Last Updated: SEPTEMBER 14th, 2026

Welcome to our website. We value your privacy and are dedicated to protecting your personal data. This privacy policy outlines how we collect, use, store, and protect your personal data, and your rights concerning this data. We do not share your data with third parties for marketing or promotional purposes.

1. Data Sharing and Disclosure

We do not share your personal data with third parties for marketing or promotional purposes. We may share your data with third parties only in the following circumstances:

  • Service Providers: With third-party service providers who perform functions on our behalf, such as IT service providers, data storage providers, and telecom service providers

  • Legal Obligations: When required by law or to respond to legal processes.

  • Protection: To protect our rights, property, and safety, or that of our customers and others.

2. Data We Collect

We collect various types of personal data, including:

  • Identity Data: First and last name.

  • Contact Data: Email address, phone number, billing and delivery address

  • Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.

  • Usage Data: Information about how you use our website, products, and services.

  • Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

3. Methods of Data Collection

We collect personal data using various methods, primarily through forms on our website:

  • Direct Interactions: You provide your personal data when you fill out forms, create an account, subscribe to our services, request marketing materials, or give us feedback.

  • Automated Technologies: As you interact with our website, we may automatically collect technical data about your equipment, browsing actions, and patterns. We collect this data using cookies, server logs, and other similar technologies

4. How We Use Your Personal Data

We use your personal data for the following purposes:

  • SMS Program: If you opt into our SMS program, we will send you messages regarding our services, updates, policies, and promotional offers. You will receive messages about product updates, service notifications, and special offers. You can opt out at any time.

  • Service Provision: To perform the contract we are about to enter into or have entered into with you.

  • Marketing and Communications: To send you marketing materials and communicate with you about our services.

  • Prospecting: To analyze your data to understand your preferences and prospects for new clients.

  • Customer Support: To respond to your inquiries and provide support.

5. Data Storage, Maintenance, and Protection

We implement appropriate security measures to protect your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. These measures include:

  • Data Encryption: Encrypting personal data to protect it from unauthorized access.

  • Access Controls: Limiting access to personal data to authorized personnel only.

  • Regular Security Assessments: Conducting regular security assessments to identify and mitigate potential vulnerabilities.

6. Your Rights

You have the following rights regarding your personal data:

  • Access: You can request access to the personal data we hold about you.

  • Correction: You can request correction of any incomplete or inaccurate data we hold about you.

  • Erasure: You can request deletion of your personal data where there is no good reason for us to continue processing it.

  • Objection: You can object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation that makes you want to object to processing on this ground.

  • Restriction: You can request restriction of processing of your personal data.

7. Opt-Out Options and Mobile Information

You have the right to opt out of receiving marketing communications from us at any time by:

  • SMS: Replying "STOP" to any SMS message you receive from us. Email: Clicking the "unsubscribe" link in any email you receive from us.

  • Account Settings: Updating your preferences in your account settings on our website.

More on mobile information usage, collection, and privacy

  • Our SMS program provides updates, notifications, and promotional messages related to our services. By subscribing to our SMS program, you consent to receive SMS messages at the phone number provided. Message frequency may vary based on your interaction with our service.

  • We do not share your mobile information with third parties or affiliates for marketing or promotional purposes. Additionally, all the categories of personal data mentioned above exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties under any circumstances. However, we may share your data with trusted service providers who assist us in operating our SMS program, provided they agree to keep your data confidential and use it solely for the purpose of providing services on our behalf.

  • You have the right to access, correct, verify, or remove your personal information at any time. To manage your information, please contact us at 1-913-229-6222.

  • Opt-Out Option: If you wish to opt-out of receiving SMS messages, you may do so at any time by replying "STOP" to any of our messages or by contacting us directly at 1-913-229-6222. Opting out will not affect your other interactions with our services.

8. Changes to this Privacy Policy

We may change this Privacy Statement from time to time when necessary to reflect changes in our Services, how we use personal information, or the applicable law. If we make changes, we will revise the "Last Updated" date at the top of the statement. If we make material changes, we will provide you with notice or obtain consent regarding such changes as may be required by law. We encourage you to review the Privacy Statement whenever you access the Services or otherwise interact with us to stay informed about our privacy practices and the ways in which you can exercise choice over these practices. The practices described in this Privacy Statement are subject to applicable laws in the locations in which we operate.

9. Who We Are and Scope of This Policy

This Privacy Policy applies to www.rulyins.com and to related communications, including our SMS program. It is provided by Ruly Insurance LLC, doing business as Ruly Insurance Brokerage (“we,” “us,” or “our”), an insurance agency licensed to offer insurance in Kansas, Missouri, Nebraska, and Texas.

This policy describes our website and messaging practices. If you are an insurance applicant or policyholder, some information we handle in connection with quoting, binding, servicing, or claims may also be subject to the Gramm-Leach-Bliley Act and applicable state insurance privacy and data-security rules. Those rules may require a separate insurance privacy notice at the start of the customer relationship. Where that notice applies, it governs that insurance information to the extent of any conflict.

