Effective Date: August 26, 2026   |   Jurisdiction: State of North Carolina

Kearney Insurance Services Inc. ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our EZLynx client portal, request insurance quotes, or communicate with us via telephone, email, or text message (SMS).

To provide accurate insurance quotes, service policy accounts, and process client requests, we may collect non-public personal information about you, including:

• Identifying & Contact Information
  Name, mailing address, email address, phone number, date of birth, and Social Security Number (when necessary for credit or underwriting checks).
• Property & Vehicle Information
  Vehicle Identification Numbers (VINs), driver's license numbers, driving records, property locations, mortgage holder details, and claims history.
• Financial & Billing Data
  Payment account details necessary to process premium payments directly with insurance carriers.
• Technical & Usage Data
  Information collected automatically when visiting our site, such as IP addresses, browser types, device identifiers, and usage metrics through web logs, cookies, analytics software, or tracking mechanisms used now or implemented in the future by us or our website service providers (e.g., EZLynx).

We use the collected information for standard insurance operations, including to:

• Generate insurance quotes, submit formal applications to underwriting carriers, and service active policies.
• Communicate regarding policy renewals, coverage updates, claims processing, and billing notices.
• Operate, maintain, enhance, and secure our website and client portal features.
• Comply with applicable state and federal legal, regulatory, and insurance department standards.

We do not sell, rent, or trade your personal information. We share information strictly as necessary to conduct standard insurance agency operations:

• Insurance Carriers & Wholesale Brokers
  To obtain rate quotes, issue policies, process claims, and maintain coverage.
• Service Providers
  Trusted third-party vendors who assist in operating our agency and website (e.g., EZLynx for agency management software, client portal hosting, rating engines, and communications).
• Legal & Regulatory Authorities
  When required by law, court order, subpoena, or state insurance department rules.

By providing a mobile phone number and opting in to receive text messages from Kearney Insurance Services Inc., you consent to receive SMS communications regarding quote updates, policy notifications, and agency alerts.

• Strict Non-Sharing Protection
  Mobile phone numbers and text messaging opt-in/consent data will NEVER be sold, rented, shared, or disclosed to third parties, affiliates, or lead generators for marketing or promotional purposes.
• Opt-Out Procedure
  You may opt out of receiving text messages at any time by replying "STOP" to any SMS message received from us. Message and data rates may apply.

We implement physical, electronic, and procedural safeguards designed to protect your personal information against unauthorized access, loss, or alteration. Access to personal data is restricted strictly to authorized personnel and trusted service providers who require access to service your insurance needs.

Our site may contain links to insurance carrier portals or leverage third-party tools (such as analytics software, embedded forms, or social media tools). We encourage you to read the privacy policies of any third-party services you access through our site.

Kearney Insurance Services Inc.
Mount Olive, NC
Phone: 919-658-4938
john@kearneyins.com