Privacy Policy Statement & Terms of Service
At Tom Molloy Insurance, we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:
Tom Molloy Insurance is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.
Information Collection
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at Tom Molloy Insurance, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder.
We will maintain a record of your information at the offices of Tom Molloy Insurance so we can provide you with policyholder service. The employees of Tom Molloy Insurance are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.
When you purchase an insurance policy from Tom Molloy Insurance, you will pay the premiums with your credit card or personal check. We do not keep a record of your credit card information. If you pay the premium using your personal check, we might keep a copy of your check in your file. When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.
We may collect personal information from:
- You, on applications or other forms. Information we collect may include names, address, and social security numbers.
- Your transactions with us, such as payments of premiums or submission of claims.
- Third parties, including doctors, employers, and other insurers. Information we collect may include medical records, employment history and claim history.
- Credit reporting agencies, insurance reporting agencies, government agencies, and medical information providers.
Information Disclosure
Our agency makes every effort to maintain absolute privacy while using our web site. If information is ever viewed by another party, it is purely accidental and by using our web site, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.
We do not sell nonpublic information to anyone. We do not disclose nonpublic personal information to our affiliates or to non-affiliated third parties, except as required or permitted by law. As permitted by law, we may share nonpublic information with companies that perform administrative or marketing services to us. Our contracts with such companies prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.
Disclaimer
Please contact our office at 702-877-6688 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone.
Statements on this website as to policies and coverage's and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation.
Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
Notice of Insurance Information Practices
Personal information about you, including information from a credit report and loss history may be collected from persons other than you in connection with this application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies. Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your authorization to assist in servicing your account. A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices.
Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and (NY: substantial) civil penalties. (Not applicable in CO, HI, NE, OH, OK, OR, or VT; in DC, LA, ME, TN, VA and WA, insurance benefits may also be denied).
Cookies
A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At Tom Molloy Insurance, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
Third Party Links
This Web site may contain links to third party Web sites that are not controlled by Tom Molloy Insurance. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that we are not responsible for the content of third party Web sites linked to us nor are we responsible for the privacy policy or practices of third party Web sites linked to Tom Molloy Insurance. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Tom Molloy Insurance. If you should link to a third party Web site from Tom Molloy Insurance, we strongly encourage you to review and become familiar with that Web site's privacy policy.
Mobile Text Messages
By providing my phone number to Tom Molloy Insurance, I agree and acknowledge that Tom Molloy Insurance may send text messages to my wireless phone number for any purpose. Message and data rates may apply. Message frequency will vary, and you will be able to Opt-out by replying “STOP”. You can text "HELP" and a member of our team will contact you for assistance. You can choose to Opt In or Opt Out by visiting Text Messaging Opt in page.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. This information will not be shared with any third parties.
Changes In Our Privacy Policy
We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.
If you have any questions about our privacy policy, please feel free to contact us at 702-877-6688.
SMS:
Tom Molloy Insurance (“we”, “our”, or “us”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your information when you visit our website, https://tommolloyinsurance.com/ (“Website”), or interact with us in any other manner.
Information We Collect
We may collect the following types of information from you:
Personal Information: When you contact us through our Website, phone, or email, we may collect personal information that you provide, including your full name, phone number, email address, and mailing address.
Automatically Collected Information: When you visit our Website, we may automatically collect certain information about your device and usage, including IP address, browser type, operating system, referring URLs, and pages viewed.
How We Use Your Information
We use the information we collect for the following purposes:
To Communicate with You: We use your contact information to respond to your inquiries, provide legal services, send administrative information, and keep you informed about your case or our services.
Marketing and Promotional Communications: With your consent, we may use your information to send you updates, newsletters, or marketing communications via email, phone, or text message. You can opt out of receiving these communications at any time by following the instructions provided in the communication or contacting us directly.
Legal Compliance: We may use your information to comply with applicable laws, regulations, or legal obligations, including responding to subpoenas, court orders, or legal requests.
Consent to Receive Text Messages You are not required to consent to receiving text messages from Tom Molloy Insurance. By providing your phone number and opting in, you consent to receive text messages from Tom Molloy Insurance regarding your inquiry, our services, or related legal matters. Message and data rates may apply. You can opt out of receiving text messages at any time by replying “STOP” to any text message you receive from us. Please note that opting out may limit our ability to communicate with you regarding your case or services.
SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party and affiliate company for marketing purposes. We may share your information in the following circumstances:
Service Providers: We may share your information with our service providers who perform services on our behalf, such as marketing, customer services, or technical support. These service providers are contractually obligated to protect your information and use it only for services they provide.
Legal Requirements: We may disclose your information if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect our rights, property, or the safety of our users or others.
Data Security We implement reasonable security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Your Rights and Choices
Opting Out: You may opt out of receiving marketing communications from us by following the instructions in those communications or contacting us directly. If you opt out, we may still send you non-promotional communications related to your legal services or our ongoing business relationship.
Access and Update Information: You have the right to access, update, or correct your personal information. To do so, please contact us using the information provided below.
Third-Party Websites Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party websites you visit.
Children’s Privacy Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete such information.
Changes to This Privacy Policy We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this Privacy Policy periodically for any updates.
SMS Terms and Conditions:
1- SMS Consent Communication:
Information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2- Types of SMS Communications:
If consent has been given to receive text messages from [Company Name], messages may be received related to the following (provide specific examples):
- Appointment reminders
- Follow-up messages
- Billing inquiries
- Promotions or offers (if applicable)
Example: "This is a reminder a payment is due by 7/1/25 to prevent your policy from cancelling. Please call our office at 702-877-6688 to make a payment” . Reply STOP to opt out of SMS messaging at any time."
3- Message Frequency:
Message frequency may vary depending on the type of communication. For example, up to 2 SMS messages per week may be received related to [billing or account status.].
Example:
"Message frequency may vary. You may receive up to 2 SMS messages per week regarding your billing or account status."
4- Potential Fees for SMS Messaging:
Standard message and data rates may apply, depending on the carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.
5- Opt-In Method:
Opt-in to receive SMS messages from Tom Molloy Insurance can be done in the following ways:
Verbally, during a conversation
By submitting an online form
6- Opt-Out Method:
Opting out of receiving SMS messages can be done at any time by replying "STOP" to any SMS message received. Alternatively, direct contact can be made to request removal from the messaging list.
7- Help:
For any issues, reply with the keyword HELP. Alternatively, help can be obtained directly from us at the contact page.
Additional Options:
If SMS messages are not desired, the SMS consent box on forms can be left unchecked.
8- Standard Messaging Disclosures:
Message and data rates may apply.
Opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions page.
Message frequency may vary