Schad Agency, Inc. | Effective Date: July 9, 2026

1. Introduction

Schad Agency, Inc. ("Schad Agency," "we," "our," or "us") respects your privacy and is committed to protecting the personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our websites, submit information through our forms, request insurance services, communicate with us, or otherwise interact with us.

This Privacy Policy applies to www.schadins.com, www.hoainsurance.io, and any other website, landing page, online form, digital advertisement, or online service that we own or operate and that links to this Privacy Policy (collectively, the "Website"). It also applies to information collected through email, telephone, SMS/text messaging, social media, online quote requests, certificate requests, claim reporting requests, event registrations, online payments, and other communications with Schad Agency.

Schad Agency is a Colorado-based independent insurance agency licensed in multiple states. We provide personal insurance, commercial insurance, community association insurance, condominium and HOA master policy insurance, townhome association insurance, renters insurance, flood insurance, umbrella insurance, life insurance, and related insurance products and services.

By using our Website or communicating with us, you acknowledge that you have read this Privacy Policy and understand how we collect, use, and share information as described below.

2. Information We Collect

The information we collect depends on how you interact with us and which insurance products or services you request. We may collect information directly from you, from your representatives, from insurance carriers, from service providers, from publicly available sources, from website technologies, and from other sources permitted by law.

2.1 Personal and Contact Information

Name, mailing address, property address, business address, email address, and telephone number.
Date of birth, driver information, household information, business contact information, and other identifying information needed for insurance quoting or servicing.
Communication preferences and records of your communications with us, including email, phone, voicemail, text messages, online forms, and social media messages.

2.2 Insurance and Underwriting Information

Information needed to quote, place, service, renew, or review insurance coverage, including current carrier, policy limits, coverage history, loss history, claims information, prior insurance, and underwriting details.
Property information, including address, construction type, year built, square footage, roof information, replacement cost information, inspections, photographs, flood or wildfire risk information, occupancy, ownership, and maintenance-related details.
Vehicle and driver information, including vehicle identification numbers, garaging location, driver history, usage, mileage, and related underwriting information.
Business insurance information, including operations, revenue, payroll, employees, vehicles, locations, contracts, risk management practices, and prior coverage.
Community association information, including association name, property manager, board contact information, governing documents, number of units, buildings, common elements, amenities, loss history, budgets, replacement cost valuations, construction information, and insurance requirements.
Information relating to certificate requests, additional insured requests, mortgagee/lender information, claims, billing, audits, renewals, endorsements, cancellations, reinstatements, and policy changes.

2.3 Payment and Transaction Information

If you make payments through links or services we provide, we or our payment service providers may collect payment-related information necessary to process the transaction. Payment information may include billing name, billing address, payment amount, transaction identifiers, and limited payment card information. Payment card information is processed by authorized payment processors. Schad Agency does not intentionally retain payment card security codes after authorization.

2.4 Website, Device, and Analytics Information

When you visit our Website, certain information may be collected automatically, including IP address, browser type, device type, operating system, referring website, pages viewed, date and time of access, approximate location derived from IP address, clickstream data, and interactions with forms, advertisements, and website content.

2.5 Cookies, Pixels, and Similar Technologies

We use cookies, pixels, tags, scripts, and similar technologies to operate the Website, remember preferences, analyze traffic, improve content, and measure advertising performance. These technologies may include Google Analytics and Meta/Facebook Pixel. These tools help us understand how visitors interact with our Website and how our digital advertising performs.

You can usually control cookies through your browser settings. Disabling cookies may affect Website functionality. Where required by applicable law, we will provide additional choices regarding targeted advertising, sale or sharing of personal information, or recognized universal opt-out mechanisms.

2.6 Information from Third Parties

We may receive information from insurance carriers, wholesale brokers, managing general agents, claims administrators, inspectors, loss control providers, payment processors, lead sources, referral partners, technology vendors, public records, property databases, motor vehicle records, consumer reporting agencies where permitted, and other sources used in the ordinary course of insurance quoting and servicing.

