Privacy Policy

01Who we are and what this policy covers

This Privacy Policy explains how Radiatova, a brand of The Nelson M Group LLC ("Radiatova," "we," "us," or "our") collects, uses, shares, and safeguards personal data when you visit radiatova.com (the "Site"), fill out a form, enroll in email or text-message updates, or contact us (together, the "Services"). The Nelson M Group LLC is the business responsible for your personal information.

Radiatova is an information service that publishes plain-language educational content about how insurance works, how to read a policy, and what tends to affect insurance costs, and lets visitors opt in to related updates by email or text. Radiatova does not sell insurance, give quotes or rates, or match or refer people to agents or insurers. Radiatova is not an insurance company, agency, or broker and does not supply insurance, legal, or financial advice. Choosing a policy is always your own decision.

By using the Services, you acknowledge this Policy. If you disagree with it, please stop using the Services.

02Information we collect

Topic and insurance-related data. The topic you select (for instance, "reading my policy" or "what affects what drivers pay") may suggest an interest in a financial area. We treat this as sensitive. Please do not deliver us policy numbers, driver's license numbers, vehicle identification numbers, claim details, Social Security numbers, or other detailed personal or financial information through our forms or by text. We do not need it.

Social Security numbers, financial account numbers, and government ID numbers are not something we knowingly collect.

03How we use your information

• To provide the Services you request, for example sending you educational insurance information on the topics you pick.
• To send the email and text messages you opted in to, including confirmations, reminders, and notices about new educational guides.
• To honor your preferences, such as opt-outs, unsubscribes, and privacy requests.
• To keep records of your consent, as required or recommended under laws and carrier rules for text messaging.
• To respond to your inquiries and supply support.
• To run and protect the Site, make it better, and guard against fraud, spam, and abuse.
• To comply with legal obligations and enforce our Terms & Conditions.

We do not use your details to make decisions that produce legal or similarly significant effects about you, and we never make insurance, eligibility, or pricing determinations about you.

04How we share information

Your personal details is never sold. It is not "shared" for cross-context behavioral advertising.

No sharing of mobile information for marketing. We do not share your mobile phone number, text-message opt-in data, or consent records with third parties or affiliates for their marketing or promotional purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent are not shared with any third parties except as described in this section.

No partner sharing. We do not sell, rent, or share your personal details, among them your name, contact details, ZIP code, or interests, with insurance companies, agents, brokers, comparison or quote sites, recruiters, lead-generation companies, or any other third-party partners, and we are not paid by anyone for your information. We share information only in these limited situations:

• Service providers. Vendors that act on our behalf and under contract, such as website hosting, email delivery, customer-relationship software, form processing, and SMS platforms and the carriers or aggregators that deliver text messages. They may use your information only to offer services to us, and not for their own marketing.
• Legal and safety. When mandated by law, subpoena, or legal process, or to protect the rights, safety, and property of you, us, or others.
• Business transfers. If The Nelson M Group LLC is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction, subject to this Policy. Mobile opt-in data will not be transferred to a buyer for its own marketing without your consent.
• De-identified or aggregate data. We may use details that cannot reasonably identify you for analysis and reporting.

05Text messaging (SMS)

If you opt in, we deliver text messages for the program Radiatova Weather Notes. We use your mobile number only to deliver those messages and to administer the program. See our SMS Terms for message types, frequency, costs, and how to opt out.

• Text consent is optional and is not a condition of purchase or of using the Services.
• Educational text consent is gathered through a separate, unchecked box.
• Reply STOP at any time to opt out. Reply HELP for help.
• Message frequency varies. Message and data rates may apply.

06Text messages: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 877-550-3935.

Mobile information and text-message opt-in data are not sold or shared. We do not sell, rent, or share mobile phone numbers, text-message opt-in data, or consent records with third parties or affiliates for marketing or promotional purposes. Service providers (such as our messaging platform and carriers) may handle this information only to deliver messages and operate the program for us.

07Cookies, analytics, and similar technologies

We use only the cookies and similar technologies needed to operate the Site and retain it secure. We serve fonts and images ourselves instead of loading them from third parties. No advertising or cross-site tracking cookies are used.

