Introduction

TJM Agency ("TJM Agency," "we," "us," or "our") is an insurance agency serving individuals, families, and businesses in New York. Led by Thomas Maher, our agency helps customers understand and explore insurance options for their homes, vehicles, property, businesses, and families.

We respect the privacy of our customers and website visitors. This Privacy Policy describes how we collect, use, disclose, and safeguard personal information when you visit https://tjmagency.com/, request information about insurance coverage, schedule a consultation, submit a website form, or communicate with our team.

By using our website, you acknowledge the information provided in this Privacy Policy.

Information We Collect

Depending on how you interact with our agency, we may collect the following categories of information:

Personal and Contact Information

• Name, mailing address, email address, and telephone number.

• Preferred communication methods.

• Information provided through contact forms, appointment requests, and customer inquiries.

Insurance-Related Information

When you request an insurance consultation or quote, we may collect information necessary to understand your coverage needs, including:

• Details about vehicles, properties, residences, or business operations.

• Existing insurance policies and coverage preferences.

• Information concerning drivers, household members, or other individuals relevant to a requested policy.

• Additional information necessary to obtain quotes, evaluate available coverage options, or assist with policy-related requests.

Certain insurance transactions may require more sensitive personal information. Such information should be supplied only through channels approved or authorized by our agency or the applicable insurer.

Website and Technical Information

We may collect browser type, device information, IP address, referring pages, website activity, cookies, and similar technical information when permitted by applicable law and our website configuration.

Communication Records

We may retain correspondence, submitted forms, appointment details, chat conversations, communication preferences, and records of consent when necessary for customer service, recordkeeping, or legal compliance.

How We Use Your Information

We may use personal information to:

• Respond to insurance inquiries and consultation requests.

• Help identify insurance products and coverage options relevant to your needs.

• Request or assist with insurance quotes and applications.

• Support authorized insurance policy servicing and customer requests.

• Schedule, confirm, or manage appointments.

• Respond to questions about coverage reviews, policy changes, and related matters.

• Communicate important information concerning requested services.

• Improve website functionality and customer experience.

• Maintain accurate records and protect against fraud or unauthorized activity.

• Fulfill applicable legal, regulatory, and insurance-industry obligations.

• Send marketing communications when appropriate consent or another lawful basis exists.

  
  

Insurance Information and Third-Party Disclosures

Insurance services may require the exchange of information with insurance carriers, their authorized administrators, and other service providers involved in quoting, underwriting, issuing, servicing, or administering insurance products.

Where appropriate and permitted by law, we may disclose relevant personal information to these parties to carry out your requested insurance services.

Information submitted directly to an insurance carrier or through a carrier-operated platform may also be governed by that carrier's privacy notices and applicable insurance privacy requirements.

We do not use information collected for an insurance inquiry as permission to send unrelated marketing text messages.

SMS Communications and Consent

TJM Agency may offer optional SMS communications related to insurance inquiries, consultation confirmations, appointment reminders, requested follow-ups, and, where separately authorized, promotional messages.

When SMS consent is requested:

• Participation is voluntary.

• Marketing and non-marketing consent are obtained separately where both are offered.

• Consent is not required as a condition of purchasing insurance or requesting a quote.

• Message frequency may vary.

• Message and data rates may apply.

• You may reply STOP to opt out of the applicable SMS messaging program.

• You may reply HELP for assistance or contact our office at (631) 686-5177.

We use consent information to manage communication preferences and fulfill messaging requirements.

SMS Data Privacy

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SMS consent does not authorize us to disclose your mobile opt-in information for independent third-party promotional campaigns.

Service Providers and Information Security

We may use service providers to support our website, appointment scheduling, customer relationship management, communications, website hosting, and related business operations.

These providers may process information on our behalf to deliver the services we use, subject to applicable contractual and legal obligations.

We implement reasonable administrative, technical, and organizational safeguards appropriate to the information we maintain. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Please avoid sending Social Security numbers, financial account information, or other highly sensitive records through ordinary website contact forms or chat messages unless specifically directed to use an approved secure process.

Cookies and Website Analytics

Our website and authorized service providers may use cookies and similar technologies to operate website features, understand general website usage, and improve visitor experience.

You may manage cookies through your browser settings, although disabling certain cookies could affect website functionality.

Any additional advertising, tracking, or analytics technologies used on the website should be disclosed here as applicable.

Marketing Emails and Communication Preferences

If you subscribe to or otherwise validly consent to receive our marketing emails, we may share insurance-related news, educational content, agency announcements, and information about available services.

You may unsubscribe from marketing emails through the unsubscribe link included in those messages or contact our agency to update your preferences.

Opting out of marketing communications does not necessarily prevent us from sending lawful service-related communications necessary to address an ongoing insurance inquiry or other requested service.

Email permission and SMS consent are managed separately.

Data Retention

We retain personal information for as long as reasonably necessary to support the purposes described in this Policy, provide requested services, maintain insurance-related records, resolve disputes, and satisfy applicable legal or regulatory obligations.

Retention periods may vary depending on the nature of the information, the services involved, and applicable insurance recordkeeping requirements.

When information is no longer required, we take reasonable steps to delete, securely dispose of, or de-identify it, as appropriate.

Your Privacy Choices

You may contact our agency to request access to, correction of, or deletion of personal information, or to ask questions about our privacy practices.

We will evaluate requests consistent with applicable law and insurance-related recordkeeping requirements. Certain records may need to be retained for legal, regulatory, contractual, or legitimate business reasons.

You may also ask us to update your contact information or communication preferences.

Children's Privacy

Our website is intended for a general audience and is not directed toward children under the age of 13.

We do not knowingly collect personal information directly from children under 13 through the website without any consent required by law. If we discover that such information has been collected improperly, we will take appropriate steps to address it.

Information concerning minors that is necessary for legitimate insurance purposes may be handled under applicable insurance privacy and other legal requirements.

Third-Party Websites

Our website may contain links to third-party websites, including insurance carrier resources, social media platforms, and appointment scheduling services.

These third parties may maintain independent privacy practices. We encourage you to review their applicable privacy notices before providing information.

Changes to This Policy

We may update this Privacy Policy to reflect changes to our services, business practices, technology, or applicable legal requirements.

Updates will be posted on this page with a revised effective date. Where required by law, we will provide additional notice.

Contact TJM Agency

For questions about this Privacy Policy or how your information is handled, please contact:

TJM Agency — Thomas Maher

462 Moriches Road
Saint James, NY 11780

Phone: (631) 686-5177
Email: email.tjmagency.com
Website: https://tjmagency.com/

Office Hours: Monday–Friday, 9:00 AM–5:00 PM Eastern Time

This website Privacy Policy supplements, and does not replace, any separate privacy notice required from an issuing insurance company or provided in connection with an insurance transaction.