Privacy Policy

Effective Date: 05/01/2025

Fervor LLC, doing business as Budget Bonds and Insurance Services (“Budget Bonds,” “Company,” “we,” “us,” or “our”), respects your privacy.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit https://budgetbonds.com (“Site”), request a quote, apply for insurance or a surety bond, obtain services, or communicate with us.

Additional privacy notices or authorizations may apply to particular insurance transactions, financial information, or services. This Policy supplements those notices and does not limit any rights provided by applicable law.

1. Information We Collect

The information we collect depends on your interaction with us and the products or services you request.

A. Contact and identifying information

We may collect:

Name and business name.

Email address, telephone number, and mailing address.

Business contact information and your role within a business.

Contractor license or application number.

Other identifying information needed to respond to your request or process an application.

B. Insurance, bond, and transaction information

Depending on the product requested, we may collect information about:

Business operations, ownership, payroll, revenue, and employees.

Vehicles, drivers, properties, and other exposures relevant to coverage.

Current or previous insurance, bonds, claims, and loss history.

Quotes, applications, policies, bonds, renewals, and payment transactions.

Supporting documents and information about applicants, owners, or indemnitors.

Certain applications may require sensitive information, such as a date of birth, driver’s license number, Social Security number, or financial information. We collect or request such information only when reasonably necessary for the transaction or otherwise permitted by law.

Payment information may be collected through a payment processor. The information available to us depends on the payment method and processor.

C. Communications and consent records

We may retain inquiries, emails, text messages, correspondence, service notes, communication preferences, and records of consent or withdrawal of consent.

If calls are recorded or monitored, we will provide legally required notice and obtain legally required consent.

D. Website and device information

We may automatically collect:

IP address and approximate location derived from it.

Browser type, operating system, and device information.

Pages visited, referring pages, and interactions with the Site.

Dates, times, and duration of visits.

Cookie identifiers and similar technical information.

Some technical information can identify or be associated with an individual. We treat it as personal information where applicable law requires.

2. Sources of Information

We may receive information:

Directly from you through forms, applications, calls, texts, emails, or other communications.

From a person authorized to act on your behalf.

From insurers, sureties, wholesalers, brokers, and other parties involved in a requested transaction.

From publicly available licensing or business records.

From authorized verification or reporting sources, where permitted by law.

Automatically through your use of the Site.

Where separate authorization is required to obtain a consumer report or other information, we or the relevant provider will obtain that authorization. This Privacy Policy does not itself authorize a credit inquiry.

3. How We Use Information

We use personal information as reasonably necessary to:

Respond to questions and provide customer service.

Prepare quotes and process insurance or bond applications.

Submit information to appropriate insurers, sureties, and underwriting partners.

Arrange, administer, and service policies and bonds.

Process payments and maintain transaction records.

Send document requests, account updates, and renewal reminders.

Communicate about products or services, consistent with applicable consent requirements and your preferences.

Operate, secure, troubleshoot, and improve the Site and our services.

Detect fraud, prevent misuse, and verify information.

Maintain consent records and honor privacy or communication requests.

Comply with legal, regulatory, recordkeeping, and contractual obligations.

We will obtain additional consent or provide additional notice for materially different uses where required by law.

4. How We Disclose Information

We may disclose information to the following categories of recipients, as necessary and permitted by law.

A. Insurance and surety participants

Insurers, sureties, managing general agents, wholesalers, brokers, underwriting providers, and other authorized participants may receive information needed to quote, evaluate, issue, administer, renew, or service a requested product.

These organizations may act independently and may provide their own privacy notices.

B. Service providers

We may use providers for website hosting, customer relationship management, document storage, payment processing, communications delivery, analytics, security, and administrative support.

We require providers acting on our behalf to protect personal information and restrict its use as required by applicable law and their agreements with us.

C. Authorized recipients

We may disclose information to persons or organizations you authorize, or as needed to complete a transaction you request. Depending on the transaction, these may include licensing authorities, certificate holders, or bond obligees.

D. Legal and regulatory purposes

We may disclose information when required or permitted by law, including to regulators, courts, law enforcement, professional advisers, or other parties as reasonably necessary to address fraud, resolve disputes, or protect legal rights.

E. Business transactions

Information may be disclosed in connection with a proposed or completed merger, acquisition, financing, reorganization, or sale of business assets, subject to applicable confidentiality requirements and privacy law.

F. Mobile information and messaging consent

We do not sell or share mobile phone numbers or text-messaging opt-in information with third parties or affiliates for their own marketing or promotional purposes.

We may provide this information to service providers that help deliver messages or support our customer service, subject to appropriate restrictions. We may also disclose it where legally required.

Providing a phone number for an insurance application does not authorize an insurer or other recipient to use our text-messaging consent for its own marketing.

