 04/16/2026

By engaging with Cross & Cross Insurance Solutions (“we,” “our,” or “us”), including opting in to receive SMS communications, you agree to the following Terms & Conditions.

1. Services Provided
Cross & Cross Insurance Solutions provides insurance-related services, including responding to customer inquiries, appointment coordination, and service updates. All services are provided in accordance with applicable laws and regulations.

2. SMS Communications & Consent
By providing your phone number and opting in through direct contact, you consent to receive SMS messages from Cross & Cross Insurance Solutions for customer care purposes. These messages may include responses to inquiries, appointment confirmations, scheduling, and service-related updates.

Message frequency may vary
Message and data rates may apply

Consent to receive SMS messages is not a condition of purchase.

3. Opt-Out Instructions
You may opt out of receiving SMS messages at any time by replying:

STOP to unsubscribe
HELP for assistance

After opting out, you will no longer receive SMS messages unless you provide new consent.

4. User Responsibilities
You agree to:

Provide accurate and complete information when communicating with us
Notify us if your contact information changes
Use our services only for lawful purposes

5. Privacy
Your use of our services is also governed by our Privacy Policy. We do not share your personal information with third parties for marketing or promotional purposes.

6. Limitation of Liability
Cross & Cross Insurance Solutions is not liable for any delays, delivery failures, or other issues related to SMS message delivery that are outside of our control, including issues caused by mobile carriers or third-party service providers.

7. Modifications
We reserve the right to update or modify these Terms & Conditions at any time. Updates will be posted on our website with a revised effective date.

8. Contact Information
For questions regarding these Terms & Conditions, please contact:

Cross & Cross Insurance Solutions
Phone: (760) 229-0502
Email: info@crossinsurancegroups.com