Privacy Policy
Effective Date: December 26, 2025
Important notice regarding text messaging data: Total Risk Advisors, LLC does not share customer opt-in information, including phone numbers and consent records, with any affiliates or third-parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.
1. Information We Collect:
We collect the following types of information:
a. Information You Provide:
Name, email address, phone number, or other details submitted through forms, purchases, or account creation.
b. Automatically Collected Information:
IP address, browser type, device information, pages viewed, and cookies, opt-in records and time stamps for all communication channels. We use this data for website functionality, analytics, and improving user experience.
c. Payment Information:
If you make a purchase, payment details are processed securely by our third-party payment provider. We do not store full payment information.
2.1 How We Use Your Information
We use your information to:
- Provide and improve our services
- Communicate with you (support, updates, marketing via email and/or text with opt-in consent)
- Process transactions and send confirmations
- Analyze website performance
- Comply with legal requirements
2.2 SMS Messaging and Compliance
By opting in to our SMS text messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates and promotional details.
Opt-In and Consent: You will only receive text messages if you have opted-in. We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws.
Opt-Out Instructions: You can cancel SMS messages at any time by replying to SMS with “stop”, “delete”, or “cancel”. You will receive a final confirmation message and no further messages will be sent unless you opt-in again.
3. Sharing Your Information
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We do not sell your personal data. We may share information with:
- Service providers (payment processors, email platforms, analytics tools)
- Legal authorities, if required by law
All partners are required to protect your information
4. Cookies & Tracking Technologies
We use cookies to remember user preferences, analyze traffic, and improve website performance.
You may control or disable cookies through your browser settings.
5. International Data Transfers
If you are located outside the United States, your information may be transferred to and processed in the U.S. or other countries. We follow globally recognized privacy standards and use lawful safeguards when handling international data.
6. Your Rights
Depending on your location, you may have the right to:
- Access the data we hold about you
- Request correction or deletion
- Opt-out of marketing communications
- Request data portability
- Withdraw consent (where applicable)
To exercise any rights and/or to OPT-OUT, email us at: info@totalriskadvisors.com
7. Data Security
We implement reasonable security measures to protect your personal information. No method of transmission is 100% secure, but we work to keep your data safe.
8. Children’s Privacy
Our website is not intended for children under 18 (or under 16 in the EU). We do not knowingly collect data from minors.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will always be posted on this page.
10. Contact Us
If you have questions about this Privacy Policy, contact us at: Total Risk Advisors, LLC info@totalriskadvisors.com