Legal
Privacy Policy
Learn how Rob Tibbs Agency collects, uses, and safeguards personal information shared through this website and during insurance inquiries.
Information We Collect
How We Handle Data
Effective Date: June 1, 2026
Tibbs Financial Services DBA Rob Tibbs Agency (“we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website to request quotes, manage claims, or navigate carrier payments in Arizona.
Geographic Limitation
Our services and this website are intended solely for residents of the State of Arizona. We do not knowingly collect information from or offer insurance products to individuals residing outside of Arizona.
Information We Collect
Technical & Analytics Data: IP address, cookies, device identifiers, and browsing activity collected automatically via Google Analytics.
Personal Data: Name, email, Arizona residential or business address, phone number, date of birth, and Social Security Number (where required for credit scoring).
Underwriting Data: Arizona driving records (MVRs), vehicle VINs, Arizona property addresses, business entity details, and medical/lifestyle history for life insurance.
Use and Protection
Your Privacy Choices
How We Use Your Information
- To obtain auto, home, commercial, and life insurance quotes.
- To submit applications to insurance carriers on your behalf.
- To assist you with filing claims and initiating carrier payments.
- To send automated communications regarding your quotes, policy alerts, and payment reminders.
Google Analytics & Cookies
We use Google Analytics to understand website traffic and user behavior. Google Analytics uses cookies to collect standard internet log information and visitor behavior. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
Automated SMS and Email Communications
By providing your phone number and email address, you expressly consent to receive automated text messages (SMS) and emails from us. These include quote alerts, policy updates, and payment reminders.
- Carrier Costs: Message and data rates may apply.
- Opt-Out: You can opt out of SMS communications at any time by replying “STOP”. You can opt out of automated emails by clicking the “Unsubscribe” link.
- No Sharing: Mobile information shared for SMS consent will not be shared with third parties or affiliates for marketing purposes.
Sharing Your Information
We never sell your data to third parties. We share your information strictly with licensed insurance carriers, underwriters, and the Arizona Department of Insurance if legally required.
Terms and Conditions
Effective Date: June 1, 2026
Welcome to Tibbs Financial Services DBA Rob Tibbs Agency. By accessing this website, you agree to comply with these Terms and Conditions.
Governing Law and Jurisdiction
These terms are governed by and construed in accordance with the laws of the State of Arizona. Any legal actions or disputes arising from the use of this website must be filed in a court of competent jurisdiction within Arizona.
Territorial Restrictions
The insurance products and services featured on this website are directed strictly to individuals and businesses located in Arizona. We make no representation that the materials or insurance products on this website are appropriate or available for use outside of Arizona.
No Binding Coverage
Submitting a quote request, sending an email, or submitting a claim form through this website does not bind, alter, or initiate insurance coverage. Coverage is only bound when you receive written confirmation directly from an authorized agent.
Automated Text Messaging (SMS) & Email Terms
By opting into our services, you agree to receive automated text messages and emails for quote alerts and payment reminders.
- Frequency: Message frequency varies based on your interactions and policy renewals.
- Liability: We are not liable for delayed or undelivered messages.
- Opt-Out: Reply STOP to cancel SMS alerts. Text HELP for customer support.
Payment Assistance Disclaimer
We assist clients by providing direct links or navigation guidance to insurance carrier payment portals. [Agency Name] is not responsible for late payments, cancelled policies, or transaction errors occurring on third-party carrier websites. It is your responsibility to verify that your payment was successfully processed by the carrier.
Claims Reporting Disclaimer
Submitting claim details through our website does not guarantee that the carrier has accepted the claim. We act as an intermediary to help route your claim information to the carrier. Final claim decisions are made solely by your insurance provider.
Accuracy of Information & Fraud Notice
You must provide true and accurate details. Providing false information to secure auto, home, commercial, or life insurance violates Arizona law (A.R.S. § 20-466.01) and constitutes insurance fraud, which can void your coverage and lead to criminal prosecution.
Limitation of Liability
We provide this website on an “as-is” basis. We are not liable for any technical errors, portal downtime, or inaccuracies in quick quotes.