Privacy Policy

1. Scope and contact

This policy covers the homanagment.com public website, insurance inquiries submitted here, and the Ho Insurances LLC customer-care SMS program. Insurance applications and insurers may require additional notices through their separate application processes. Contact us at info@hoinsurances.com, (800) 723-9145, or 750 SW 102nd Ct, Miami, FL 33174.

2. Information we collect

When you submit the website form, we collect your name, email address, optional phone number, selected topic, question, and SMS choice. If you choose SMS, we retain evidence of the choice, including the sending business and number, purpose, disclosure text and version, date and time, source page, and applicable policy links. A keyed hash of the request IP is used for abuse prevention and evidence; the intake database does not retain the full IP address.

Please do not send Social Security numbers, medical details, financial documents, or complete insurance applications through this general form. Hosting and email providers may separately process technical logs and messages as part of delivering their services.

3. How we use information

We use inquiries to respond to your requested insurance assistance and manage follow-up. Your inquiry is stored on our hosting service and a notification may be sent to our business email. SMS is a separate, voluntary choice. We use the recorded choice only for the disclosed customer-care program, after number verification and applicable sending controls are in place.

4. Mobile information and sharing

Mobile opt-in data and SMS consent will not be sold or shared with third parties, affiliates, or lead generators for their marketing or promotional purposes. This exclusion applies regardless of any other permitted sharing of business information. Service providers may process the information needed to deliver services on behalf of Ho Insurances LLC, not for their own marketing.

We use hosting services provided by Hostinger, business email services, and Twilio for the messaging program. We may disclose information where required by applicable law or to address fraud, security, or legal obligations. This form does not enroll you in third-party marketing.

5. Your choices and requests

You may contact HO without opting in to texts. Reply STOP to the sending number to opt out of SMS, or HELP for assistance. You can also email info@hoinsurances.com to withdraw consent or ask about access, correction, or deletion. We may need to verify a request and retain information for legitimate operational or legal reasons. Available rights and exceptions depend on applicable law.

6. Security and retention

Website inquiry and consent records are encrypted before storage in a database outside the publicly served website directory. Access is limited through hosting administration. No security measure guarantees absolute protection.

The website intake retains inquiries for up to 90 days and SMS consent evidence for up to four years. Expired intake records are removed when the service processes requests. Separate email copies and insurance records may be retained for the relevant business and legal needs; contact us about a specific record.

7. Cookies and external services

The intake uses an essential session cookie to protect form submissions. It does not use advertising or analytics scripts, and form entries are not saved to browser storage. Hosting providers may maintain technical logs. Existing staff applications and external insurer services have their own authentication and processing arrangements.

8. Updates

We publish the effective date above when this policy changes. Contact Ho Insurances LLC using the details in section 1 with privacy questions.