Privacy Policy and Terms of Service

Effective Date: November 9, 2025

Last Updated: November 9, 2025


Important Information for Your Use of Our Website

This Privacy Policy describes how your personal information is collected, used, and shared when you visit ravelinrisk.com (the “Site”)

or communicate with Ravelin Risk & Insurance (“we,” “us,” or “our”).

It also explains our SMS Terms of Service in compliance with U.S. mobile carrier and data privacy requirements.

Our goal is to protect your privacy and be transparent about how we use your information.


Personal Information We Collect

When you visit our Site, we automatically collect certain information about your device, including information

about your web browser, IP address, time zone, and some of the cookies installed on your device.

As you browse, we may also collect information about the web pages you view, how you found our Site, and how you interact with it.

This automatically collected data is called Device Information.

We collect Device Information using:

  • Cookies — small data files stored on your device that may include an anonymous unique identifier.

  • Log Files — track actions on the Site (such as pages viewed, IP address, browser type, date/time).

  • Web Beacons, Tags, and Pixels — electronic files used to record browsing patterns and engagement.

If you submit a quote request, contact form, or make a payment through the Site, we may also collect Contact

or Transaction Information, such as:

  • Name, phone number, email address, and mailing address

  • Payment or billing information

  • Insurance policy or quote details

When we refer to “Personal Information,” we mean both Device Information and Contact/Transaction Information.


How We Use Your Personal Information

We use your Personal Information to:

  • Communicate with you

  • Provide insurance quotes, bind policies, and manage your accounts

  • Process payments and billing

  • Send service-related communications (including SMS or email)

  • Improve and optimize our Site and services

  • Conduct analytics and marketing to better serve our clients

We may use Device Information to understand how our visitors use the Site

and to assess the success of our marketing and advertising efforts.


SMS Communications & Consent

By providing your mobile number or texting us directly at (615) 549-6436,

you consent to receive text messages from Ravelin Risk & Insurance.

These messages may include:

  • Appointment reminders

  • Policy and billing notifications

  • Service updates and communication regarding your insurance

Message frequency varies. Message and data rates may apply.


To opt out at any time, reply STOP.

For assistance, reply HELP or contact

service@ravelinrisk.com or call (615) 549-6436.

SMS consent is not shared  with third parties or affiliates.


We do not sell, rent, trade, or transfer your SMS consent or opt-in data to anyone outside our organization.


Sharing Your Personal Information

We may share your Personal Information only as necessary to:

  • Process quotes and policies with insurance carriers or licensed partners

  • Fulfill service requests or legal obligations

  • Comply with applicable laws, subpoenas, or court orders

We do not sell or rent your personal information to marketing firms.


We may use trusted third-party tools (e.g., Google Analytics) to better understand user behavior.

Analytics

We use Google Analytics to understand how visitors use our Site.

You can learn more about how Google uses your information here:

https://policies.google.com



You can opt out here:


https://tools.google.com/dlpage/gaoptout


Behavioral Advertising

We may use your Personal Information to deliver relevant advertisements or remarketing campaigns.


You can manage ad preferences or opt out using these links:


Do Not Track

Please note that we do not alter our data collection practices when a Do Not Track signal is received from your browser.


International Users

If you are a resident of the European Economic Area (EEA), you have the right to access, correct, or delete your Personal Information.

Your data may be processed in the United States, where data protection laws may differ from those in your country.

To exercise your rights, contact us at service@ravelinrisk.com.


Data Retention

We retain Personal Information as long as needed to provide our services,

comply with legal requirements, and maintain proper business records.


You may request deletion of your data by contacting us directly.


SMS Terms of Service

By opting into SMS from a web form or by texting our office, you agree to receive messages from Ravelin Risk & Insurance.

Opt-In / Opt-Out Keywords

  • START – Opt in

  • STOP – Opt out

  • HELP – Get support

Opt-In Message:

Thank you for opting into SMS messaging from Ravelin Risk & Insurance.

Message frequency varies. To opt out, text STOP.

For assistance, text HELP or visit www.ravelinrisk.com. Message & data rates may apply.

Opt-Out Message:

You will no longer receive messages from Ravelin Risk & Insurance.

To opt back in, reply START.

Help Message:

Thank you for contacting Ravelin Risk & Insurance. For assistance, call (615) 549-6436 or email service@ravelinrisk.com.

Visit www.ravelinrisk.com for more information.


Prohibited Message Categories

Ravelin Risk & Insurance does not send or support content relating to:


short-term loans, gambling, cannabis, controlled substances, adult content, or other prohibited categories

under U.S. carrier and CTIA regulations.


Changes to Our Policy

We may update this Privacy Policy from time to time to reflect changes to our practices

or for other operational, legal, or regulatory reasons.


Contact Us

Ravelin Risk & Insurance


9005 Overlook Blvd

Suite 203

Brentwood, TN 37027

📞 (615) 549-6436

📧 service@ravelinrisk.com


🌐 www.ravelinrisk.com