Privacy Policy

1. Scope

This Privacy Policy describes how HLBrokers LLC (“HLBrokers,” “we,” “us,” or “our”), a Florida independent insurance agency, handles information throughhlbrokers.com, including the quote-request form, the website chat, and direct website inquiries.

If you later ask HLBrokers to seek coverage, submit an application, or work with an insurance carrier or other provider, additional information and separate notices may apply. The website form does not itself submit an insurance application to a carrier.

2. Information processed

Information entered in the quote form

Name and email

Your name and required email address so HLBrokers can identify and answer the request.

Phone and contact preference

Your required phone number and, when provided, your preferred contact method.

Coverage context

The selected insurance type and, when provided, a property address or business name, business type, current-policy status, approximate coverage amount or contract value, and what you would like reviewed.

Message

Any brief message you choose to include about the request.

Text message choices

Whether you checked either optional text message box, as described inText messages below.

Information entered in the website chat

The website chat is an automated assistant that takes messages for the HLBrokers team. It does not quote, bind, change, cancel, or confirm coverage. What you type in the chat, including any name, phone number, email address, property address, and details you choose to share, is processed to take and deliver your message.

• Retell AI operates the chat. It processes each message with automated language models to write the assistant's replies, and it keeps a transcript and an automated summary of the conversation.
• A chat identifier is stored in a cookie in your browser so your messages stay in one conversation. The conversation text is also kept in your browser's session storage until you close the tab or start a new chat.
• HLBrokers application logs for the chat contain a request ID and the outcome only, not your messages.

Form and request metadata

• A hidden website field used as a honeypot to identify automated submissions.
• A client-generated submission UUID used as an idempotency key to reduce duplicate email delivery.
• A server-generated request ID used to trace the outcome of a request without placing the submitted contact details in application logs.
• IP address and limited request metadata processed for hosting, delivery, firewall screening, security, and rate limiting.

HLBrokers application logs for the quote workflow contain the request ID, outcome, and rate-limit status. Those application log events do not contain the contact details submitted in the form. Infrastructure providers may create their own technical records as part of delivering and securing their services.

3. How information is collected

• Directly from you when you complete the quote form, type in the website chat, or contact HLBrokers.
• From the browser and network request as needed to serve the site and apply security and rate-limit controls.
• Through an agency-arranged channel only when you separately arrange delivery of a policy document under the process described below.
• Through Google Analytics, which uses first-party cookies to measure how the website is used, as described in section 8.

4. How information is used

Website information is used to:

• Respond about the question, coverage review, or quote request you submitted.
• Use the contact information you supplied for that response.
• Take and deliver the message you leave in the website chat.
• Determine what additional details may be needed to continue the conversation.
• Validate the form, reduce duplicate delivery, detect automated abuse, and enforce rate limits.
• Deliver the request to the authorized agency and website-support recipients described below.
• Troubleshoot delivery and security outcomes using limited application logs.
• Understand how visitors find and use the website so it can be improved.
• Send text messages you agreed to by checking an optional box on the form.

Submitting the form or using the chat does not authorize unrelated marketing or automated calls or texts. Text messages are sent only to visitors who check an optional text message box on the form.

5. Providers and recipients

• HLBrokers recipients. Quote-request emails go to authorized agency personnel who respond to the request.
• Website-support recipients. The same quote-request emails go to authorized website-support recipients responsible for operating and supporting the website form and its delivery workflow.
• Vercel. Vercel hosts the website and processes requests through its platform, including firewall and rate limiting functions. Vercel may process IP address, request, security, and technical log information inherent in those services.
• Resend. Resend delivers the quote-request email, including the submitted form fields, to the authorized recipients.
• Retell AI. Retell AI operates the website chat, processes chat messages with automated language models, and keeps chat transcripts and summaries.
• Chat message delivery. A message left in the chat, with the contact details given, is saved to HLBrokers' customer relationship management system (HighLevel) and emailed through Resend to authorized agency personnel and website-support recipients, with an automated summary of the chat.
• Google. Google provides Google Analytics, which receives website usage data as described in section 8. It does not receive the contact details entered in the quote form or the website chat.
• WhatConverts. WhatConverts helps connect accepted quote requests with website visits and marketing sources. It receives the name, email address, phone number, form type, coverage selection, submission identifier, and available visit attribution. Free-text messages, property addresses, and policy details are not included in this form-tracking payload. WhatConverts also provides the tracking phone numbers shown on the website. Calls to a tracking number are connected to the agency's main line at (239) 598-9200 and are recorded after a recording notice is played. For those calls, WhatConverts receives the calling number, the time and length of the call, the call recording, and the website visit associated with the number. Text messages sent to a tracking number are received and stored by WhatConverts.

