Privacy Policy

At BINOITHOMAS.US, operated by Binoi Thomas, we are committed to safeguarding the privacy and confidentiality of our clients and website visitors. As a licensed insurance agent operating in Missouri City, Texas, we understand that insurance quote requests and policy maintenance require the sharing of highly personal and sensitive information.

This Privacy Policy outlines how we collect, use, process, and protect your personal, financial, and insurance details. By using our website, submitting an inquiry, or initiating a quote request, you consent to the data practices described in this policy.

To provide accurate insurance quotes, process policy applications, and service your existing coverages, we may collect several categories of non-public personal information (NPI):

• Contact Information: Name, physical address, mailing address, telephone numbers, and email address.
• Personal Identifiers: Date of birth, gender, marital status, and driver's license number.
• Property Details: Information regarding your residence, real estate holdings, and vehicle specifics (VIN, make, model, safety features) to assess home and auto risks.
• Insurance History: Details of your prior insurance policies, claim histories, and coverage choices.
• Financial Information: Credit score indicators, payment preferences, or banking credentials (only when establishing premium payments).

We collect your information through transparent, secure channels, primarily:

• Direct Submission: Information you type into our online contact or quote request forms.
• Direct Communications: Information you provide during telephone consultations, emails, or text messages.
• Third-Party Reports: With your permission, we obtain consumer report data, such as motor vehicle records (MVRs), claim reports (CLUE), and credit-based insurance scores from consumer reporting agencies to secure accurate carrier pricing.

Your personal information is strictly used for standard, legal, and operational purposes related to insurance production and servicing:

• Generating competitive insurance quotes from our network of trusted, A-rated insurance carriers.
• Processing, establishing, and renewing your insurance policies.
• Assisting in claims documentation and communication with underwriters.
• Answering your inquiries, providing annual reviews, or updating policy limits.
• Complying with the Texas Department of Insurance (TDI) and federal regulatory laws.

We do not sell, rent, license, or trade your personal information to third-party telemarketers or external entities for marketing purposes.

We only share your information with third parties as necessary to complete transactions or services you request:

• Insurance Carriers & Underwriters: To request quotes and bind policies on your behalf.
• Service Providers: Secure platform partners, billing systems, or customer relationship systems that assist us in daily operations under strict confidentiality contracts.
• Legal Mandate: In response to subpeonas, regulatory requests from state departments, or to protect our legal rights, property, and safety.

We prioritize protecting your data. BINOITHOMAS.US implements industry-grade physical, technical, and administrative security measures:

• Encryption layers (SSL/TLS protocols) across our web pages to secure transit data.
• Secure storage platforms and secure workstations to prevent unauthorized data access.
• Access to your non-public personal information is strictly restricted to Binoi Thomas and certified administrative partners who require that information to service your account.

We retain personal records only for as long as needed to fulfill our insurance transactions, service existing client policies, and satisfy statutory record-retention requirements under Texas law.

We encourage you to maintain the accuracy of your information. You have the right to:

• Request access to verify the personal details we keep in your file.
• Request immediate updates or corrections to any outdated, changing, or incomplete details.
• Opt-out of any supplementary text or email communications.

If you have any questions, feedback, or concerns regarding our Privacy Policy or your personal information safety, please contact us directly: