TWFG Website/App Privacy Notice

Thank you for visiting the TWFG website.

We value you, respect your privacy, and work hard to protect your personal information. Your use of the website or app indicates that you agree to this Privacy Policy and our Terms of Use.

This notice explains how we collect, use and protect your personal information. Non-public personal information is information that identifies an individual which is not made available to the public. This information can be collected by an institution from consumer provided information, customer transactions, or providing a product/service.

What information do we collect?

We collect personal information about you in order to provide desired products and services. We use this information to give you more information about TWFG and its agents, provide quotes, issue policies, assist with and file claims, or to communicate with you about your account, policy, or service. The information we collect varies with the services and products you choose to contact us about or purchase from us. TWFG will collect personal information only in accordance with applicable laws or regulations or in response to your request for a product or service from us.

TWFG collects personal information about you from information you provide to TWFG or our agents on applications and in other communications (such as your name, address, telephone number, email address, birth date, VIN number, and social security number); information from your transactions with us (such as your payment history, billing address, underwriting and claim documents, telephone or voice recordings); and information from non-affiliated companies (such as your claims history, credit reports or consumer history, civil court records, or arrest records). We may review insurance claims information and other loss information reports, and we may also obtain medical or financial information in relation to some types of policies.

How do we protect your information?

TWFG maintains physical, electronic, and procedural safeguards designed to protect your personal information. Only authorized representatives, employees, insurance agents and administrators are permitted to have access to that information. Access is restricted to those individuals who need to do their job or use that information to provide products or services to you.

However, no website, app, database, or system can be guaranteed to be completely impenetrable by hackers. You also have a responsibility to take reasonable measures to protect your personal information and account information.

What Information We May Disclose and To Whom We May Disclose

We do not sell your information to anyone. We do not disclose any personal information about our customers or former customers, except as permitted by law. TWFG may disclose the information we collect about you in order to deliver products and services to you, provide customer service, handle claims, protect against fraud, review claims history or administer your policy. For these purposes, we may share your personal information with insurance companies, insurance brokers, third-party vendors who provide services for your policy or claim, your agent, your mortgagee, and our affiliated companies. We also may disclose information to credit bureaus, or in response to requests from law enforcement agencies or state insurance agencies. Our business partners are legally bound to protect your nonpublic personal information.

For Website Users

We do not use the tracking/collection technology, such as cookies, to collect any of your personal information. The only information we collect when you access the website is what you actually input into the site or app. This includes information provided when you send a question/feedback (name, email, phone number) or zip code if you want to connect with a nearby agent.

Should you submit a comment or feedback, do not submit confidential information in the comment box. Questions or changes regarding your specific account or policy information should be made to your agent directly, not through the general questions/feedback submission page on the website.

For your convenience, links have been provided to third-party websites so that you can obtain a quote or specific policy and claims information. Should you access a link to a third-party website, you will be taken to a website that is no longer governed by TWFG and this privacy policy. Please refer to the third party’s privacy policies carefully as the terms likely differ. TWFG is not responsible for third-party sites.

Our website is not intended for children’s use. We do not market products or services to children under 13 years of age, nor do we knowingly collect information from them.

Please see the TWFG Terms of Use for further notices and responsibilities that come with using our website.

For App Users

The TWFG Mobile app is governed by this Privacy Policy. The app is intended to provide a convenient way for you to access information about your policy, communicate with your agent, and file a claim. The only information we collect when you use the app is the information you provide in the app.

This app allows customers to easily access policy information and talk with your agent about your policy. While agents are responsible for communicating with you about your policy, the binding terms of your contract with insurance company are as written in your policy, not what your agent states either through written or oral communication.

Additionally, the app allows you to upload and submit information. Please only provide the information that is requested. Take reasonable measures to protect confidential information when providing and uploading information. To use certain features of the app, camera access is required. Do not submit any unnecessary confidential information through the photo submission feature.

Using certain features of the app, such as making a payment or claim, will take to you to third- party websites to complete the transaction. Should you access a link to a third-party website, you will be taken to a website that is no longer governed by TWFG and this privacy policy. Please refer to the third party’s privacy policies carefully as the terms likely differ. TWFG is not responsible for third-party sites.