The website form does not automatically send the request to an insurance carrier. If you later authorize HLBrokers to seek coverage or submit an application, information may be shared under the separate carrier, application, and product processes that apply at that stage.

Text messages

The quote form offers two optional text message boxes. Both are unchecked by default, and neither is required to submit the form. One asks to receive text messages from HLBrokers LLC about your request, such as replies, appointment reminders, and policy service updates. The other asks to receive marketing and promotional text messages from HLBrokers LLC. Entering a phone number without checking a box does not give permission to send text messages.

Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out at any time. You can also call (239) 598-9200.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with service providers that help HLBrokers deliver text messages and support customers, such as its messaging platform (HighLevel) and wireless carriers. All other categories described in this policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Policy documents

Ordinary declarations pages and requested policy documents may be emailed todocs@hlbrokers.com. The website quote form is not an approved channel for policy documents of any kind. For sensitive information, call (239) 598-9200 for a secure delivery method. You can also arrange in-person delivery by appointment.

Access to documents received through these channels is limited to Robert Cuccinello and authorized agency personnel with a business need. No specific access controls are claimed for the docs@hlbrokers.com mailbox or for any other channel. Accidental sensitive submissions and security incidents are escalated to the Owner & Principal Agent.

Documents received are kept as long as needed to prepare policy quotes and for the agency's ordinary recordkeeping. No specific retention or deletion period is stated in this policy, for policy documents or for quote-request emails, correspondence, website logs, provider logs, or other agency records.

7. Retention

This policy states no retention period. Information submitted through the website form and documents received through the channels described in section 6 are kept as long as needed to respond to the request, to prepare policy quotes, and for the agency's ordinary recordkeeping. Chat transcripts and summaries are kept by Retell AI and in the agency's records on the same basis; no specific retention period is stated for them.

8. Analytics and infrastructure data

The website uses WhatConverts to associate quote requests with website visits and marketing sources. Its tracking code uses cookies and processes visit and technical information. After a quote-request email is accepted for delivery, the website sends the selected contact and request fields described in section 5 to WhatConverts. Blocking cookies can limit visit attribution.

WhatConverts' tracking code also replaces the agency's main phone number on most pages with a tracking number, so that a call can be associated with the visit that led to it. Calls to a tracking number reach the same office line and are handled as described in section 5. If the tracking code does not load, the main office number is shown.

The website uses Google Analytics 4, a service provided by Google, to measure how the website is used. Google Analytics sets first-party cookies to recognize a browser across visits and collects information such as pages viewed, how a visitor arrived at the site, browser and device type, and approximate location derived from the network connection.

When a quote request is sent, the website records that a request was sent, along with the form used and the insurance type selected. When a visitor taps a phone number link, the website records the tap and which part of the page it was on. The name, email address, phone number, message, and other contact details entered in the form are not sent to Google Analytics.

Google Signals and advertising personalization features are turned off for this website. The website does not include advertising pixels, behavioral advertising tools, or social-media tracking code.

You can block or delete cookies in your browser settings, or install theGoogle Analytics opt-out browser add-on. Google explains how it uses information from websites that use its services atpolicies.google.com.

Separately, hosting, firewall, network, and email infrastructure providers may still generate and process request identifiers, IP addresses, delivery records, security events, or other technical data inherent in their services.

9. Security and sensitive information

The website validates quote-form inputs, limits request size, uses a honeypot, assigns request identifiers, and applies configured firewall and rate-limit processing. Application logging is limited as described above. No internet transmission, email, or storage method can be guaranteed completely secure.

Do not include Social Security numbers, payment details, medical records, financial-account credentials, policy documents, or other sensitive information in the quote form or the website chat. Ordinary declarations pages and requested policy documents may be emailed todocs@hlbrokers.com. For sensitive information, call (239) 598-9200 for a secure delivery method.

This policy describes only the practices established in current code and the approved document-intake decision.

10. Requests and possible rights

Depending on applicable law, a person may have rights concerning personal information. This policy does not state that a particular privacy regime applies to HLBrokers or promise a right or response period beyond what applicable law requires.

11. Age and jurisdiction

HLBrokers is a Florida agency serving clients in Florida. The website currently has no age gate. This policy does not establish a minimum age or international-use rule.

12. Changes to this policy

If this policy is later changed, HLBrokers will post the revised version on this page and update the displayed date.

13. Contact information