We do not target California residents as a market. A California resident who uses this website or buys a policy is still covered by this Privacy Policy.

10. Additional SMS Program Disclosures

  • By opting in, you agree to receive SMS messages from Ruly Insurance LLC, dba Ruly Insurance Brokerage at the mobile number you provide. Message types may include service updates, policy or account notices, appointment or document reminders, and promotional offers if you separately consent to marketing texts.

  • Message frequency varies.

  • Message and data rates may apply.

  • Reply HELP for help, or contact us using the details in Section 16.

  • Reply STOP to cancel. After you opt out, you may receive one confirmation message. Opting out of SMS does not cancel your insurance coverage or other account communications we must send by law or contract.

  • Consent to receive texts is not required as a condition of purchasing insurance.

  • Our SMS program is intended for individuals 18 years of age or older.

  • We retain SMS opt-in and opt-out records as needed to prove consent, honor opt-out requests, and meet carrier, legal, and recordkeeping requirements.

  • Mobile information, including text messaging originator opt-in data and consent, is not shared with third parties or affiliates for marketing or promotional purposes. That information is not shared with any third parties except as already described in Sections 1 and 7 for service providers who help us operate the SMS program, or when required by law.

11. Cookies and Similar Technologies

When you visit our website, we may use cookies, pixels, and similar technologies, together with server logs, to operate the site, keep it secure, remember preferences, and understand how the site is used.

  • Essential cookies help the site function (for example, page navigation, security, and form submission).

  • Analytics cookies help us see aggregate traffic and site performance.

  • Marketing or advertising cookies, if we use them, help us measure campaigns. We do not use your SMS opt-in data for third-party advertising.

You can control cookies through your browser settings. Blocking some cookies may limit site features. We currently do not respond to browser “Do Not Track” signals because there is no consistent industry standard for them. Third-party tools we use (such as analytics or hosting providers) may collect technical data as described in their own policies.

12. How Long We Keep Personal Data

We keep personal data only as long as reasonably needed for the purposes in this policy, including providing insurance services, operating the website and SMS program, meeting legal and regulatory recordkeeping rules, resolving disputes, and enforcing our agreements.

Typical periods we use as a starting point are:

  • Website inquiries and quote requests: as long as needed to respond and for a reasonable follow-up period, unless you become a customer.

  • Customer, policy, and transaction records: for the life of the relationship and for the period required by insurance, tax, and recordkeeping rules after the relationship ends.

  • SMS opt-in, HELP, and STOP records: while you remain enrolled and for a reasonable period afterward to demonstrate consent and honor opt-outs.

  • Technical and security logs: for a limited period needed for security, fraud prevention, and site operations.

We may keep data longer if we have a legal obligation, a claim, or a legitimate need to defend our rights. When we no longer need personal data, we delete it, de-identify it, or restrict access to it.

13. How to Exercise Your Rights

Section 6 describes rights that may be available to you. To use them, contact us using Section 16. Please say what you are asking for (access, correction, deletion, restriction, or an opt-out) and give enough information for us to find your records.

We may need to verify your identity before we complete a request. We may decline a request when the law allows us to keep the information—for example, policy, claim, fraud-prevention, or regulatory records.

We will not deny goods or services, charge a different price, or provide a different level of insurance service solely because you made a privacy request, except where a difference is reasonably related to the value of the data or required by law.

If we cannot resolve a privacy concern, you may also contact your state insurance department or another regulator that has authority over us.

14. Children’s Privacy

Our website, insurance services, and SMS program are intended for adults. We do not knowingly collect personal data from children under 13. If you believe we have collected personal data from a child under 13, contact us and we will delete it as required by law.

15. Third-Party Websites, Carriers, and Service Providers

Our site may link to third-party websites, payment pages, carrier portals, or insurance-market tools. We are not responsible for those parties’ privacy practices. Review their policies before you submit information to them.

We use service providers to host our website, store data, send email or SMS, process payments, and support IT and telecom functions, as described in Sections 1 and 7. Those providers may process personal data only to perform services for us and are expected to keep it confidential. Insurance carriers, MGAs, and other parties involved in quoting, underwriting, issuing, or servicing a policy may receive the information needed to provide that insurance. That sharing is for insurance operations, not for selling your mobile number for third-party marketing.

16. Contact Us

Questions about this Privacy Policy, privacy requests, or the SMS program:

  • Business: Ruly Insurance LLC d/b/a Ruly Insurance Brokerage

  • Website: www.rulyins.com

  • Email: Service@rulyins.com

  • Phone: 1 (913) 229-6222

  • Mailing address: 7280 NW 87th Terr, Suite C-210, Kansas City, MO 64153

For SMS help, you may also reply HELP. For SMS opt-out, reply STOP.