Privacy Policy

Effective Date: [8/17/2025]

McKinney Insurance (“we,” “us,” or “our”) is committed to protecting your personal information. This policy outlines how we collect, use, safeguard, and disclose your information in compliance with applicable federal and Texas state laws.

1. Scope & Purpose

This policy applies to personal information collected in the course of: insurance quote requests, policy issuance, claims handling, customer service, online interactions, and related activities.

2. Applicable Laws & Compliance

a) Gramm-Leach-Bliley Act (GLBA)

As a financial institution offering insurance services, we comply with the GLBA’s:

  • Financial Privacy Rule: We provide an initial privacy notice when we establish a customer relationship and annually thereafter. This notice explains the categories of nonpublic personal information we collect, how we use and share it, and your rights to limit sharing with unaffiliated third parties.

  • Safeguards Rule: We maintain a written information security plan with designated staff overseeing risk assessments, monitoring, testing, and adapting controls to safeguard client information.

  • Pretexting Protections: We train staff to recognize and defend against pretexting (i.e., attempts to trick our employees into revealing nonpublic information).

b) Texas Insurance Privacy Requirements

Under rules from the Texas Department of Insurance, we treat nonpublic personal financial and health information as confidential, and disclose it only as permitted by law.

c) Texas Data Privacy and Security Act (TDPSA)

Effective July 1, 2024, with key consumer opt‑out provisions effective from January 1, 2025:

  • We collect only the personal data necessary for the services you request and clearly articulate our processing purposes.

  • We implement appropriate administrative, technical, and physical safeguards to protect your personal data based on volume and sensitivity.

  • We comply with consumer rights—including the rights to know, correct, delete, and opt out of data processing for purposes like targeted advertising or profiling. Information on how to exercise these rights is provided in this policy. Texas Attorney General

Note: TDPSA doesn’t apply to personal data regulated under GLBA, HIPAA, or other similar laws.

d) HIPAA and Texas Health Privacy Laws

If we handle your protected health information (PHI) in connection with health insurance:

  • We comply with the HIPAA Privacy Rule—limiting PHI disclosures, implementing minimum‑necessary standards, appointing a Privacy Officer, training staff, and tracking disclosures.

  • We follow Texas’s state privacy requirements for health information and genetic data.

3. Types of Information We Collect

  • Personal Identifiers: Name, address, contact details, date of birth, SSN, driver’s license number (when needed)

  • Insurance Data: Policy and claim details, coverage information

  • Financial Details: Payment and billing information

  • Health/Medical Info: PHI, if dealing with health-related coverage

  • Usage Data: IP address, browser type, interactions if using our website or digital tools

4. How We Use Your Information

We use your data to:

  • Quote, underwrite, issue, and service insurance policies

  • Process claims and payments

  • Communicate about your policies or inquiries

  • Prevent fraud and meet legal or regulatory obligations

  • Improve our products, services, and digital platforms

5. Sharing of Information

We may disclose your information to:

  • Insurance carriers and underwriting partners for processing policies or claims

  • Service providers (e.g., billing, IT, data hosting) bound by confidentiality

  • Regulators, law enforcement, or attorneys, as required by law

  • Affiliates or third-party partners, within permitted legal contexts (subject to opt-out rights where applicable)

6. Consumer Rights Under TDPSA

You have the right to:

  • Know whether we’re processing your personal data, access that data, and understand why and how it’s used

  • Correct inaccuracies in your personal data

  • Delete your personal data as permitted by law

  • Opt out of data processing for purposes like targeted advertisements, profiling, or the sale of data

You can submit requests via:

  • Email: mckinney@twfg.com

  • Mail: 

    McKinney Insurance
    17043 El Camino Real, #101
    Houston, TX 77058

  • Phone: (281) 996-0040

We’ll respond within the legally mandated timeframes, and outline any appeal process if needed.

7. Data Security Measures

We implement layered safeguards including:

  • Administrative: Risk assessments, written policies, staff training, defined roles

  • Technical: Secure servers, encryption, access controls

  • Physical: Secure offices, controlled access, proper equipment disposal

HIPAA-compliant practices are in place if PHI is involved.

8. Cookies, Tracking & Online Tools

Our website uses cookies or similar technologies to improve user experience, analyze traffic, and ensure functionality. You can manage cookie preferences via your browser settings.

9. Policy Updates

We may revise this policy to align with legal or operational changes. Any updates will include a new “Effective Date.” Annual notice updates will be provided as required under GLBA and applicable laws.

10. Contact Us

For questions, concerns, or to exercise your rights:

McKinney Insurance

McKinney Insurance
17043 El Camino Real, #101
Houston, TX 77058


mckinney@twfg.com
(281) 996-0040