If we enable privacy-focused analytics in the future (say, counts of page views), we will use it only to understand how the Site performs, and we will update this section. You can control cookies through your browser settings. We honor the Global Privacy Control (GPC) signal as a request to opt out of sale or sharing where applicable. Because we will not sell or share personal data, there is nothing further to opt out of.

08Your choices

• Text messages: reply STOP to any text.
• Email: use the unsubscribe link in any email or write to [email protected].
• Update or correct your information: contact us at the address below.
• Delete your information: tell us, and we'll erase it unless we need to keep it for the reasons described under "Retention."

Leaving one channel does not remove you from the rest. Tell us if you'd like to opt out of everything.

09Retention

Personal information is kept only as long as the uses in this Policy call for, including to respect opt-outs and to meet legal and recordkeeping requirements. As a general guide:

• Contact details and preferences: until you ask us to erase them or you have been inactive for 24 months, whichever comes first.
• Text-message consent records and opt-out records: kept for at least 4 years after your last interaction, so we can show you consented and respect your opt-out.
• Support messages: up to 3 years.
• Server logs: up to 12 months.

Once it is no longer needed, we remove it or strip out identifying details.

10Security

We use reasonable administrative, technical, and physical safeguards, among them encryption in transit (HTTPS), access controls, and vendor due diligence. No method of transmission or storage is completely secure, and we make no guarantee of absolute security. Text messages are not encrypted, so we ask that you never reply with sensitive personal or policy information.

11Your privacy rights (California and other states)

Depending on where you live (including California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia), you may have the right to:

• Know and access the personal data we hold about you, and the categories of sources and recipients.
• Correct inaccurate information.
• Delete your personal information, subject to legal exceptions.
• Port your information in a usable format.
• Opt out of the sale or sharing of personal information, targeted advertising, and profiling. We do none of these.
• Limit the use of sensitive personal data. We use it only to supply the Services you ask for.
• Not be discriminated against for exercising your rights.

How to make a request

Email [email protected] with the subject "Privacy Request," or write to us at the address below. We will verify your identity by matching information you provide against what we hold, and we reply within 45 days (we may extend once by up to 45 more days with notification). An authorized agent may submit a request on your behalf with your in writing permission. If we deny a request, you may appeal by replying to our decision, and you may contact your state attorney general.

California disclosures

In the past 12 months we have collected the categories of data listed in Section 2 for the reasons listed in Section 3, and shared them only to service providers (Section 4). We have not sold or shared personal details. California residents may also request information about disclosures of personal data to third parties for their direct marketing purposes (California "Shine the Light" law). We make no such disclosures. We will not knowingly sell or share the personal details of anyone under 16.

Nevada

Nevada residents may ask us to stop any sale of covered details. We never sell covered data.

12Children's privacy

Adults 18 or older are the intended audience for the Services. We do not knowingly gather personal information from anyone under 18, and the Services are not aimed at children. Think a child has sent us personal data? Contact us and we will erase it.

13Consent to communications and the TCPA

We send educational text messages through automated technology only after you give prior express written consent by checking the separate, unchecked SMS consent box on our forms or by texting START to 877-550-3935. Your consent is not required to use the Services or to buy anything, and you can revoke it at any time by replying STOP, or by any other reasonable means, such as emailing [email protected]. We follow opt-out requests without delay. Your phone number will be used only for the purposes outlined in this Policy and the SMS Terms.

We comply with the Telephone Consumer Protection Act (TCPA), the CTIA Messaging Principles and Best Practices, and the carrier code of conduct, and we retain consent records as set out above.

14Third-party links and public resources

Our Site may link to other sites, including public and government resources such as your state insurance department or the National Association of Insurance Commissioners (NAIC). We will not control them and are not responsible for their privacy practices. Please read their policies.

15U.S. operations

The Services are intended for people based in the United States, and data is processed in the United States. If you use the Services from elsewhere, you do so at your own initiative and are responsible for local law.

16Changes to this policy

We may update this Policy from time to time. We will change the "Last updated" date above, and if changes are material we will give notice by email or on the Site. Where needed by law, we will ask for your consent again.

17Contact us

Questions, requests, or complaints about privacy? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: