Privacy Policy

O'Brien Insurance Agency

part of the Haas O’Brien Insurance Group

Website Content — Privacy Policy & Messaging Terms

Prepared for Hibu — May 2026

SECTION 1: PRIVACY POLICY

Last Updated: May 2026

This Privacy Policy describes how your personal information is collected, used, and shared when you visit obrieninsurance.com (the “Site”), operated by O’Brien Insurance Agency, LLC — part of the Haas O’Brien Insurance Group. Questions about this policy may be directed to us at info@obrieninsurance.com.

1. Information We Collect

Information You Provide Directly

When you contact us through the Site, we collect the information you voluntarily submit, which may include your name, email address, phone number, and any details you share in your message. We use this information to respond to your inquiry and, where appropriate, to follow up regarding insurance products or services that may be relevant to your needs.

We do not collect payment information through this website. Insurance premium payments are processed directly through carrier websites or designated billing portals, which are governed by their own privacy policies. We do not store credit card numbers or bank account information on our systems.

Information Collected Automatically

When you visit the Site, we automatically collect certain technical information about your device and browsing activity, including your IP address, browser type, referring website, pages viewed, and time spent on the Site. We refer to this as “Device Information” and use it to maintain and improve the Site’s performance. This information is collected using:

Cookies — data files placed on your device that often include an anonymous unique identifier.
Log files — records of Site activity including IP address, browser type, internet service provider, referring/exit pages, and date/time stamps.
Web beacons, tags, and pixels — electronic files used to record information about how you browse the Site.

Sensitive Personal Information

If you become a client of O’Brien Insurance Agency, LLC, we may collect additional nonpublic personal information in connection with your insurance application or policy — such as date of birth, driver’s license information, vehicle or property details, and, in some cases, Social Security numbers or health information required by insurers. This information is collected and handled in accordance with our Insurance Customer Privacy Notice, not through this website.

2. How We Use Your Information

We use the information we collect to:

Respond to inquiries and contact form submissions
Follow up regarding relevant insurance products or services
Improve and optimize the performance and content of the Site
Analyze how visitors interact with the Site
Comply with applicable legal and regulatory obligations

We do not use your personal information to make automated decisions about your eligibility for insurance products or financial services.

3. Mobile Messaging

O’Brien Insurance Agency, LLC may use your phone number to send you text messages (SMS) related to your insurance policies and account. These messages are strictly informational and service-related in nature. Message types may include:

Appointment confirmations and reminders
Insurance renewal notices and reminders
Billing reminders and payment confirmations
Claim status updates
Quote-ready notifications and follow-up on submitted requests
Document request notifications
Policy change and coverage confirmations
Certificate of insurance notifications
Cancellation and reinstatement notices
Audit or inspection scheduling (commercial accounts)
Open enrollment and Medicare deadline reminders (where applicable)

Your Consent and Opt-Out Rights

By providing your mobile phone number to us, you consent to receive text messages at that number. Message frequency varies based on your account activity and the nature of your policy. Message and data rates may apply.

You may opt out of receiving text messages at any time by replying STOP to any message we send. For assistance, reply HELP or contact us at info@obrieninsurance.com. Opting out of text messages will not affect your ability to receive service by phone, email, or mail.

Mobile Data Sharing Restriction

Mobile information, including text messaging opt-in data and consent, will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties under any circumstances.

4. Digital Marketing & Analytics

We use third-party services to help us understand how visitors interact with our Site and to promote our services online. These may include:

Google Analytics — helps us understand Site traffic and visitor behavior. You can opt out at tools.google.com/dlpage/gaoptout. Google’s privacy policy is available at policies.google.com.
Online advertising partners — we may work with digital advertising platforms to display our services to potential clients online. These partners may use cookies or similar technologies to serve ads based on your prior visits to our Site or other websites.

We do not sell your personal information to advertisers or data brokers. If you wish to opt out of interest-based advertising generally, you may visit the Digital Advertising Alliance opt-out portal at optout.aboutads.info.

As we expand our digital marketing capabilities, we may engage additional third-party platforms. This policy will be updated to reflect any material changes to how your data is used.

5. Sharing Your Personal Information

We share your personal information with third parties only as described in this policy or as otherwise required by law. We may share information:

With service providers who assist us in operating the Site and conducting our business, subject to confidentiality obligations
With Google Analytics and similar analytics providers, as described above
To comply with applicable laws and regulations, or in response to a lawful request such as a subpoena or court order
To protect the rights, property, or safety of O’Brien Insurance Agency, LLC, our clients, or others

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

6. Insurance Customer Privacy Notice

As a licensed insurance agency, O’Brien Insurance Agency, LLC is subject to state and federal privacy laws governing the collection, use, and protection of nonpublic personal information (NPI) obtained in connection with insurance transactions, including the Gramm-Leach-Bliley Act (GLBA) and Connecticut insurance privacy regulations (CGS § 38a-975 et seq.).

We provide our insurance customers with a separate Privacy Notice describing how we collect, use, and safeguard your nonpublic personal and financial information, your choices regarding that information, and any sharing that may occur with affiliated companies or service providers in connection with your account. This notice is provided at the time you become a customer and annually thereafter.

