Effective Date: December 1, 2014

Last Updated: March 1, 2026

Christine Marks Davis dba 1st Hometown Insurance
2538 Pecan Blvd
McAllen, TX 78501
Phone: (888) 686-3922
Email: service@1sthometowninsurance.com
Website: www.1sthometowninsurance.com

Christine Marks Davis dba 1st Hometown Insurance (“Agency,” “we,” “us,” or “our”) is an independent insurance agency located in Texas. We offer insurance products and services for individuals, families, and businesses, including personal auto, homeowners, renters, dwelling, flood, umbrella, commercial property, general liability, commercial auto, workers’ compensation, professional liability, life insurance, health insurance, employee benefits, and other insurance products and services.

We are committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us.

This Privacy Statement explains how we collect, use, maintain, disclose, and protect personal information when you visit our website, request an insurance quote, apply for coverage, purchase or renew a policy, submit a claim-related inquiry, communicate with our agency, or otherwise use our services.

This statement also describes our text messaging practices, including how we use mobile telephone numbers, obtain consent to send text messages, and honor requests to stop receiving messages.

Our privacy practices are subject to applicable federal and Texas laws and regulations. This statement does not replace any separate privacy notice, authorization, or disclosure required for a particular insurance product or transaction.

Depending on the insurance products and services you request, we may collect the following categories of information:

• Full name, date of birth, mailing address, residential address, telephone number, and email address.
• Government-issued identification information and Social Security numbers, when necessary.
• Names and relevant information about household members, dependents, beneficiaries, drivers, property owners, or other individuals associated with an insurance application.

• Insurance applications, policy numbers, coverage selections, premiums, deductibles, and payment information.
• Prior insurance coverage, claims history, driving records, property characteristics, and loss history.
• Credit-related or consumer report information when legally permitted and relevant to an insurance transaction.
• Business ownership, operations, payroll, revenue, employee counts, and other information needed for commercial insurance.
• Beneficiary, annuity, and other financial information associated with applicable insurance products.

For certain life, health, disability, employee benefits, and other insurance products, we may collect or receive medical history, health information, prescription information, eligibility information, and other sensitive information when necessary and legally permitted.

We handle health information in accordance with applicable privacy requirements and any additional restrictions governing its use and disclosure.

When you visit our website or communicate with us electronically, we may collect information such as:

• Internet Protocol (IP) address and general device information.
• Browser type, operating system, and website usage information.
• Information submitted through website forms, online quote requests, or other electronic communications.
• Cookie, analytics, and similar technology data, where applicable.

If you provide information about another person, such as a household member, driver, employee, dependent, property owner, or beneficiary, you should have the authority to provide that information for the applicable insurance purpose.

We may obtain information directly from you, from insurance companies, wholesalers, managing general agents, brokers, third-party administrators, consumer reporting agencies, service providers, public records, and other lawful sources.

We may use personal information for legitimate insurance and business purposes, including:

• Evaluating insurance needs and providing insurance quotes.
• Comparing coverage options among insurance companies.
• Preparing and submitting insurance applications.
• Obtaining underwriting decisions and placing coverage.
• Issuing, servicing, renewing, modifying, and maintaining policies.
• Processing payments and assisting with billing inquiries.
• Providing certificates of insurance, evidence of coverage, and policy documents.
• Communicating with insurance carriers concerning policy servicing and claims- related matters.
• Administering life, health, disability, and employee benefits coverage.
• Verifying identity and information, preventing fraud, and maintaining security.
• Responding to customer inquiries, service requests, and complaints.
• Sending service notifications, renewal reminders, and other relevant insurance communications.
• Operating, maintaining, and improving our website and business systems.
• Complying with legal, regulatory, contractual, recordkeeping, and licensing requirements.
• Sending marketing communications when permitted by law and consistent with applicable consent requirements.

We limit the use of personal information to purposes that are reasonably necessary, appropriate, and permitted by applicable law.

As an independent insurance agency, we work with multiple insurance companies and service providers to obtain coverage options and provide insurance services.

We may disclose personal information, as permitted or required by law, to the following categories of recipients:

We may share information with insurance carriers, underwriters, wholesalers, managing general agents, brokers, and other insurance intermediaries to obtain quotes, evaluate applications, place coverage, administer policies, and assist with claims-related matters.

We may disclose information to third-party administrators, claims administrators, adjusters, premium finance companies, payment processors, and other service providers when necessary to support an insurance transaction or provide requested services.

We may use vendors that provide agency management systems, customer relationship management software, secure document storage, electronic signatures, website hosting, email, telephone, and text messaging services.

These providers may process personal information on our behalf as necessary to perform their contracted services, subject to applicable contractual and legal requirements.

