Please review our SMS privacy policy information carefully.

Introduction

D Ray & Associates LLC dba American Truck Insurance (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This SMS Privacy Policy explains how we collect, use, and handle personal data from contacts who opt into our SMS program or campaign.

Information We Collect

When you opt into our SMS program, we may collect the following information:

• Phone number
• Name (if provided)
• Opt-in confirmation
• Any additional information you provide

How We Use Your Information

We use the collected information for the following purposes:

1. Sending SMS Messages: We use your phone number to send SMS messages related to our insurance services, updates, billing, collections, promotions and to fulfill any other purpose for which you provide it and in any other way we may describe when you provide the information with your consent.
2. Customer Service: We may use your phone number to respond to inquiries, provide support, and address any issues related to our services.
3. Marketing and Promotions: We may send promotional SMS messages about our products, services, or special offers.

Data Retention

We retain your information as long as necessary to fulfill the purposes outlined in this policy or as required by law.

Opting Out

You can opt out of our SMS program at any time by replying with “STOP” to our SMS messages. Once you opt out, we will no longer send SMS messages to your phone number.

Disclosure of Your Information

We may disclose information that you provide us directly as described in this privacy policy:

• To our subsidiaries and affiliates
• To contractors, service providers, market suppliers, underwriters, and other third parties to facilitate our business or providing insurance, risk management, and other advertised services on behalf of you or your company
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of American Truck Insurance assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Website users is among the assets transferred
• To fulfill the purpose for which you provide it. For example, to directly or indirectly address or respond to claims or provide customer service, prevent fraud, perform research or comply with the law
• For any other purpose disclosed by us when you provide the information or otherwise permitted by applicable law with your consent

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government, regulatory, or law enforcement request
• To enforce or apply agreements we have executed with you or your company, including for billing and collection purposes; and
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of D Ray & Associates LLC, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

 

Children

Our services are not intended for use by children under 18 years of age. You should not provide us personal information of a child under 18 unless you are the child’s parent or guardian; if you provide any information of a child under 18, you hereby consent to our use of such personal information in connection with the Services. If we learn that we have collected personal information through our Services from a child under 18 without the consent of the child’s parent or guardian as required by law, we will delete it.

 

Data Security

We take appropriate measures to protect your personal information and ensure its confidentiality.

We Do Not Sell

We do not sell your telephone number or information you provide us.

Contact Us

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

• Phone: 817-225-6081
• Email:

Changes to this Policy

We may update this SMS Privacy Policy from time to time. Any changes will be posted on our website.

Last updated: 09/13/2024