Privacy Policy
How information is handled when you use the Richards Protection Solutions website. Last updated October 8, 2026.
Introduction
Richards Protection Solutions ("we", "our", or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.richards.care, use our services, or communicate with us.
By using our website or services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not access or use our services.
Company Information
Business Name: Richards Protection Solutions
Principal: Talor Richards, Founder & Principal Licensed Agent
License: Licensed insurance producer (NPN 21296792).
States of authority: Licensed to transact insurance in 16 U.S. states and the District of Columbia.
Website: https://www.richards.care
Contact Email: talor@richards.care
Phone: (941) 376-7815
Principal mailing address: Florida, United States
Information We Collect
While using our Service, we may ask you to provide certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Phone number
- Address, state, ZIP/postal code, city
- Date of birth
- Household size and income range
- Current insurance coverage status and the coverages you are interested in
- General, non-PHI health information necessary for an insurance quote — we do not collect Protected Health Information (PHI) or medical records; please do not submit diagnoses, treatments, or medical records through this website or forms
- Communication data: messages, emails, text messages, and phone call records
- Payment information (processed by our payment processor; we do not store credit card numbers)
- Usage data (see below)
2. Usage Data — We collect usage data automatically when you visit, including your device's IP address, browser type and version, the pages you visit, the time and date of your visit, how long you spend on those pages, and unique device identifiers and other diagnostic data. When you access our Service by or through a mobile device, we may collect additional information automatically, including the type of mobile device, your mobile device's unique ID, your mobile operating system, and the type of mobile browser you use. We may also collect information that your browser sends whenever you visit our Service.
How We Use Your Data
We may use your information for the following purposes:
- To provide and maintain our Service, including monitoring usage.
- To manage your account and access to our scheduling tools.
- To perform a contract or take steps to enter into a contract with you (for example, to facilitate an appointment or insurance quote request).
- To contact you by email, telephone, SMS, or other equivalent electronic communications regarding appointment confirmations, reminders, security updates, or other administrative matters, when necessary or reasonable.
- To send you coverage-renewal reminders and relevant product updates (you may opt out of marketing at any time).
- To respond to your requests, including requests to access, correct, or delete your personal information.
- To evaluate or conduct a merger, divestiture, restructuring, or sale of assets; your information may be transferred as part of such a transaction.
- For data analysis, identifying usage trends, and determining the effectiveness of our communications and marketing to improve our Service and your experience.
3. Sharing Your Personal Information — To provide quotes and facilitate enrollment, we share your information with insurance companies you are interested in. These companies have their own privacy policies. We work with trusted third-party vendors, including website hosting providers, email/SMS platforms, analytics tools (Google Analytics 4, Microsoft Clarity), payment processors, and scheduling software (e.g., Calendly).
Cookies and Similar Technology
We use cookies and similar tracking technologies to track activity on our Service and store certain information. Tracking technologies we use include beacons, tags, and scripts to collect and track information and to improve and analyze our Service. The technologies we use may include:
- Cookies or Browser Cookies. A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, you may not be able to use some parts of our Service.
- Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us to count users who visited those pages or opened an email and for other related website statistics.
Cookies may be persistent (remain on your device when you go offline) or session (deleted when you close your browser). We use both session and persistent cookies for the purposes set out below:
- Necessary / Essential Cookies — Type: Session Cookies. Administered by: Us. Purpose: Essential to provide the services you request and to enable website features, prevent fraud, and protect your account.
- Performance / Analytics Cookies — Type: Persistent Cookies. Administered by: Us and our analytics providers (Google Analytics 4, Microsoft Clarity). Purpose: To understand how visitors use the site, measure traffic, and improve performance.
- Functionality Cookies — Type: Persistent Cookies. Administered by: Us. Purpose: To remember your theme and sidebar preferences so they persist across visits.
SMS / Text Message Communications (10DLC / A2P / TCPA)
1. Consent to Receive Text Messages — By providing your phone number and opting in, you consent to receive text messages (SMS/MMS) from Richards Protection Solutions. These messages may include appointment confirmations and reminders, coverage or plan information, policy updates and important notices, and marketing messages about our services (you can opt out of marketing at any time).
2. Message Frequency & Charges — Message frequency varies. You may receive up to 10 messages per month. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
- Replying STOP to any text message (or replying QUIT, UNSUBSCRIBE, or CANCEL).