We may disclose information to government agencies, insurance regulators, courts, law enforcement, legal counsel, auditors, or other parties when required or permitted by law or when necessary to protect legal rights, investigate fraud, or respond to lawful requests.

We may share information with individuals you authorize, such as a representative acting on your behalf, or with other parties when you provide appropriate consent or the disclosure is otherwise permitted by law.

We do not sell personal information to third parties in exchange for money.

We do not sell or share mobile telephone numbers, SMS consent records, or text messaging opt-in information for third-party marketing purposes.

We may use service providers to facilitate communications and deliver requested services. We do not authorize those providers to use mobile opt-in information for their own independent marketing purposes.

Certain website analytics or advertising technologies, if used, may involve data practices that are subject to additional legal requirements. Any such practices should be disclosed accurately in accordance with applicable law.

We recognize that insurance applications and policies may contain nonpublic personal financial information and, in certain circumstances, sensitive health information.

We handle such information in accordance with applicable privacy requirements, which may include the Gramm-Leach-Bliley Act (GLBA), applicable provisions of the Texas Insurance Code, Texas Department of Insurance regulations, and applicable federal or state health information privacy laws.

Information may be disclosed to insurance companies and other authorized recipients for underwriting, policy issuance, servicing, claims administration, fraud prevention, and other permitted insurance purposes.

Where applicable law requires a separate privacy notice, authorization, or opportunity to opt out of certain disclosures, we will follow the requirements applicable to our agency and the particular transaction.

You may contact us using the information provided in this statement if you have questions about our insurance privacy practices.

This section describes how Christine Marks Davis dba 1st Hometown Insurance handles information associated with SMS and text messaging communications.

We may offer customers and prospective customers the option to receive text messages from our agency.

Depending on your selections and the services requested, text messages may include:

• Responses to insurance quote requests.
• Requests for documents or information needed to prepare or service an insurance policy.
• Policy servicing communications and account-related notifications.
• Renewal reminders and coverage review notifications.
• Appointment confirmations and scheduling updates.
• Billing or payment-related reminders, where applicable.
• Claims-related coordination and service updates.
• Customer service responses.
• Marketing messages, promotional offers, or other informational messages, when separately authorized and permitted by law.

You may provide consent through a website form, written authorization, electronic form, text message exchange, or another permitted method.

Where required by law, we will obtain appropriate consent before sending automated, recurring, or marketing text messages.

Consent to receive marketing text messages is not a condition of purchasing insurance or obtaining services from our agency.

By providing your mobile number, you do not automatically consent to receive marketing text messages. Consent will be obtained and documented as required for the applicable message type.

When you communicate with us by text message, we may collect and maintain:

• Your mobile telephone number.
• Your name and contact information, when provided.
• The content of messages exchanged with our agency.
• Your consent status, opt-in date, and the method by which consent was obtained, when applicable.
• Records of opt-out requests and related communication preferences.
• Delivery status, timestamps, and other messaging records generated by our messaging systems.

We use this information to deliver requested messages, respond to inquiries, maintain communication records, administer consent preferences, and comply with applicable legal requirements.

We use mobile information and text messaging records to communicate with you about insurance matters, provide requested services, administer your messaging preferences, and maintain records of your consent.

We do not sell, rent, or share your mobile telephone number, text messaging opt-in data, or SMS consent records with third parties or affiliates for their own marketing or promotional purposes.

We may share the information necessary to provide messaging services with our contracted messaging platforms, telecommunications providers, technology vendors, and other service providers acting on our behalf.

These providers may process mobile information solely as necessary to deliver, support, secure, or administer the messaging services they provide to us, subject to applicable contractual and legal requirements.

We may also disclose information when required by law or when otherwise permitted by applicable law.

Text messaging consent records are not shared with third parties for their independent marketing use.

Message frequency varies depending on your interactions with our agency, the services you request, and the types of messages for which you have consented.

Message and data rates may apply depending on your wireless plan and carrier. Your wireless provider may charge fees for sending or receiving text messages.

Our agency does not control wireless carrier charges, message delivery, or network availability.

You may opt out of receiving text messages at any time.

To stop receiving text messages from our agency, reply STOP to a message you receive from us.

After your request is processed, we will stop sending the applicable text messages, except for any communications permitted by law or necessary to confirm your opt-out or administer your request.

If we operate separate messaging programs, you may need to opt out of each program separately where permitted by applicable law.

You may also contact our agency directly using the telephone number or email address listed in this statement to request assistance with your messaging preferences.

Opting out of text messages does not cancel your insurance policy, terminate your relationship with our agency, or prevent us from contacting you through other permitted channels regarding your coverage, account, or legal obligations.

For assistance with text messaging, reply HELP to a message from our agency when that feature is available, or contact us at:

Phone: (888) 686-3922 Email: service@1sthometowninsurance.com

We will provide reasonable assistance with messaging questions, consent preferences, and opt-out requests.

