Privacy Policy

Information We Collect

SMS Opt-In and Mobile Communications

We may send you text messages (SMS) and other mobile communications when you have given us your consent to do so. By opting in (for example, via our website contact form, booking form, or other sign-up methods), you agree to receive recurring automated marketing and/or informational text messages from Virelia Insurance Group at the mobile number you provided.

• Opt-in method: Consent is collected through our website form(s). You may choose to agree (e.g., by checking the consent box) before we send SMS; the consent box is optional.
• Message types: We may send SMS to respond to your inquiries, send appointment reminders, follow up on applications or quotes, and occasionally send relevant updates, tips, or promotional offers about our insurance and financial services.
• Message frequency: Frequency varies (e.g. one-time replies to your inquiry, or occasional ongoing messages if you have opted in). You may receive multiple messages per month depending on your interaction with us.
• Message and data rates: Message and data rates may apply. Your mobile carrier may charge you for messages you send or receive.
• How to opt out (stop messages): You can stop receiving messages at any time by (1) replying STOP to any SMS from us—you will receive a confirmation and we will stop sending you SMS; (2) replying HELP for help or support contact info; or (3) contacting us by email or phone (see Contact Us) and asking to be removed. We will stop sending you messages as soon as reasonably possible after your request.

We do not use purchased, rented, or third-party lead lists for SMS. We do not sell or share your mobile number. We only message individuals who have opted in through our own channels.

Mobile and Information Sharing with Messaging Providers

To deliver SMS and other mobile communications, we work with third-party messaging and telecommunications service providers. In connection with sending you text messages and managing our communications:

• We may share your mobile phone number and related contact details with these service providers only so they can deliver messages on our behalf. We do not share or sell your phone number to third parties for their own marketing, advertising, or for sale. Your number is never sold.
• Your mobile number and message content may be processed by or pass through mobile network operators (carriers) and messaging platforms in accordance with their own policies and applicable law.
• We do not sell your mobile number or personal information. We share information only as needed to provide the services you have requested (e.g., sending the messages you consented to) and as described in our Information Sharing and Disclosure section.

We do not sell or share your mobile number with anyone for their marketing or for resale. Numbers are used only to deliver the messages you have agreed to receive from us.

By opting in to SMS, you acknowledge that your information may be shared with and processed by these providers and carriers as necessary to deliver our messages to you.

How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our insurance services
• To process insurance applications and underwriting
• To communicate with you about your account, policies, and services
• To send you marketing communications (with your consent)
• To comply with legal obligations and regulatory requirements
• To detect and prevent fraud or other illegal activities
• To analyze website usage and improve user experience
• To conduct respectful, professional outreach to businesses we believe may benefit from our services, using only publicly available business information (e.g., from public directories or map listings), and to honour any request to cease contact

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Insurance Carriers: We share information with insurance companies to process applications and manage policies
• Service Providers: We may share information with third-party service providers who assist in our operations
• Legal Requirements: We may disclose information when required by law or to protect our rights
• Business Transfers: Information may be transferred in connection with a merger, acquisition, or sale of assets
• With Your Consent: We may share information with your explicit consent

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt-out of marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We take appropriate safeguards to ensure your information is protected in accordance with this Privacy Policy.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

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