Privacy Policy

Effective date: September 28, 2026

The Michels Agency ("we," "us," or "our") is an independent contractor agency representing Farmers Insurance, located at 30 Daniel Webster Hwy, Suite 4, Merrimack, NH 03054. This Privacy Policy explains what information we collect through themichelsagency.com (the "Site"), our online forms, phone calls, emails, and text messages, and how we use and protect it.

1. Information We Collect

Information you give us, such as when you request a quote, schedule a review, call, email, or text us:

• Name, email address, phone number, mailing address, and ZIP code
• Details needed to quote coverage, such as dates of birth, driver's license information, vehicle, property, and business details, and current insurance information
• Anything else you choose to share with us in a message or conversation

Information collected automatically when you visit the Site, such as IP address, browser and device type, pages viewed, referring website, and the date and time of your visit. This is collected through cookies and similar technologies.

Information from others, when permitted by law and needed to quote or underwrite coverage, such as motor vehicle records, claims history, and insurance scores obtained through Farmers Insurance and its partners.

2. How We Use Your Information

• To prepare insurance quotes and coverage recommendations
• To contact you by phone, email, or text message about your request, quote, or policy
• To service your policies, process changes, and help with claims
• To send reminders, renewal notices, and, if you agree, occasional helpful updates about coverage (you can opt out at any time)
• To operate, secure, and improve the Site
• To meet legal, regulatory, and Farmers compliance requirements

3. How We Share Your Information

We do not sell your personal information. We share it only as needed to serve you:

• Farmers Insurance and its affiliated insurers, to quote, underwrite, issue, and service your policy. Once you become a Farmers customer, the Farmers privacy notice also applies to your policy information.
• Service providers who help us run our business, such as our website, customer-relationship, email, phone, and texting platforms. They may use your information only to perform services for us.
• Legal and regulatory purposes, when required by law, court order, or insurance regulators, or to protect our rights or the safety of others.

4. Text Messaging (SMS)

If you give us your mobile number and agree to receive text messages, we may text you about your quote, appointments, policy service, and account updates. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except service providers that deliver our messages. Consent to receive text messages is not a condition of any purchase.

5. Cookies and Analytics

The Site uses cookies and similar tools to remember your preferences, understand how visitors use the Site, and measure how well our advertising works. These tools may be provided by third parties such as Google or Meta. You can block or delete cookies in your browser settings; parts of the Site, including quote forms, may not work properly if you do.

6. How We Protect Your Information

We use reasonable administrative, technical, and physical safeguards to protect your information, and we limit access to team members and providers who need it to do their jobs. No website or internet transmission is completely secure, so please don't send highly sensitive information, such as Social Security or bank account numbers, through website forms or unencrypted email. Call us instead.

7. How Long We Keep Information

We keep information as long as needed to provide quotes and service, and as required by insurance regulations and Farmers record-keeping rules.

8. Your Choices and Rights

• Email: use the unsubscribe link in any marketing email.
• Text: reply STOP to any text message.
• Phone: ask us to place you on our internal do-not-call list.
• Access or correction: contact us to review or correct the information we hold about you. Depending on the state you live in, you may have additional rights under state insurance or privacy laws, and we will honor them as required.

9. Children's Privacy

The Site is not directed to children under 18, and we do not knowingly collect personal information from them through the Site.

10. Links to Other Websites

The Site links to other websites, including Farmers.com and Google. We are not responsible for their privacy practices; please review their policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page shows when it was last changed.