Privacy Policy

Effective Date: October 15, 2015

Welcome to AG-Risk.com (“AG-Risk,” “we,” “us,” or “our”). We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you visit our website, communicate with us, or use our services.

By using this website, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of the site.

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1. Scope and Purpose

This Privacy Policy applies to all information collected through AG-Risk.com, whether you interact with us online, by email, by phone, or in person. It covers information used to provide our products and services, respond to inquiries, and operate our business efficiently and lawfully.

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2. What Personal Information We Collect

We may collect the following types of information:

• Contact details: name, email address, phone number, mailing address.

• Business details: company name, role, or agricultural operation information when applicable.

• Account information: login credentials, passwords (encrypted), preferences.

• Transaction information: billing details, invoices, payment confirmations.

• Technical information: IP address, browser type, operating system, device identifiers, referring URLs, and pages viewed.

• Communications: messages you send to us via forms, email, or text.

• Cookies and analytics: information collected automatically to improve performance and user experience.

We only collect what is necessary for legitimate business purposes, as described below.

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3. How We Collect Information

We gather information in three main ways:

1. Directly from you — when you fill out forms, request information, subscribe to updates, or communicate with us.

2. Automatically — through cookies, analytics tools, and similar technologies that track site usage.

3. From third parties — such as service providers or partners that help us deliver our services (for example, payment processors or analytics providers).

You can manage cookie preferences in your browser, though disabling cookies may affect your browsing experience.

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4. How We Use Your Information

We use your personal information to:

• Operate and maintain our website and services.

• Process inquiries, requests, and transactions.

• Communicate with you regarding products, updates, or account-related information.

• Send educational or marketing materials (only with your consent).

• Analyze and improve our website, marketing, and customer experience.

• Comply with legal, accounting, and regulatory obligations.

• Protect against fraud, misuse, or unauthorized access.

We do not use your information for unrelated purposes without your explicit consent.

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5. Sharing and Disclosure

We do not sell your personal information. However, we may share data in limited situations:

• Service providers: trusted third parties who help operate our business (e.g. hosting, analytics, email delivery, payment processing).

• Legal compliance: when required by law, subpoena, or regulatory request.

• Business transfers: if AG-Risk undergoes a merger, acquisition, or sale, information may be part of that transaction.

• Protection: when necessary to prevent fraud, enforce our terms, or protect the rights and safety of users or the public.

• Aggregated or anonymized data: for research or statistical purposes that cannot identify you.

All partners and contractors are required to maintain confidentiality and data protection standards consistent with this policy.

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6. Mobile Opt-In & SMS Consent

AG-Risk may offer the option to receive SMS text messages. By voluntarily providing your mobile phone number and opting in, you consent to receive text messages from us for purposes such as:

• Account updates, confirmations, or reminders.

• Service notifications or important information related to your interactions with AG-Risk.

• Occasional customer support follow-ups or information requests.

We will never sell, rent, or share your phone number with third parties or affiliates for marketing purposes.

You can opt out at any time by replying STOP to a text message you receive or by contacting us directly using the details below. Standard message and data rates may apply.

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7. International Data Transfers

If you are accessing our website from outside the country where our servers are located, your data may be transferred internationally. We take appropriate steps to ensure your information is handled securely and in accordance with this Privacy Policy, regardless of where it is processed.

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8. Retention of Information

We retain personal information only as long as necessary to fulfill the purposes described in this policy, including for legal or accounting obligations. When data is no longer needed, we delete or anonymize it safely.

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9. Your Rights and Choices

Depending on your jurisdiction, you may have rights such as:

• Accessing the personal information we hold about you.

• Requesting correction or deletion of your data.

• Withdrawing consent for marketing communications.

• Restricting or objecting to certain processing activities.

• Lodging a complaint with your local privacy authority.

To exercise your rights, please contact us using the details in Section 13. We may need to verify your identity before processing your request.

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10. Security

We use industry-standard safeguards to protect your information, including encryption, access control, secure servers, and monitoring for unauthorized access. While we take these precautions seriously, no system is completely secure, and we cannot guarantee absolute protection.

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11. Children’s Privacy

AG-Risk.com is not directed toward children under 13, and we do not knowingly collect personal data from them. If you believe a child has provided information to us, please contact us immediately so we can delete it.

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12. Third-Party Links

Our website may contain links to external sites or services that we do not control. We are not responsible for their privacy practices. We encourage you to review their privacy policies before providing any information.

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13. Updates to This Policy

We may update this Privacy Policy periodically to reflect operational, legal, or regulatory changes. The revised policy will be posted here with a new effective date. Continued use of AG-Risk.com after updates indicates acceptance of the new terms.

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14. Contact Us

If you have any questions, requests, or concerns about this Privacy Policy or how we handle your information, please contact us:

AG-Risk