Privacy Policy

Last Updated: February 9, 2026

1. Introduction

Bao’s Insurance LLC dba Anvo Insurance (“Anvo Insurance,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at anvo-insurance.com, use our insurance services, or participate in our SMS messaging program. By using our website or services, you consent to the practices described in this policy.

2. Information We Collect

Information you provide directly: When you request an insurance quote, apply for coverage, file a claim, fill out a form on our website, or otherwise communicate with us, we may collect your name, email address, phone number, mailing address, date of birth, Social Security number (when required for underwriting), driver’s license number, business information (including entity type, revenue, employee count, and industry), property information, vehicle information, claims history, and other details relevant to providing insurance services.

Information collected through SMS: When you opt in to our text messaging program, we collect your phone number, your consent status, the date and time of your opt-in, and the content of messages you send to us during two-way conversations.

Information from third parties: We may receive information about you from insurance carriers, underwriters, credit reporting agencies, motor vehicle records, claims databases, and other third-party sources as necessary to provide insurance services, process applications, and manage policies.

Information collected automatically: When you visit our website, we may automatically collect certain information such as your IP address, browser type and version, operating system, device information, pages visited, time spent on pages, referring URL, and clickstream data through cookies and similar tracking technologies.

3. How We Use Your Information

We use the information we collect to provide insurance brokerage services, including obtaining quotes, binding coverage, and managing policies on your behalf; to process and assist with insurance claims; to communicate with you about your policies, accounts, and service requests; to send transactional SMS messages such as appointment reminders, policy updates, renewal notices, and payment reminders; to send marketing and promotional messages about our insurance products and services (with your consent); to facilitate two-way text conversations for customer support and service inquiries; to improve our website, services, and customer experience; to comply with legal, regulatory, and licensing obligations; to detect and prevent fraud, unauthorized activity, and other risks; and to maintain internal records and perform business analytics.

4. SMS Program Specifics

When you opt in to receive text messages from Anvo Insurance, we want you to know the following: We will not sell, rent, lease, or share your phone number or any opt-in information (including consent status) with any third parties for their own marketing purposes. Your phone number and SMS consent data will only be used by Anvo Insurance for the purposes described in this Privacy Policy and our Terms & Conditions. You can opt out of SMS messages at any time by replying STOP to any message. For help, reply HELP or contact us at info@anvo-insurance.com.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. Cookies are small text files stored on your device when you visit our website. We use essential cookies that are necessary for the website to function properly, analytics cookies that help us understand how visitors interact with our website, and functional cookies that remember your preferences and settings. You can control cookies through your browser settings. Disabling cookies may limit certain features of our website. We may also use third-party analytics tools such as Google Analytics to collect and analyze usage data.

6. How We Share Your Information

We may share your information with insurance carriers, underwriters, and managing general agents as necessary to obtain quotes, bind coverage, process claims, and manage policies on your behalf; with service providers who assist us in operating our business (such as our website hosting provider, SMS platform provider, CRM system, email service providers, and payment processors), who are contractually obligated to protect your information and use it only for the services they provide to us; with legal or regulatory authorities, including state departments of insurance, when required by law, regulation, subpoena, court order, or government request; with credit reporting agencies and industry databases as permitted or required by law; and in connection with a merger, acquisition, reorganization, or sale of assets, in which case you would be notified of any change in ownership or use of your personal information. We do not sell your personal information to third parties.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to provide our services, maintain your account, comply with legal and regulatory obligations (including insurance record retention requirements), resolve disputes, and enforce our agreements. Insurance-related records may be retained for extended periods as required by state insurance regulations. SMS opt-in records and consent data are retained for as long as you are subscribed to our messaging program and for a reasonable period thereafter as required by applicable regulations. If you opt out of our SMS program, we will retain a record of your opt-out preference to ensure we honor your request.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include encryption of sensitive data in transit and at rest, access controls limiting employee access to personal information on a need-to-know basis, regular security assessments, and secure disposal of records containing personal information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security of your information. If we become aware of a data breach affecting your personal information, we will notify you in accordance with applicable law.

9. Your Rights and Choices

SMS opt-out: Reply STOP to any text message to unsubscribe from our SMS program at any time.

Email opt-out: You can unsubscribe from marketing emails by clicking the “unsubscribe” link in any email or by contacting us.

Access and correction: You may request access to, correction of, or deletion of your personal information by contacting us at info@anvo-insurance.com. Please note that certain information may need to be retained for legal, regulatory, or legitimate business purposes.

Cookies: You can manage cookie preferences through your browser settings. Most browsers allow you to block or delete cookies.

Do Not Track: Our website does not currently respond to “Do Not Track” browser signals.

10. State-Specific Privacy Rights

California Residents (CCPA/CPRA): If you are a California resident, you have the right to know what personal information we collect, use, and disclose; to request deletion of your personal information (subject to certain exceptions); to opt out of the sale or sharing of your personal information (note: we do not sell personal information); to correct inaccurate personal information; and to not be discriminated against for exercising your privacy rights. To submit a request, contact us at info@anvo-insurance.com. We will verify your identity before processing your request.

New York Residents: Under the New York SHIELD Act, we maintain reasonable safeguards to protect the security, confidentiality, and integrity of your private information. If you are a New York resident and believe your information has been compromised, please contact us immediately.

Residents of other states with privacy legislation may have additional rights. Please contact us to learn more about the rights available to you under your state’s laws.

11. Insurance Industry Privacy Practices

As an insurance brokerage, certain uses and disclosures of your information are governed by state insurance laws and regulations in addition to general privacy laws. Information collected in connection with insurance transactions may be shared with insurance carriers, reinsurers, and industry organizations as permitted by applicable insurance regulations. You may have specific rights under your state’s insurance privacy laws regarding access to and correction of information in your insurance records. Please contact us for more information about your rights under applicable insurance privacy regulations.

12. Children’s Privacy

Our website 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 personal information from a child under 18, we will take steps to delete that information promptly. If you believe we may have collected information from a child, please contact us at info@anvo-insurance.com.

13. Third-Party Links

Our website may contain links to third-party websites or services, including insurance carrier portals, payment processors, and other resources. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

14. International Users

Our services are intended for users located in the United States. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your jurisdiction.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. Changes will be effective when posted on this page with an updated “Last Updated” date. We encourage you to review this Privacy Policy periodically. Your continued use of our website, services, or SMS program after changes are posted constitutes your acceptance of the revised policy. For material changes, we may provide additional notice via email or through our website.

16. Contact Us

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

Bao’s Insurance LLC dba Anvo Insurance

Email: info@anvo-insurance.com

Website: anvo-insurance.com