- Contacting us at ${siteConfig.agent.phoneDisplay} or ${siteConfig.agent.email}.
For help, reply HELP or contact us directly.
3. TCPA Compliance — We comply with the Telephone Consumer Protection Act (TCPA). We will not send text messages without your prior express written consent. We respect your preferences and provide clear opt-out mechanisms.
Retention & Transfer of Data
The Company will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.
We retain usage data for internal analysis purposes for a shorter period of time, except when this data is used to strengthen security or improve functionality, or when we are legally obligated to retain it for longer.
Typical retention: We retain insurance-licensing and recordkeeping data in accordance with applicable state insurance and federal requirements — typically up to seven years for licensing, tax, and accounting records, and as required for claims and audit purposes. If you request deletion of your data, we will honor that request subject to these legal and contractual retention obligations.
You may update, amend, or delete your information at any time by scheduling a consultation, or by contacting us directly. We will respond within a reasonable time and within any legally required window.
Please note, however, that we may need to retain certain information when we have a legal obligation or lawful basis to do so (for example, insurance licensing records, tax records, or fraud-prevention data).
Data Disclosure
1. Insurance Carriers & Business Partners — To provide quotes and facilitate enrollment, we share your information with insurance companies you are interested in. These companies have their own privacy policies. We work with trusted third-party vendors, including website hosting providers, email/SMS platforms, analytics tools (Google Analytics 4, Microsoft Clarity), payment processors, and scheduling software (e.g., Calendly).
2. Business Transactions — If the Company is involved in a merger, acquisition, or asset sale, your personal data may be transferred. We will provide notice before your data is transferred and becomes subject to a different privacy policy.
3. Law Enforcement & Legal Compliance — We may be required to disclose your personal data if required to do so by law, or in response to valid requests by public authorities (e.g., a court or government agency).
4. Other Legal Requirements — We may disclose your data when we believe in good faith that such action is necessary to:
- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of users of the Service or the public
- Protect against legal liability
Data Security
The security of your personal data is important to us. No method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.
We implement appropriate technical and organizational measures to protect your information, including:
- SSL/TLS encryption for data in transit
- Secure servers and databases with access controls
- Authentication and authorization protocols
- Regular security audits and vulnerability assessments
- Employee training on data protection and privacy
- Incident response and breach-notification procedures
HIPAA, Health Information, and the GLBA
We do not request or store Protected Health Information (PHI) through this website or forms. Insurance underwriting may require health-related information, which you will be directed to submit only through a secure, HIPAA-compliant channel provided by the carrier — never through this website or ordinary email/text.
As a licensed insurance agency we are not typically a HIPAA Covered Entity. However, we take the protection of health-related information seriously and follow industry best practices. Any health information you provide for quoting is used solely to help you find appropriate coverage; we do not collect detailed medical records or PHI through this website.
As a licensed insurance agency, we comply with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations regarding the collection, use, and disclosure of non-public personal information (NPI). We do not share your NPI with unaffiliated third parties for their marketing purposes without your consent, and we maintain physical, electronic, and procedural safeguards to protect your information.
Your Privacy Rights
Depending on your location, you may have the following rights:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request corrections to inaccurate or incomplete information.
- Deletion: Request deletion of your personal information (subject to legal obligations).
- Opt-Out: Opt out of marketing communications and text messages.
- Data Portability: Request a copy of your data in a portable format.
- Restrict Processing: Request restrictions on how we use your data.
To exercise any of these rights, contact us at talor@richards.care or (941) 376-7815.
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under 13 without verification of parental consent, we will take steps to remove that information from our servers.
The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.
Links to Other Websites
Our Service may contain links to other websites not operated by us. If you click a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.
California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information we collect, use, and share
- Right to delete personal information (with exceptions)
- Right to opt-out of the sale of personal information (we do not sell your data)
- Right to non-discrimination for exercising your CCPA rights
To make a CCPA request, email talor@richards.care with "CCPA Request" in the subject line.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective, and will update the "Last updated" date above.
You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted on this page.
Contact Us
If you have any questions about this Privacy Policy, you can contact us:
By email: talor@richards.care
By phone: (941) 376-7815
Schedule a consultation: Schedule a Free Consultation
We will respond to your inquiry within 30 days.