3. How We Use Information

We use information for legitimate business purposes, to perform services you request, to comply with legal and regulatory obligations, and to communicate with you. These uses may include:

Providing insurance quotes and coverage options.
Submitting applications and underwriting information to insurance carriers, wholesalers, managing general agents, and other insurance markets.
Placing, servicing, renewing, changing, or cancelling insurance policies when properly authorized and confirmed.
Responding to questions, service requests, certificate requests, claims inquiries, billing questions, and renewal requests.
Processing online payments and related transactions.
Communicating by phone, email, mail, SMS/text message, or other channels.
Sending policy reminders, renewal reminders, claim updates, appointment reminders, billing notices, and customer service messages.
Sending newsletters, educational materials, marketing communications, and advertising where permitted by law and your communication preferences.
Administering websites, online forms, advertisements, events, webinars, downloadable resources, and educational content.
Improving the Website, customer experience, marketing, operations, security, and agency services.
Detecting, investigating, and preventing fraud, unauthorized access, misuse, or illegal activity.
Complying with applicable insurance laws, privacy laws, recordkeeping obligations, carrier requirements, court orders, subpoenas, legal process, and regulatory requests.
Protecting the rights, safety, and property of Schad Agency, our customers, insurance carriers, and others.

4. SMS/Text Messaging Privacy

If you consent to receive SMS/text messages from Schad Agency, we may use your telephone number and related messaging information to send messages about insurance quotes, policy service, renewal reminders, claim updates, billing reminders, appointment scheduling, customer service, and marketing messages where permitted and consented to.

Message frequency varies depending on your interactions with us and the services requested. Message and data rates may apply. You may opt out of SMS/text messages at any time by replying STOP, CANCEL, END, QUIT, UNSUBSCRIBE, or another reasonable opt-out request. You may request help by replying HELP or by contacting us directly.

SMS consent and phone numbers collected for SMS communications are not sold, rented, or shared with third parties or affiliates for their own marketing purposes. We may share SMS-related information with service providers that help us operate our messaging program, but only as necessary to provide the service and subject to appropriate restrictions.

Opting out of SMS/text messaging will not prevent us from communicating with you by other methods where permitted by law, including email, phone, or mail, and it will not affect communications necessary to complete transactions you request or to comply with legal obligations.

5. How We Share Information

We share information only as reasonably necessary for the purposes described in this Privacy Policy, as authorized by you, or as permitted or required by law. Depending on your request, information may be shared with:

5.1 Insurance Carriers, Wholesalers, and Insurance Markets

We may share information with insurance companies, wholesale brokers, managing general agents, surplus lines brokers, program administrators, claims administrators, underwriters, inspectors, loss control providers, premium finance companies, and other insurance market participants in order to quote, bind, issue, service, renew, audit, endorse, cancel, reinstate, or administer insurance coverage.

5.2 Technology and Business Service Providers

We may share information with vendors that help us operate our business and provide services, including AgencyZoom, NowCerts, Microsoft 365, Dropbox, Dropbox Sign, DocuSign, website hosting providers, web form providers, analytics providers, advertising platforms, payment processors, email providers, SMS providers, cybersecurity vendors, IT support providers, and document storage providers. These vendors may process information on our behalf and are expected to use information only for authorized purposes.

5.3 Payment Processors

When you make an online payment, payment information may be processed by third-party payment processors. We do not control every aspect of those processors' privacy and security practices, and their own privacy policies may also apply.

5.4 Legal, Regulatory, and Safety Purposes

We may disclose information to comply with laws, regulations, subpoenas, court orders, legal process, regulatory requests, carrier requirements, audits, licensing obligations, fraud prevention efforts, or to protect the rights, safety, and property of Schad Agency, customers, carriers, or others.

5.5 Business Transfers

If Schad Agency is involved in a merger, acquisition, agency sale, book transfer, reorganization, or similar transaction, information may be disclosed or transferred as part of that transaction, subject to appropriate confidentiality protections where applicable.

5.6 We Do Not Sell Personal Information for Money

We do not sell personal information for monetary consideration. However, certain analytics or advertising technologies, such as pixels or cookies used for targeted advertising, may be considered a "sale," "sharing," or "targeted advertising" under some state privacy laws. Where applicable, you may have the right to opt out of those uses.

6. Legal Bases and Purposes for Processing

Depending on the applicable law and the type of information involved, we may process information because it is necessary to provide requested services, perform a contract, obtain insurance quotes, comply with legal or regulatory obligations, protect legitimate business interests, prevent fraud, communicate with you, or because you have provided consent. Where consent is required, you may withdraw consent as permitted by law, although withdrawal may not affect processing that occurred before withdrawal or processing permitted on another legal basis.

7. Data Retention

We retain information for as long as reasonably necessary to provide insurance services, maintain business records, comply with insurance, tax, accounting, legal, licensing, and regulatory obligations, resolve disputes, enforce agreements, support audits, and protect against fraud or legal claims. Retention periods may vary depending on the type of information, policy status, carrier requirements, state insurance laws, and our legitimate business needs.

When information is no longer needed, we may delete, de-identify, aggregate, or archive it in accordance with our record retention practices and applicable law.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. These safeguards may include access controls, employee training, vendor management, secure document handling, password protections, multi-factor authentication where appropriate, and reasonable data security practices.

No website, email system, SMS platform, storage system, or method of electronic transmission is completely secure. You should use caution when sending sensitive information by email, text message, or web forms. If you believe your information has been compromised, please contact us promptly.

9. Your Privacy Rights and Choices

Depending on your state of residence and applicable law, you may have certain privacy rights. These rights may include the right to:

Confirm whether we process your personal information.
Access personal information we maintain about you.
Correct inaccurate personal information.
Request deletion of certain personal information.
Obtain a portable copy of certain personal information.
Opt out of targeted advertising, sale of personal information, or certain profiling activities where applicable.
Appeal a decision regarding a privacy rights request where required by law.
Not be discriminated against for exercising privacy rights.

To submit a privacy request, contact us at info@schadins.com or (303) 661-0083. We may need to verify your identity before processing your request. Some information may be exempt from deletion or disclosure because it is needed to provide insurance services, comply with legal requirements, maintain records, prevent fraud, complete transactions, or protect legal rights.

9.1 Colorado Residents

To the extent the Colorado Privacy Act applies to our activities, Colorado residents may have rights to access, correct, delete, obtain a portable copy of, and opt out of certain processing activities, including targeted advertising, sale of personal data, or profiling that produces legal or similarly significant effects. Colorado law also recognizes certain universal opt-out mechanisms. Where applicable, we will honor valid requests as required by law.

9.2 California Residents

To the extent California privacy laws apply to our activities, California residents may have rights to know/access, delete, correct, opt out of sale or sharing, limit certain uses of sensitive personal information, and receive non-discriminatory treatment for exercising privacy rights. We do not sell personal information for money. Some advertising and analytics uses may be considered sharing under California law, and California residents may contact us to exercise applicable rights.

9.3 Marketing Choices

You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting us. You may opt out of SMS/text messages by replying STOP or by contacting us. Even if you opt out of marketing communications, we may still send transactional or service-related communications where permitted by law.

10. Children's Privacy

Our Website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the Website. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete it.

11. Third-Party Websites and Services

Our Website may link to third-party websites, insurance carrier websites, payment portals, social media platforms, scheduling tools, document signing services, or other external services. We are not responsible for the privacy practices, security, or content of those third-party websites or services. Their own privacy policies and terms may apply.

12. Insurance-Specific Privacy Considerations

Insurance transactions often require sharing information with carriers, wholesalers, managing general agents, reinsurers, inspectors, claims professionals, premium finance companies, certificate holders, mortgagees, lenders, and regulators. Information submitted for insurance purposes may become part of an insurance application, underwriting file, policy file, claim file, or regulatory record and may be subject to carrier-specific privacy notices and retention requirements.

Submitting information through our Website does not guarantee that coverage will be available, quoted, bound, endorsed, renewed, reinstated, or cancelled. Coverage changes are effective only when confirmed in writing by Schad Agency and, where required, the applicable insurance carrier.

13. International Users

Schad Agency is based in the United States and our Website is intended primarily for users located in the United States. If you access the Website from outside the United States, you understand that information may be processed in the United States, where privacy laws may differ from those in your jurisdiction.

14. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our Website with a revised effective date. Your continued use of the Website or our services after an updated Privacy Policy is posted means you acknowledge the updated policy.

15. Contact Information

If you have questions about this Privacy Policy or wish to submit a privacy request, contact us at:

Schad Agency, Inc.
433 Summit Blvd Unit 101
Broomfield, Colorado 80021
Phone: (303) 661-0083
Email: info@schadins.com
Website: www.schadins.com

16. Governing Law

This Privacy Policy is governed by the laws of the State of Colorado, without regard to conflict of law rules, except to the extent another law applies by operation of law. Venue for disputes relating to this Privacy Policy shall lie in the appropriate state or federal courts located in Colorado, unless otherwise required by applicable law.