5. Telephone, Text, Email, and Postal Communications

We may communicate with you by telephone, SMS or MMS text message, email, and postal mail, depending on your requests, preferences, and applicable permissions.

Service communications

Messages may concern requested quotes, applications, documents, payments, appointments, policies, bonds, renewals, or customer support.

Marketing communications

We may send marketing communications where permitted by law. Where separate consent is required, including for certain automated marketing calls or texts, we will obtain it separately.

Consent to marketing is not a condition of purchasing insurance, a bond, or another service. Visiting the Site or reading this Policy does not itself provide marketing consent.

Your communication choices

Text messages: Reply STOP to opt out or HELP for assistance. Message frequency varies, and message and data rates may apply.

Telephone calls: Tell our representative or contact us to request that marketing calls stop or to withdraw applicable consent.

Marketing emails: Use the unsubscribe link or contact us.

Promotional postal mail: Contact us to request removal from our promotional mailing list.

You may also withdraw consent through another reasonable method. We will honor requests promptly and within applicable legal deadlines.

After a text opt-out, we may send one nonpromotional confirmation message. Necessary nonmarketing communications may continue through legally permitted channels, consistent with your request and applicable law.

Opting out of communications does not cancel a policy, bond, application, or payment obligation.

6. Cookies, Analytics, and Advertising Technologies

We use cookies and similar technologies to support website functionality, remember preferences, and understand how visitors use the Site.

You can manage cookies through your browser settings. Blocking cookies may affect certain features.

[Before publication: identify the analytics, advertising pixels, and similar technologies actually used. Explain their purposes, the categories of information disclosed, whether providers collect information across other websites over time, and the available controls. If none are used beyond essential cookies, say so accurately.]

Sale or sharing of information: We do not sell or rent customer contact lists for money. Certain advertising-related disclosures can nevertheless constitute a “sale” or “sharing” under state privacy laws.

Browser privacy signals: Traditional “Do Not Track” signals and Global Privacy Control are different mechanisms.

7. Retention of Information

We retain personal information for as long as reasonably necessary for the purposes described in this Policy, including servicing transactions, maintaining required insurance records, resolving disputes, preventing fraud, and meeting legal obligations.

Retention periods depend on the information, product, relationship, and applicable requirements. We may retain limited suppression or consent records to ensure that we continue to honor communication preferences.

When information is no longer needed, we take reasonable steps to delete, de-identify, or securely dispose of it, subject to applicable retention requirements.

8. Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information.

No website, storage system, or communication method is completely secure. We cannot guarantee absolute security.

Please do not send Social Security numbers, full payment card details, or similarly sensitive information through ordinary text messages or unsecured email. Contact us for an appropriate submission method.

9. Your Privacy Rights and Requests

Depending on your location, the information involved, and the laws that apply, you may have rights to:

Request access to or information about personal information we maintain.

Request correction of inaccurate information.

Request deletion, subject to legal exceptions.

Obtain a copy of certain information.

Restrict certain disclosures or uses.

Opt out of applicable sales, sharing, or targeted advertising.

Withdraw consent where processing depends on consent.

Not every right applies to every record or transaction. Insurance and financial information may be governed by separate privacy requirements and exemptions. Nothing in this Policy removes rights available under those laws.

To submit a request, email [email protected], call (949) 989-7577, or write to the address below.

We may request information reasonably necessary to verify your identity and authority for requests involving access, correction, or deletion. Where allowed by law, an authorized agent may submit a request for you.

We will respond within the applicable legal timeframe and explain any applicable limitation or denial. We will not unlawfully discriminate against you for exercising privacy rights.

Please do not include sensitive identifiers in an initial privacy request.

10. Third-Party Websites

The Site may link to insurer portals, payment services, or other independent websites. Their handling of information is governed by their own privacy notices.

Please review those notices before providing information. This section does not limit responsibilities that applicable law places on us.

11. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through the Site.

If you believe a child has provided information through the Site, contact us so we can investigate and take appropriate action.

Information about a minor that an authorized adult provides for a legitimate insurance transaction will be handled under applicable privacy requirements.

12. Changes to This Policy

We may update this Policy to reflect changes in our practices, services, or legal requirements. We will post the revised Policy with an updated effective date.

Where required, we will provide additional notice or obtain consent before implementing material changes. Posting an updated Policy does not itself create new marketing consent.

13. Contact Us

For privacy questions, requests, or communication preferences, contact:

Fervor LLC
Doing business as Budget Bonds and Insurance Services

Mailing address:
15642 Sand Canyon Ave, #51044

IIrvine, CA 92619

Telephone: (949) 989-7577
Email: [email protected]
Website: https://budgetbonds.com