Bold & Bolder LLC
DBA THE LUGO INSURANCE AGENCY
12276 San Jose Blvd, Suite 421-A
Jacksonville, FL 32223
Phone: 561-320-3062
Email: [email protected]

Last Updated: November 1, 2025

1. Introduction
Bold & Bolder LLC DBA THE LUGO INSURANCE AGENCY (“we,” “us,” or “our”) is committed to protecting the privacy of individuals who interact with our company, including those who communicate with us by phone, SMS text message, WhatsApp, or through our website. This Privacy Policy explains how we collect, use, and safeguard personal information, including mobile phone numbers used for service-related messaging.

This policy applies to all customers, prospects, and users who engage with our services.

2. Types of Messages We Send
We only send non-marketing, service-related communications. These messages may include:

Appointment confirmations and reminders

Responses to quote or information requests

Policy-related updates or notices

Follow-up messages regarding a request initiated by the user

Two-way communication for customer service or support

We do not send promotional, advertising, or mass marketing messages.

3. Consent and Opt-In
By providing your mobile phone number to us through a web form, phone call, in person, or by initiating a message to us, you consent to receive service-related SMS or WhatsApp messages from us.

Consent to receive messages is not a condition of purchase or of receiving services from us.

Message and data rates may apply based on your mobile carrier.

We maintain documentation of consent in accordance with TCPA and A2P messaging regulations.

4. Opt-Out and Unsubscribe
You may revoke consent and stop receiving messages at any time.

For SMS: Reply STOP to any message

For WhatsApp: Reply STOP or use WhatsApp’s block or unsubscribe tools

You may also request removal by emailing [email protected] or calling 561-320-3062

Once you opt out, you will no longer receive service messages unless you opt in again.

5. Information We Collect
We may collect and store the following information:

Name

Mobile phone number

Communication and support history

Details related to insurance quotes or policy inquiries

Preferred messaging channel (SMS or WhatsApp)

We do not collect financial account numbers, Social Security numbers, or protected health information through messaging channels.

6. How We Use Messaging Information
We use your mobile phone number solely to communicate with you regarding services you have requested or initiated. This includes:

Responding to inquiries

Providing requested quote or policy information

Sending appointment or renewal reminders

Delivering service updates or required notices

We do not sell, rent, or share mobile phone numbers with third parties for marketing purposes.

7. WhatsApp-Specific Terms
If you contact us or opt in to receive messages via WhatsApp:

You agree to WhatsApp’s Terms of Service and Privacy Policy

We will only send messages after you have provided consent or initiated communication

Any business-initiated messages outside WhatsApp’s 24-hour window may require approved messaging templates

We follow all Meta/WhatsApp Business Messaging requirements

We do not send broadcast marketing campaigns through WhatsApp.

8. A2P, TCPA, and Carrier Compliance
We comply with:

The Telephone Consumer Protection Act (TCPA)

A2P 10DLC carrier rules and registration requirements

CTIA messaging guidelines

Meta/WhatsApp Business Messaging Policies

We do not use autodialers or send automated promotional text campaigns.

We maintain opt-in records and honor all opt-out requests promptly.

9. Data Security
We use commercially reasonable security measures to protect personal information. Access to data is restricted to authorized personnel and systems.

We do not sell or license personal information.

10. Data Sharing
We may share information only with:

Messaging service providers that transmit SMS or WhatsApp messages

Technology platforms needed to operate our communication systems

Regulatory agencies if legally required

We do not share data with unrelated third parties for advertising or sales.

11. Your Rights
You may request:

Access to the information we have on file for your phone number

Correction or deletion of your information

A record of your consent to receive messages

Requests may be submitted by email to [email protected] or by phone at 561-320-3062.

12. Changes to This Policy
We may update this Privacy Policy at any time. Changes will be posted on our website with an updated effective date. Continued use of our services after revisions indicates acceptance of the updated policy.

13. Contact Information
For questions about this Privacy Policy or mobile messaging practices, contact:

Bold & Bolder LLC
DBA THE LUGO INSURANCE AGENCY
12276 San Jose Blvd, Suite 421-A
Jacksonville, FL 32223
Phone: 561-320-3062
Email: [email protected]