Text messages may be delayed, interrupted, or undelivered because of wireless carrier limitations, network conditions, device settings, or other circumstances outside our control.

Text messages should not be used as the sole means of communicating an urgent matter, reporting an emergency, or transmitting highly sensitive information unless an appropriate secure process has been established.

Please do not send Social Security numbers, complete payment card details, passwords, or sensitive medical information through ordinary text messages. Contact our agency to arrange a more appropriate method of communication when necessary.

If our agency offers promotional or marketing text messages, those messages will be sent only in accordance with applicable consent and communications laws.

Where required, we will obtain separate consent for marketing text messages and maintain records of the consent provided.

Agreeing to receive service-related text messages does not automatically authorize marketing text messages.

You may withdraw marketing text messaging consent at any time without affecting your ability to obtain insurance or receive services from our agency.

Your consent to receive text messages from [Agency Legal Name] applies to our communications and the messaging services necessary to deliver them.

It does not authorize third parties to send you their own marketing messages using your mobile number or SMS consent information.

We do not sell or transfer SMS opt-in data or consent records to third parties for their independent marketing purposes.

Our website may use cookies and similar technologies to maintain functionality, support security, understand website usage, and improve the user experience.

Depending on the technologies implemented on our website, certain information may be collected by analytics or other third-party service providers.

You may be able to manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

If our website uses advertising pixels, targeted advertising technologies, or other tracking tools that trigger additional disclosure or opt-out obligations, we will address those practices through appropriate disclosures and controls as required by applicable law.

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

Depending on the information and systems involved, safeguards may include access controls, account authentication, secure storage, employee training, vendor oversight, and procedures for managing security incidents.

Access to personal information is limited to authorized individuals who need the information to perform their responsibilities or provide contracted services.

No method of electronic transmission or storage is completely secure. Although we take reasonable precautions, we cannot guarantee absolute security.

We retain personal information for as long as reasonably necessary to provide services, maintain insurance and business records, comply with applicable legal and regulatory requirements, resolve disputes, administer consent preferences, and protect our legal interests.

Text messaging records, including opt-in and opt-out records, may be retained as necessary to document consent, honor communication preferences, and demonstrate compliance with applicable requirements.

Retention periods vary depending on the type of information, the applicable insurance transaction, and legal obligations.

Depending on applicable law and the nature of the information, you may have rights to request access to, review, or correct certain personal information.

You may contact us to ask questions about information maintained by our agency or to request that inaccurate information be reviewed and corrected.

Certain information may need to be retained for insurance, regulatory, contractual, fraud prevention, or legal purposes and may not be eligible for deletion.

Where applicable law provides a right to opt out of certain disclosures, sales, or targeted advertising, we will honor that right as required by law.

You may also opt out of marketing communications through the available unsubscribe or messaging opt-out methods.

Exercising a privacy right or withdrawing marketing consent will not result in unlawful discrimination or retaliation.

Our website or communications may contain links to insurance company websites, online payment portals, carrier applications, and other third-party services.

Those websites and services may have separate privacy policies and security practices. We encourage you to review their privacy statements before providing information directly to them.

Our agency is not responsible for the privacy practices of third-party websites that we do not operate, except as otherwise required by applicable law.

Our website is generally intended for adults seeking insurance products or services.

In connection with insurance transactions, we may receive information about minors, such as dependent children or household members, from parents, guardians, applicants, or other authorized individuals.

We handle such information only for appropriate insurance and business purposes and in accordance with applicable law.

We may revise this Privacy Statement from time to time to reflect changes in our services, technology, information practices, or legal obligations.

Any revised statement will be posted on our website with an updated effective date.

If a change requires additional notice, consent, or an opportunity to opt out under applicable law, we will take the required steps.

We encourage you to review this statement periodically.

If you have questions about this Privacy Statement, our insurance privacy practices, or our text messaging policy, or if you would like to request access to or correction of information maintained by our agency, please contact us.

Christine Marks Davis dba 1st Hometown Insurance
2538 Pecan Blvd
McAllen, TX 78501
Phone: (888) 686-3922
Email: service@1sthometowninsurance.com
Website: www.1sthometowninsurance.com

Please do not include Social Security numbers, payment card information, passwords, or sensitive medical information in an ordinary email or text message.

We will review and respond to inquiries in accordance with applicable law.

By using our website or requesting services from our agency, you acknowledge that you have had the opportunity to review this Privacy Statement.

Where separate consent or authorization is required by law, your use of our website or provision of a telephone number will not, by itself, substitute for that required consent or authorization.

Christine Marks Davis dba 1st Hometown Insurance
Independent Insurance Agency
Texas