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Privacy Policy: James Foster Agency

Effective Date: March 30, 2026

The James Foster Agency is committed to protecting the privacy and security of the personal information our neighbors in Colorado Springs entrust to us. As a Farmers Insurance® agency, we adhere to strict federal and state privacy standards, including the Colorado Privacy Act (CPA) and the Homeowner’s Insurance Data Privacy Protections (HB26-1091).

1. Information We Collect

We collect “Non-public Personal Information” (NPI) to provide accurate quotes and professional service. This includes:

  • Identifiers: Name, address, email, and Social Security Number.

     

     

  • Risk Profile Data: Driving records (MVR), claim history (CLUE reports), and credit-based insurance scores.

  • Property Details: Specifics about your home, vehicles, or business assets.

     

     

  • Digital Data: IP addresses and website interaction data (via cookies) to improve your online experience.

  • Mobile Data: Phone numbers and SMS opt-in status.

2. Sources of Information

We receive information from:

  • Directly from you via applications, forms, and phone consultations.

     

     

  • Consumer reporting agencies (for credit and claims history).

     

     

  • Public records (property assessments and land titles).

  • Farmers Insurance® corporate systems.

3. How We Use Your Information

We use your data strictly for insurance-related purposes:

  • Underwriting: Determining eligibility and pricing for your “Power Bundle.”

  • Servicing: Processing payments, policy changes, and claims.

     

     

  • Communication: Sending policy updates, weather alerts, and “Smart Decision” reviews.

  • Compliance: Meeting legal obligations under Colorado insurance law.

4. SMS & Mobile Messaging (10DLC Compliance)

We value your mobile privacy. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. * Text messaging originator opt-in data and consent are strictly protected and will not be shared with any third parties.

  • You may opt-out of SMS communications at any time by replying STOP. For help, reply HELP.

     

     

5. Your Rights Under the Colorado Privacy Act

As a Colorado resident, you have the right to:

  • Access & Portability: Request a copy of the personal data we have collected.

     

     

  • Correction: Request that we fix any inaccurate information in your file.

     

     

  • Deletion: Request the deletion of data no longer necessary for your insurance transactions.

     

     

  • Opt-Out: Opt-out of the “sale” of personal data or targeted advertising (Note: The James Foster Agency does not sell your personal data).

     

     

6. Homeowner’s Insurance Specific Protections (HB26-1091)

Pursuant to 2026 Colorado law, we provide specific protections for homeowner’s insurance transactions:

  • We will not process your data for purposes unrelated to your insurance needs without affirmative consent.

     

     

  • In the event of an adverse underwriting decision, you have the right to review the specific data used to make that decision and request a correction.

     

     

7. Automated Decision-Making (AI) Disclosure

To provide the fastest service, we may use automated systems to assist in initial quote estimations. If an automated system results in an adverse decision regarding your insurance, you have the right to request a Meaningful Human Review by one of our licensed agents (James, Beau, or Ignacio).

8. Security of Your Information

We maintain physical, electronic, and procedural safeguards. Access to your NPI is restricted to agency employees who require it to provide you with products and services.

 

 

9. Contact Us

For privacy inquiries or to exercise your rights, contact our local office:

James Foster Agency

13570 Meadowgrass Dr, Ste 203

Colorado Springs, CO 80921

(719) 568-9260