Privacy Policy
Last Updated: April 22, 2025
RMB Insurance Agency (“RMB”, “we”, “our”, or “us”) is committed to protecting your
privacy. This Privacy Policy outlines how we collect, use, store, and protect your
personal information, and the rights you have in regard to your data.
1. Information We Collect
We collect personal and sensitive information from you when you:
- Request a quote or service
- Submit an application or form
- Contact us via email, phone, or web form
- Opt in to SMS communication or newsletters
This information may include:
- Full name, address, phone number, email
- Date of birth, driver’s license, SSN (where required by underwriting)
- Insurance history, claims, and vehicle/home/property information
2. How We Use Your Information
Your information is used to:
- Provide insurance quotes and recommendations
- Communicate policy updates and service reminders
- Submit applications to our partner carriers
- Process payments and renewals
- Comply with regulatory or legal obligations
We may also use anonymized data for internal analytics and service improvement.
3. Information Sharing
We do not sell your personal data. We only share your information with:
- Licensed insurance carriers for quoting and underwriting
- Regulatory authorities as required by law
- Trusted service providers (e.g., CRM platforms, SMS providers, processors) who help us
serve you better
All third parties are contractually obligated to safeguard your data.
4. Your Rights
You have the right to:
- Access and review your personal information
- Request corrections or updates
- Revoke marketing or SMS opt-ins at any time
- Request deletion of non-essential data
To exercise these rights, contact us at info@rmbia.com or call us at (507) 424 1044.
5. Data Security
We implement strict administrative, technical, and physical safeguards to protect your
personal data, including:
- Encrypted systems and storage
- Access controls and role-based permissions
- Secure data backups and audit logs
6. Cookies & Tracking (if applicable)
Our website may use cookies or tracking technologies to enhance your user experience. You
can disable cookies in your browser settings.
7. Policy Updates
This Privacy Policy may be updated periodically. Continued use of our services after
changes are made constitutes your acceptance of the revised terms.
8. Contact Us
Questions or concerns about your privacy? Reach out to:
RMB Insurance Agency
Email: info@rmbia.com
Phone: (507) 424 1044
Address: 1418 1st Ave NE SUITE C, Rochester, MN 55906, USA
9. Children's Privacy (COPPA)
RMB Insurance Agency does not knowingly collect or solicit personal information from
children under the age of 13. If we learn that we have inadvertently gathered data from a
child without parental consent, we will promptly delete such information.
10. Data Retention Policy
We retain personal data only as long as necessary to provide services, fulfill legal or
compliance obligations, or resolve disputes. Once no longer required, data is securely
deleted or anonymized.
11. Breach Notification
In the unlikely event of a data breach, RMB Insurance Agency will notify affected
individuals in accordance with applicable laws and will take all reasonable measures to
contain and resolve the breach.
12. Compliance with Privacy Laws
RMB Insurance Agency complies with applicable privacy laws and regulations, including but
not limited to the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws such as
the California Consumer Privacy Act (CCPA), when applicable.
Terms and Conditions
Last updated: April 22, 2025
Welcome to RMB Insurance Agency ("RMB", "we", "our", or "us"). By accessing or using our website, submitting any form, or interacting with our agency in any capacity, you agree to be bound by these Terms and Conditions. Please read them carefully.
1. Agency Services Disclaimer
RMB Insurance Agency is an independent insurance agency offering insurance quotes, policy servicing, and related information through multiple carriers. We strive to provide accurate and timely information, but final responsibility lies with the insured to review and verify all policy details, limits, coverages, and effective dates. Quotes provided are estimates only and do not constitute an offer or guarantee of coverage. No coverage will be bound or issued without confirmation from a licensed agent and, where required, full payment or carrier approval.
2. Errors and Omissions (E&O) Protection Statement
To protect our clients and our agency from misunderstandings:
- All quotes are subject to underwriting approval and may change based on driving history, claims, credit, or other rating factors.
- It is the responsibility of the insured to accurately disclose all information, including property value, vehicle usage, prior losses, and coverage preferences.
- RMB Insurance Agency is not responsible for any uncovered loss, policy lapse, or insufficient limits resulting from failure to disclose, request, or respond to coverage offerings. The insured agrees to return any required documents such as verification forms, loss statements, or rejection acknowledgments in a timely manner. Failure to do so may result in delays, denials, or cancellation of coverage.
3. No Legal or Financial Advice
The content on this site, and our communications with you, do not constitute legal or financial advice. Insurance coverage decisions should be reviewed with a licensed professional or financial advisor where necessary.
4. Electronic Communications and SMS Messaging
By submitting any form or providing your contact information through this site, you agree to receive communication from RMB Insurance Agency, which may include email, SMS text messages, and phone calls.
Message and data rates may apply. Reply STOP to unsubscribe from SMS.
5. Privacy Policy
We collect and protect your data in accordance with our Privacy Policy. By using our services, you consent to our data collection and processing practices.
6. Limitation of Liability
To the maximum extent permitted by law, RMB Insurance Agency shall not be liable for any:
- Indirect, incidental, or consequential damages;
- Delays in binding coverage;
- Missed claims or uncovered losses due to misrepresentation or lack of communication by the insured;
- Lapses or cancellations resulting from failed or delayed payments made via third-party systems or directly to the carrier.
7. User Conduct
You agree not to:
- Misrepresent any information in forms or communications
- Use this site for unlawful or deceptive purposes
- Attempt to bypass security or spam our systems
8. Third-Party Links and Carrier Partners
Our site may include links to third-party carrier websites. RMB Insurance Agency is not responsible for the content, terms, or policies of any external site.
9. Changes to Terms
We may update these Terms & Conditions at any time. Continued use of our site or services after changes are posted means you agree to the updated terms.
10. Legal Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota. Any disputes shall be subject to the exclusive jurisdiction of courts located in Olmsted County, MN.
11. Client Acknowledgment
By using this site or submitting a request, you acknowledge that:
- You have read and understood these Terms & Conditions.
- You are responsible for reviewing your coverage and communicating any changes or
corrections.
- RMB Insurance Agency shall not be held liable for omissions not communicated or
confirmed in writing.