To request a copy of our Customer Privacy Notice, please contact us at info@obrieninsurance.com.

7. Your Privacy Rights

Connecticut residents may have certain rights regarding their personal information under the Connecticut Data Privacy Act (CTDPA) and other applicable state laws. These rights may include the ability to access, correct, or request deletion of personal information we hold about you, subject to applicable exceptions.

To exercise any of these rights, please contact us at info@obrieninsurance.com. We will respond to verified requests within the timeframes required by applicable law. Please note that certain information may be exempt from these requests where retention is required for legal, regulatory, or legitimate business purposes — including insurance policy administration and claims handling.

We do not discriminate against individuals who exercise their privacy rights.

8. Do Not Track

Some browsers include a “Do Not Track” feature that signals to websites you visit that you do not want your online activity tracked. Our Site does not currently respond to Do Not Track signals. You may manage your cookie and tracking preferences through your browser settings or through the opt-out tools described in Section 4 above.

9. Data Retention

We retain personal information collected through this Site for as long as necessary to respond to your inquiry, maintain our business relationship with you, and comply with applicable legal and regulatory obligations. For insurance clients, retention periods are governed in part by Connecticut insurance regulations and our obligations as a licensed agency.

If you would like to request deletion of information you have submitted through this Site, please contact us at info@obrieninsurance.com. Please note that we may be required to retain certain records where retention is mandated by law or regulation.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, the services we offer, or applicable legal and regulatory requirements. When we make material changes, we will update the effective date at the top of this page. Your continued use of the Site following any update constitutes your acceptance of the revised policy.

11. Contact Us

For questions about this Privacy Policy, to exercise your privacy rights, or to make a complaint regarding our privacy practices, please contact us:

O’Brien Insurance Agency, LLC — part of the Haas O’Brien Insurance Group

108 Kent Road, New Milford, CT 06776

107 Church Hill Road, Suite 1B, Sandy Hook, CT 06482

Phone: (860) 350-5505

Email: info@obrieninsurance.com

SECTION 2: MESSAGING TERMS & CONDITIONS

Last Updated: May 2026

Overview

These Messaging Terms & Conditions govern your consent to receive text messages (SMS) from O’Brien Insurance Agency, LLC. By providing your mobile phone number to us — whether through our website, by phone, or in person — you agree to these terms.

Who We Are

O’Brien Insurance Agency, LLC — part of the Haas O’Brien Insurance Group

108 Kent Road, New Milford, CT 06776

107 Church Hill Road, Suite 1B, Sandy Hook, CT 06482

Phone: (860) 350-5505 (O’Brien Insurance Agency) | (203) 304-9689 (Haas Agency)

Email: info@obrieninsurance.com

Text messages may be sent from either of the phone numbers listed above. Both numbers are operated by O’Brien Insurance Agency, LLC as part of the Haas O’Brien Insurance Group.

Types of Messages You May Receive

You agree to receive informational text messages (SMS) from O’Brien Insurance related to your insurance policies and account. These messages are service-related in nature and are not marketing or promotional messages. Message types may include:

Appointment confirmations and reminders
Insurance renewal notices and reminders
Billing reminders and payment confirmations
Claim status updates
Quote-ready notifications and follow-up on submitted requests
Document request notifications
Policy change and coverage confirmations
Certificate of insurance notifications
Cancellation and reinstatement notices
Audit or inspection scheduling (commercial accounts)
Open enrollment and Medicare deadline reminders (where applicable)

Message Frequency

Message frequency varies based on your account activity and the nature of your policy. You will not receive unsolicited or promotional messages.

Message and Data Rates

Message and data rates may apply. Contact your wireless carrier for details about your plan. O’Brien Insurance Agency, LLC is not responsible for any charges imposed by your carrier.

How to Get Help

Reply HELP to any message for assistance, or contact us directly:

Email: info@obrieninsurance.com

Phone: (860) 350-5505 or (203) 304-9689

How to Opt Out

You may opt out of receiving text messages at any time by replying STOP to any message we send. After opting out, you will receive a single confirmation message, and no further texts will be sent.

Opting out of text messages will not affect your ability to receive service from us by phone, email, or mail. To resume text messages after opting out, contact us directly.

Privacy

For full details on how we collect and use your personal information, please see our Privacy Policy at obrieninsurance.com/privacy-policy.

Changes to These Terms

We may update these Messaging Terms & Conditions from time to time to reflect changes in our practices or applicable legal and regulatory requirements. Material changes will be reflected in an updated effective date at the top of this document. Continued receipt of messages after any update constitutes acceptance of the revised terms.

Contact Us

For questions about these Messaging Terms & Conditions, please contact us:

O’Brien Insurance Agency, LLC — part of the Haas O’Brien Insurance Group

108 Kent Road, New Milford, CT 06776

107 Church Hill Road, Suite 1B, Sandy Hook, CT 06482

Phone: (860) 350-5505 or (203) 304-9689

Email: info@obrieninsurance.com

Privacy Policy

O'Brien Insurance Agency