Effective Date
February 21, 2026

Who We Are
Wind River Insurance, LLC (“we,” “us,” “our”) operates this website and provides insurance services and marketing.
 
A. Scope of this Policy
This Privacy Policy describes how we collect, use, disclose, and safeguard personal information obtained through our website, forms, email, phone, and SMS (for those who opt in). Some data we handle in connection with providing personal lines and commercial insurance is subject to the federal Gramm‑Leach‑Bliley Act (GLBA) and similar state insurance privacy laws. Where GLBA applies, those rules govern; for other activities (like general website visitors or marketing), state consumer privacy laws (including the Colorado Privacy Act) may also apply. 
 
Note for Colorado residents: The Colorado Privacy Act (CPA) grants consumers rights (e.g., access, deletion, correction, and opt‑outs for targeted advertising/sale/profiling). Certain GLBA‑regulated data is exempt, but we still aim to provide clear disclosures and reasonable choices for our site visitors. 
 
B. Information We Collect
Depending on how you interact with us, we may collect:

1. Identifiers & contact data — name, address, email, phone, driver’s license or other IDs.

2. Insurance application & account data — household members, property/vehicle details, prior insurance, claims/loss history, coverages, premiums, payment history.

3. Device/usage data — IP address, browser, pages viewed, referral URLs, and cookies/pixels for analytics and advertising.

4. Geolocation (approximate, via IP) and call/text recordings if permitted by law and disclosed during calls.

5. Sensitive or regulated data — in limited cases as required for quotes/claims (e.g., motor vehicle records, credit‑based insurance scores, property reports). We obtain some data from consumer reporting agencies or insurance support organizations as allowed by law. 
    

C. How We Use Information

• Quoting, underwriting, and servicing insurance policies; processing claims; billing and payments.

• Communications: responding to inquiries, sending policy/account notices, and (with applicable consent) marketing messages by email/SMS.

• Security, fraud prevention, and compliance with legal/contractual obligations.

• Analytics and site improvement, including measuring effectiveness of ads and optimizing our services. 
   

D. How We Share Information
We do not sell personal information. We may share information:

• With insurers/carriers, general agencies, reinsurers, adjusters, inspectors, vendors, consumer reporting agencies, and service providers who support quoting, underwriting, claims, billing, communications, analytics, or site operations.

• With regulators or law enforcement where required by law.

• With third parties in connection with a business transfer (e.g., merger or asset sale).

• ​All third parties must use information only for the intended purpose and protect it appropriately.

• No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
   

E. Cookies, Tracking & Targeted Advertising
We (and service providers) use cookies, pixels, and similar technologies for site functionality, analytics, and to tailor ads. Colorado residents may opt out of targeted advertising via our “Do Not Sell/Share or Target” link (if present) or by using recognized universal opt‑out signals as specified by CPA Rules. We will honor valid browser‑based or platform signals when required.
 
F. Your Privacy Rights
Colorado Privacy Act (CPA) Rights (when applicable):

• Access/Portability: Request confirmation and a copy of personal data we maintain.

• Correction: Request we correct inaccuracies.

• Deletion: Request deletion of personal data we maintain (subject to legal exceptions).

• Opt‑Out: Opt out of targeted advertising, the sale of personal data (we don’t sell), or certain profiling.
  How to submit: Email [privacy@windriverinsurancellc.com] or call [970-541-4225]. We will authenticate your request and respond within the time required by law. You may designate an authorized agent. Appeals: If we deny your request, you may appeal by replying “Appeal” to our response; you also may contact the Colorado Attorney General. [coag.gov]

 
Biometric data note (Colorado HB24‑1130): If we ever collect biometric identifiers (e.g., voiceprint for call authentication), we will provide clear notice, limit retention, and obtain consent as required beginning July 1, 2025. Currently, we do not intentionally collect biometric identifiers through this website. 
 
California Visitors: If we become subject to CCPA/CPRA, we will provide required disclosures/rights and honor opt‑outs consistent with the CPPA’s regulations.
 
G. Data Security & Retention
We maintain administrative, technical, and physical safeguards aligned with industry standards to protect personal information. While no method is 100% secure, we monitor and improve our controls. We retain data as needed for business, legal, and regulatory purposes, then securely delete or de‑identify it. 
 
H. Children’s Privacy
Our site is not directed to children under 16, and we do not knowingly collect their personal information online. 
 
I. SMS Texting Disclosures (Marketing & Alerts)

By opting in to receive SMS from us, you agree to receive text messages related to our services, including recurring marketing and/or service messages, appointment reminders, customer support, and important updates at the mobile number provided. Message and data rates may apply. Message frequency varies based on your interactions with our business. Consent to receive SMS is not a condition of purchase. You may opt out of SMS notifications at any time by replying "STOP." You will receive a final confirmation message and no further SMS will be sent unless you re-opt in. For assistance, reply "HELP" or contact us at . Customer support is available during regular business hours.

 

We maintain timestamped records of all SMS opt-in actions and honor opt-out requests promptly, per the Telephone Consumer Protection Act (TCPA) and related FCC rules. We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

No SMS opt-in information will be shared with third parties/affiliates for marketing or promotional purposes. 

Information sharing to subcontractors or service providers is permitted only for delivering the SMS services you have requested. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties outside necessary service providers or aggregators.

 

We do not send promotional SMS content without your specific consent.

 

Carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers.

J. Changes to This Policy
We may update this Policy from time to time; the Effective Date above reflects the latest version. Material changes will be posted here.

K. How to Contact Us
Privacy questions or requests: privacy@windriverinsurancellc.com · 970-541-4225 · Mailing Address: PO Box 7143