Privacy Policy

Effective Date: February 13, 2026  |  Last Updated: August 5, 2026

Pinnacle Risk Advisors LLC (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website pinnacleriskad.com (the “Site”) or interact with our services.

1. Information We Collect

Personal Information You Provide

When you fill out a form, request a quote, or contact us, we may collect:

• Full name (first and last)
• Email address
• Phone number (including mobile number)
• Date of birth and driver’s license information when needed for a personal auto quote
• Vehicle information, including vehicle identification numbers (VINs), ownership, use, and mileage
• Driving history, claims, prior insurance carrier, coverage limits, and renewal information
• Business name and type
• State of operation
• Insurance coverage interests and related details
• Any additional information you choose to provide in message fields

Automatically Collected Information

When you visit our Site, we may automatically collect certain information, including:

• IP address and approximate geographic location
• Browser type and version
• Device type and operating system
• Pages visited, time spent on pages, and referring URL
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your quote requests and inquiries
• To verify vehicle information, prepare insurance applications, and request quotes from insurance carriers and underwriting partners
• To provide insurance-related services, including policy placement, renewal reminders, and claims support
• To send transactional and service-related communications (email and/or SMS, if you have opted in)
• To send marketing and educational communications (only if you have provided explicit, separate consent)
• To improve our website, services, and customer experience
• To comply with legal obligations and protect our rights

3. SMS/Text Messaging Policy

SMS Consent and Use

SMS consent is obtained from individuals who voluntarily opt in through one of our website quote forms, including our personal auto quote form, by filling in their details and affirmatively checking the applicable consent box.

If you opt in to receive SMS/text messages from Pinnacle Risk Advisors LLC, the following applies:

• Non-Marketing Messages: With your consent, we may send text messages related to quote requests, policy updates, renewal reminders, appointment scheduling, and customer support.
• Marketing Messages: Only with your separate, explicit consent, we may send occasional marketing messages including coverage tips, risk management resources, and promotional updates.
• Message Frequency: Message frequency varies based on your interactions and the type of messages you have opted in to receive.
• Costs: Message and data rates may apply depending on your mobile carrier and plan.
• Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message and no further texts will be sent.
• Help: Reply HELP to any message for assistance, or contact us at dbrown@pinnacleriskad.com or (770) 758-3197.
• Consent Not Required: Your consent to receive SMS messages is not a condition of purchasing any insurance product or service from us.

Your mobile phone number and SMS opt-in consent will not be shared with any third parties or affiliates for marketing purposes. We may share your information with service providers who assist us in delivering SMS messages (such as our CRM platform), but only for the purpose of sending messages you have consented to receive, and these providers are contractually prohibited from using your information for any other purpose.

4. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

• Insurance Carriers and Underwriters: To obtain quotes and bind coverage on your behalf.
• Government Vehicle Data Services: A VIN may be transmitted to the National Highway Traffic Safety Administration’s vPIC service solely to decode and verify vehicle attributes.
• Service Providers: With third-party vendors who assist us in operating our business (e.g., CRM platforms, email/SMS delivery services), subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, subpoena, court order, or governmental request.
• Business Protection: To protect the rights, property, or safety of Pinnacle Risk Advisors LLC, our clients, or the public.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

Our Site may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors are coming from. You can control cookie preferences through your browser settings. Disabling cookies may affect certain features of the Site.

7. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information
• The right to opt out of marketing communications at any time

To exercise any of these rights, please contact us using the information provided below.

9. Children’s Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Pinnacle Risk Advisors LLC
Email: dbrown@pinnacleriskad.com
Phone: (770) 758-3197
Website: pinnacleriskad.com