Privacy Policy

1Who we are and what this policy covers

This Privacy Policy explains how Camberlo, a brand of The Nelson M Group LLC ("Camberlo," "we," "us," or "our") collects, uses, shares, and protects personal data when you visit camberlo.com (the "Site"), fill out a form, enroll in email or text-message updates, or reach out to us (together, the "Services"). The Nelson M Group LLC is the business responsible for your personal information.

Camberlo is an information service that publishes plain-language educational content about how insurance works, how to read a policy, and what tends to affect insurance costs, and lets visitors opt in to related updates by email or text. Camberlo does not sell insurance, give quotes or rates, or match or refer people to agents or insurers. Camberlo is not an insurance company, agency, or broker and does not supply insurance, legal, or financial advice. Choosing a policy is always your own decision.

By using the Services, you acknowledge this Policy. If you disagree with it, please stop using the Services.

2Information we collect

Topic and insurance-related details. The topic you select (for example, "reading my policy" or "what affects what drivers pay") may suggest an interest in a financial area. We treat this as confidential. Please do not send us policy numbers, driver's license numbers, vehicle identification numbers, claim details, Social Security numbers, or other detailed personal or financial details through our forms or by text. We do not need it.

Social Security numbers, financial account numbers, and government ID numbers are not something we knowingly collect.

3How we use your information

• To supply the Services you request, such as sending you educational insurance information on the topics you select.
• To deliver the email and text messages you opted in to, among them confirmations, reminders, and notices about new educational guides.
• To honor your options, including opt-outs, unsubscribes, and privacy requests.
• To keep records of your consent, as required or recommended under laws and carrier rules for text messaging.
• To reply to your messages and help you out.
• To hold the Site working, safe, and improving, and to stop fraud, spam, and abuse.
• To abide by legal duties and enforce our Terms & Conditions.

We never use your data to make decisions that produce legal or similarly significant effects about you, and we will not make insurance, eligibility, or pricing determinations about you.

4How we share information

Your personal data is never sold. We will not "share" it for cross-context behavioral advertising.

No sharing of mobile information for marketing. We do not share your mobile phone number, text-message opt-in data, or consent records with third parties or affiliates for their marketing or promotional purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent are not shared with any third parties except as described in this section.

No partner sharing. We never sell, rent, or share your personal data, among them your name, contact details, ZIP code, or interests, with insurance companies, agents, brokers, comparison or quote sites, recruiters, lead-generation companies, or any other third-party partners, and we are not paid by anyone for your data. We share information only in these limited situations:

• Service providers. Vendors that act on our behalf and under contract, for example website hosting, email delivery, customer-relationship software, form processing, and SMS platforms and the carriers or aggregators that deliver text messages. They may use your information only to supply services to us, and not for their own marketing.
• Legal and safety. When needed by law, subpoena, or legal process, or to protect the rights, safety, and property of you, us, or others.
• Business transfers. If The Nelson M Group LLC is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction, subject to this Policy. Mobile opt-in data will not be transferred to a buyer for its own marketing without your consent.
• De-identified or aggregate data. We may use data that cannot reasonably identify you for analysis and reporting.

5Text messaging (SMS)

If you opt in, we send text messages for the program Camberlo Buyer Notes. We use your mobile number only to send those messages and to administer the program. See our SMS Terms for message types, frequency, costs, and how to opt out.

• Text consent is optional and is not a condition of purchase or of using the Services.
• Educational text consent is collected through a separate, unchecked box.
• Reply STOP at any time to opt out. Reply HELP for help.
• Message frequency varies. Message and data rates may apply.

6Text messages: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 888-924-0791.

Mobile information and text-message opt-in data are not sold or shared. We do not sell, rent, or share mobile phone numbers, text-message opt-in data, or consent records with third parties or affiliates for marketing or promotional purposes. Service providers (such as our messaging platform and carriers) may handle this information only to deliver messages and operate the program for us.

7Cookies, analytics, and similar technologies

Our cookies and similar technologies are limited to what is needed to run the Site safely. Fonts and images are served from our own site rather than from third parties. Advertising and cross-site tracking cookies are not part of this Site.