The app is not intended for children’s use. We do not market products or services to children under 13 years of age, nor do we knowingly collect information from them.

Please see the TWFG Terms of Use for further notices and responsibilities that come with using our app.

Email Marketing Choices

We may share your personal information among our affiliate companies to offer you other products and services. You may limit sharing among our affiliate companies by sending an opt-out request to your agent or submitting a request in writing to:

TWFG, Office of the General Counsel
1201 Lake Woodlands Drive, Suite 4020
The Woodlands, Texas 77380

We may also share new products, services, or features with you by email. To opt out of receiving marketing emails from TWFG or its affiliates, send an opt-out request to your agent or click on “unsubscribe” located on the marketing email.

Even if you opt out of marketing emails, you still may receive non-marketing communication from TWFG or one of its agents for issues such as your specific policy/account/services, answers to inquiries, or updated privacy policies.

Your Rights to Access and Amend Your Personal Information

You have the right to request access to the personal information that is maintained about you to ensure that it is accurate. You can also request corrections or deletions of any personal information in our possession.

How to obtain access to, or seek to correct, amend, or delete any of your personal information.
Submit a request in writing to:

TWFG, Office of the General Counsel
1201 Lake Woodlands Drive, Suite 4020
The Woodlands, Texas 77380

The request must include your name; address; telephone number; the specific personal information at issue; the identity of the document or record that contains the disputed personal information; and the desired correction, amendment or deletion (along with any appropriate supporting documentation).

We will notify you within 30 business days after receipt of your request with all required information to notify you either that we have made the requested correction, amendment or deletion or that we will not do so and the reasons for the decision not to do so.

How can you contact us?

If you have questions about this Privacy Notice, you may contact us at:

TWFG
1201 Lake Woodlands Drive, Suite 4020
The Woodlands, Texas 77380

or email legal@twfg.com. Please include your name, address and policy number.

For California Residents

Under the California Consumer Privacy Act of 2018 (CCPA), you are entitled to certain rights regarding your personal information. Below we have summarized your rights and how we adhere to California law. For more detailed information regarding our practices, refer to the previous sections detailing our collection, use, and sharing practices of personal information.

You have a right to know what personal information we collect about you, how we use the information, and how we share it.

  • The only information we collect is what you provide to us, or you consent to use collecting. We do not use cookies or tracking software. We only collect personal information to provide you with goods and services—we do not sell your personal information. Your information is shared with only those who need it to do their jobs, provide you with goods or services, or as required by law. This includes our affiliated companies and third parties.
  • Contact TWFG or your agent to request the specific categories of your personal information we have collected, the pieces of information collected, the sources of collection, the purposes for which we use the information, the categories of third parties that we share and disclose information with. We will make reasonable efforts to complete your request. This information will be provided to you for the 12-month period preceding your request, free of charge. You may request this information up to twice per 12-month period.

You have the right to have your personal information deleted, with some exceptions.

  • You can request that both we and our service providers delete your information.
  • Your request may be denied if, for instance, we cannot verify your request, your
    information is needed to provide you with our products or services, for security practices, or to comply with legal obligations, or if personal information is certain medical information. Please see the California Civil Code for exceptions.
  • Contact TWFG or your agent to request that your personal information be deleted. We will make reasonable efforts to complete your request. Should your request be denied, you can follow-up with TWFG to obtain the reason for denial.

You have the right to opt-out of the sale of your personal information.

  • We do NOT sell any personal information that has been collected. Therefore, you do not need to opt-out of information sales.

You have the right to non-discrimination for exercising your CCPA rights.

  • TWFG acknowledges and respects the privacy rights of all our customers. We care about your privacy and protecting your personal information. Most of the rights prescribed by the CCPA are integrated into our general Privacy Policy, and we will not make you waive your privacy rights.

Changes to our Privacy Notice

We may periodically update or change this Privacy Notice. This Privacy Notice was last updated 1/1/21.

This notice pertains to TWFG’s protection of your information. For questions regarding your policy/coverage or changes to your name/address, please contact your agent.