HOLUB INSURANCE AGENCY PRIVACY NOTICE

Effective Date: September 11, 2026

Holub Insurance Agency respects the privacy of our customers, prospective customers, and website visitors. Protecting personal information is an important part of the way we conduct our business.

This Privacy Notice explains the types of information we may collect, how we use and disclose that information, and the measures we take to protect it. It applies to information collected through our website, by telephone, by email, in person, through insurance applications and quote requests, and while servicing insurance policies.

Information We Collect

The information we collect depends on the insurance products or services you request. We may collect information directly from you, from insurance companies, consumer reporting agencies, public records, insurance-support organizations, and other sources permitted by law.

Information we may collect includes:

• Your name, address, telephone number, email address, date of birth, and other identifying information.
• Driver's license information and, when necessary for an insurance transaction, Social Security number or other government-issued identification.
• Information about household members and drivers.
• Information about automobiles, homes, rental properties, farms, ranches, businesses, recreational vehicles and other property to be insured.
• Current and prior insurance information, policy information, premium and payment information, claims history and loss history.
• Driving records, insurance scores, consumer-report information and other underwriting information when permitted by law.
• Financial information necessary to arrange or service insurance coverage or process payments.
• Health or medical information when necessary for life, health or other insurance products and when permitted by applicable law.
• Information you provide when requesting a quote, submitting an insurance application, contacting our office or requesting policy service.

When you use our website, we may also automatically collect certain technical information, such as your Internet Protocol address, browser type, device information, pages visited, and similar website-use information.

How We Use Your Information

We use personal information primarily to provide insurance products and services requested by you. This may include obtaining and comparing insurance quotes, submitting applications to insurance companies, placing coverage, servicing policies, processing policy changes and renewals, assisting with claims, communicating with you about your insurance, and responding to questions or requests.

We may also use information to verify identity, prevent or investigate fraud, maintain our business records, operate and protect our website and computer systems, improve our services, and comply with legal and regulatory requirements.

As an independent insurance agency, Holub Insurance Agency represents or has access to multiple insurance markets. When you ask us to shop for insurance coverage, we may provide information necessary to obtain quotes or underwriting decisions to more than one insurance company, managing general agency, wholesaler, or other insurance market.

Information We Share

We do not sell your personal information.

We do not disclose nonpublic personal information about current or former customers to unrelated third parties for their own marketing purposes.

We may disclose information as necessary or permitted by law to:

• Insurance companies and other insurance markets from which we seek quotes or place coverage on your behalf.
• Managing general agencies, wholesalers, underwriting organizations and insurance-service organizations involved in obtaining or servicing your coverage.
• Companies that provide services necessary to operate our agency, such as agency-management systems, information-technology providers, secure data-storage providers, payment processors and other service providers.
• Claims professionals and other parties involved in processing or assisting with an insurance claim.
• Consumer reporting agencies and insurance-information services when information is obtained or used for a legally permitted insurance purpose.
• Attorneys, accountants, auditors or other professional advisers when reasonably necessary.
• Government agencies, law-enforcement authorities, courts, regulators or other parties when disclosure is required or permitted by law.
• Other persons or organizations when you direct us or authorize us to make the disclosure.

We may also disclose information as otherwise permitted by applicable federal or Texas law.

Consumer Reports

In connection with insurance underwriting, an insurance company or other authorized party may obtain information from consumer reporting agencies. Such information can include driving records, claims history, insurance scores, and other information used in underwriting.

Consumer-report information is obtained and used only for purposes permitted by applicable law.

Federal law, including the Fair Credit Reporting Act, regulates the use of consumer reports for insurance purposes and provides consumers with certain rights when information from a consumer report contributes to an adverse underwriting decision.

Health Information

Certain types of insurance, particularly life and health insurance, may require medical or health information.

Holub Insurance Agency treats nonpublic personal health information in accordance with applicable law. We may use or disclose health information when necessary for legally permitted insurance functions such as underwriting, placement or issuance of insurance, claims administration or other activities permitted by law.

When applicable law requires your authorization before we may disclose health information, we will obtain that authorization.

How We Protect Your Information

We restrict access to nonpublic personal information to employees and other authorized persons who need the information to provide insurance products or services, perform necessary business functions, or comply with legal requirements.

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

Although no method of electronic transmission or information-storage system can be guaranteed to be completely secure, we take reasonable measures appropriate to the nature and sensitivity of the information we maintain.

Former Customers

Our privacy practices concerning nonpublic personal information also apply after an individual is no longer a customer of Holub Insurance Agency.

We do not disclose nonpublic personal information about former customers except as permitted or required by law.

Website, Cookies and Third-Party Services

Our website may use cookies and similar technologies necessary to operate the site, understand website usage and improve the visitor experience.

Our website may contain links to, or features provided by, third-party websites or services, including insurance quoting systems, insurance companies, video providers or other outside services.

When you leave our website or interact directly with a third-party service, that third party's privacy policy and practices may apply. Holub Insurance Agency is not responsible for the privacy practices of websites or services we do not control.

Children

Our website is intended for adults seeking insurance products or information and is not directed to children under 13.

We may receive information regarding minors from a parent, guardian or policyholder when that information is reasonably necessary for an insurance transaction, such as identifying household members, drivers, insured persons or beneficiaries.

Your Privacy Choices

Holub Insurance Agency does not currently disclose nonpublic personal financial information to nonaffiliated third parties for their independent marketing purposes in a manner that requires you to opt out under applicable insurance privacy laws.

If our information-sharing practices change in a manner that gives you a legal right to opt out, we will provide the required notice and opportunity to exercise that right before making disclosures subject to the opt-out requirement.

You may contact us if you have questions about information we maintain about you or believe information should be corrected. Any request will be handled in accordance with applicable law.

Information Retention

We retain personal information for as long as reasonably necessary to provide insurance services, maintain appropriate business and insurance records, comply with legal or regulatory requirements, resolve disputes and protect our legal rights.

When we no longer need the information, we take reasonable measures to dispose of it securely in accordance with applicable requirements.

Changes to This Privacy Notice

We may revise this Privacy Notice from time to time to reflect changes in our practices, technology or legal requirements.

The effective date shown at the top of this notice identifies the most recent revision.

If our privacy practices materially change in a way that requires additional notice, consent, or an opportunity to opt out under applicable law, we will provide the required notice or opportunity.

Contact Holub Insurance Agency

Questions concerning this Privacy Notice or our privacy practices may be directed to:

Holub Insurance Agency
4001 Featherston Ave.
Wichita Falls, TX 76308
Phone: (940) 691-1053
Email: holubins@gmail.com