If we enable privacy-focused analytics in the future (for instance, counts of page views), we will use it only to understand how the Site performs, and we will update this section. You can control cookies through your browser settings. We honor the Global Privacy Control (GPC) signal as a request to opt out of sale or sharing where applicable. Because we never sell or share personal data, there is nothing further to opt out of.

8Your choices

• Text messages: reply STOP to any text.
• Email: use the unsubscribe link in any email or write to [email protected].
• Update or correct your information: contact us at the address below.
• Delete your information: tell us, and we'll remove it unless we need to keep it for the reasons outlined under "Retention."

Leaving one channel does not remove you from the rest. Tell us if you'd like to opt out of everything.

9Retention

Personal information is kept only as long as the uses in this Policy call for, for example to honor opt-outs and to meet legal and recordkeeping obligations. As a general guide:

• Contact details and preferences: until you ask us to delete them or you have been inactive for 24 months, whichever comes first.
• Text-message consent records and opt-out records: kept for at least 4 years after your last interaction, so we can show you consented and follow your opt-out.
• Support messages: up to 3 years.
• Server logs: up to 12 months.

We delete or de-identify data once we have no further need for it.

10Security

We use appropriate administrative, technical, and physical safeguards, among them encryption in transit (HTTPS), access controls, and vendor due diligence. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Text messages are not encrypted, so we ask that you never reply with sensitive personal or policy details.

11Your privacy rights (California and other states)

Depending on where you live (among them California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia), you may have the right to:

• Know and access the personal information we hold about you, and the categories of sources and recipients.
• Correct inaccurate information.
• Delete your personal details, subject to legal exceptions.
• Port your information in a usable format.
• Opt out of the sale or sharing of personal data, targeted advertising, and profiling. We do none of these.
• Limit the use of confidential personal data. We use it only to provide the Services you ask for.
• Not be discriminated against for exercising your rights.

How to make a request

Email [email protected] with the subject "Privacy Request," or write to us at the address below. We will verify your identity by matching information you supply against what we hold, and we reply within 45 days (we may extend once by up to 45 more days with notification). An authorized agent may submit a request on your behalf with your written permission. If we deny a request, you may appeal by replying to our decision, and you may contact your state attorney general.

California disclosures

In the past 12 months we have collected the categories of information listed in Section 2 for the uses listed in Section 3, and shared them only to service providers (Section 4). We have not sold or shared personal details. California residents may also request data about disclosures of personal details to third parties for their direct marketing purposes (California "Shine the Light" law). We make no such disclosures. We will not knowingly sell or share the personal data of anyone under 16.

Nevada

Residents of Nevada can ask to opt out of the sale of covered information, although we do not sell it.

12Children's privacy

The Services are intended for adults 18 and older. Nobody under 18 is knowingly asked for personal details, and the Services are not directed to children. If a child may have shared personal data with us, tell us and we will delete it.

13Consent to communications and the TCPA

We send educational text messages through automated technology only after you give prior express written consent by checking the unchecked box on our forms. Your consent is not required to use the Services or to buy anything, and you can revoke it at any time by replying STOP, or by any other reasonable means, such as emailing [email protected]. We respect opt-out requests promptly. Your phone number will be used only for the reasons outlined in this Policy and the SMS Terms.

We follow the Telephone Consumer Protection Act (TCPA), the CTIA Messaging Principles and Best Practices, and the carrier code of conduct, and we keep consent records as set out above.

14Third-party links and public resources

Our Site may link to other sites, including public and government resources such as your state insurance department or the National Association of Insurance Commissioners (NAIC). We do not control them and are not responsible for their privacy practices. Please read their policies.

15U.S. operations

The Services are intended for people based in the United States, and details is processed in the United States. If you use the Services from elsewhere, you do so at your own initiative and are responsible for local law.

16Changes to this policy

We may update this Policy from time to time. We will change the "Last updated" date above, and if changes are material we will give notification by email or on the Site. Where required by law, we will ask for your consent again.

17Contact us

Questions, requests, or complaints about privacy? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: