Privacy Policy

Nothum Insurance Effective Date: 07/29/2026 Last Updated: 07/29/2026

Nothum Insurance ("Nothum Insurance," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit nothuminsurance.com (the "Site"), contact us, or use our insurance products and services.

By using the Site or providing us with your information, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site or provide us with your information.

1. Who We Are

Nothum Insurance is an independent insurance agency licensed in the State of Missouri, offering personal and commercial insurance products through multiple carriers.

Contact Information: Nothum Insurance 565 Harold Meyer Drive, New Haven, MO 63090. Phone: (636) 283-2012 Email: spencer@nothuminsurance.com.

2. Information We Collect

We may collect the following categories of information:

Contact information — name, mailing address, email address, and phone number (including mobile number)
Insurance information — details you provide to obtain a quote, apply for coverage, or file a claim, such as date of birth, driver's license number, vehicle information, property information, and prior insurance history
Payment information — billing information needed to process premium payments (processed securely through our carriers or payment processors; we do not store full payment card numbers)
Communications — records of calls, emails, text messages, and other correspondence between you and our agency
Website usage data — information collected automatically through cookies and similar technologies, such as IP address, browser type, pages visited, and time spent on the Site

We collect this information directly from you (through forms, phone calls, emails, or text messages), from insurance carriers and third-party data sources used in underwriting, and automatically through your use of the Site.

3. How We Use Your Information

We use the information we collect to:

Provide insurance quotes, applications, policy servicing, and claims assistance
Communicate with you about your policies, coverage options, renewals, and account matters
Respond to your inquiries and requests
Send you marketing communications about products and services that may interest you, where you have consented to receive them
Maintain and improve the Site and our services
Comply with legal, regulatory, and licensing obligations applicable to insurance agencies in Missouri
Detect and prevent fraud

4. Text Messaging (SMS) Communications

If you provide your mobile phone number to Nothum Insurance, you may receive text messages from us regarding quotes, policy updates, appointment reminders, claims, or other account-related communications.

Consent: By providing your mobile number and opting in, you consent to receive SMS messages from Nothum Insurance.
Message and data rates may apply. Message frequency will vary.
Opt-out: Reply STOP at any time to opt out of receiving text messages.
Help: Reply HELP for assistance, or contact us directly at (636) 283-2012 or spencer@nothuminsurance.com.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. How We Share Your Information

We do not sell your personal information. We may share your information with:

Insurance carriers and underwriters to obtain quotes, bind coverage, and service policies and claims
Service providers who perform functions on our behalf (e.g., IT services, phone/text systems, marketing platforms), under obligations to protect your information
Regulators and government authorities where required by law, such as the Missouri Department of Commerce and Insurance
Professional advisors such as attorneys or accountants, where necessary
Successors in the event of a merger, acquisition, or sale of agency assets

As stated above, mobile opt-in information and consent for text messaging is never shared with third parties for marketing or promotional purposes.

6. Cookies and Website Analytics

The Site may use cookies and similar tracking technologies to analyze traffic and improve user experience. You can control cookies through your browser settings. Disabling cookies may affect the functionality of the Site.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to service your insurance needs, comply with legal and regulatory recordkeeping requirements applicable to Missouri insurance producers, and resolve disputes.

9. Your Choices and Rights

You may opt out of marketing communications, including text messages (reply STOP) and emails (using the unsubscribe link), at any time.
You may contact us to request access to, correction of, or deletion of your personal information, subject to our recordkeeping obligations as a licensed insurance agency.
You may decline to provide certain information, though this may limit our ability to provide quotes or service your policy.

10. Children's Privacy

The Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

11. Third-Party Links

The Site may contain links to third-party websites, including insurance carrier portals. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review their privacy policies separately.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

Nothum Insurance 565 Harold Meyer Drive, New Haven, MO 63090. Phone: (636) 283-2012 Email: spencer@nothuminsurance.com.

This Privacy Policy is provided as a general template and does not constitute legal advice. Nothum Insurance should have this document reviewed by a licensed attorney familiar with Missouri insurance regulations, TCPA/TCR text messaging rules, and any applicable state or federal privacy laws before publishing it on the live website.