Privacy Policy | Harpeth Insurance Group Inc

Effective Date: October 20, 2026

Harpeth Insurance Group Inc. ("Harpeth," "we," "us," or "our") respects your privacy.

This Privacy Policy explains how we collect, use, share, and protect information when you visit www.harpethinsurancegroup.com (the "Website"), submit a form, contact us, or communicate with us by phone, email, or text message.

1. Information. We Collect Information you provide to us. When you request a quote, submit a contact form, or communicate with us, we may collect:• Contact information, such as your name, mailing address, email address, and phone number• Information needed to quote or service insurance, such as date of birth, driver and vehicle information, property details, business information, current coverage, and prior claims history• Your communication preferences, including whether you consent to receive text messages• Any other information you choose to include in a message to usInformation collected automatically. When you visit the Website, we and our service providers may automatically collect technical information such as your IP address, browser type, device type, pages viewed, and the date and time of your visit, using cookies and similar technologies.Information from other sources. To provide quotes and service policies, we may receive information from insurance companies we represent, consumer reporting agencies (for example, motor vehicle and claims history reports), and other parties as permitted by law.

2. How We Use Information. We use the information we collect to:• Respond to your inquiries and provide insurance quotes• Submit applications to, and obtain coverage from, insurance companies on your behalf• Service your policies, including renewals, changes, billing questions, and claims assistance• Send appointment reminders, follow-up messages, and other communications you have requested• Operate, maintain, and improve the Website• Comply with legal and regulatory obligations and protect our rights

3. How We Share Information. We do not sell your personal information. We share information only as described below:• Insurance companies. We share information with the insurance companies we represent as needed to obtain quotes, issue coverage, and service your policy.• Service providers. We use vendors who perform services for us, such as our agency management system, phone and text-messaging platforms, email, and website hosting. They may use your information only to provide those services to us.• Legal and regulatory reasons. We may disclose information when required by law, subpoena, or regulatory request, or to protect the rights, property, or safety of Harpeth, our clients, or others.• Business transfers. If our agency is sold, merged, or reorganized, information may be transferred as part of that transaction, subject to this Privacy Policy.

4. SMS / Text Messaging Privacy. Mobile opt-in, SMS consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.Text messaging originator opt-in data and consent will not be shared with any third parties, except service providers who help us deliver text messages. You may opt out of text messages at any time by replying STOP. For help, reply HELP. For complete details, see our SMS Terms & Conditions on our [Terms and Conditions] page.

5. Nonpublic Personal Information. As an insurance agency, we collect nonpublic personal information about our clients. We restrict access to that information to employees and service providers who need it to provide products and services to you. We maintain physical, electronic, and procedural safeguards designed to protect your information as required by applicable federal and Tennessee law. Insurance companies we represent may provide you with their own privacy notices, which govern their use of your information.

6. Cookies and Analytics. The Website may use cookies and analytics tools to understand how visitors use the site. You can set your browser to refuse or delete cookies; some Website features may not work properly if you do.

7. Data Security and Retention. We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security. We keep information as long as needed to provide services to you and to meet legal, regulatory, and record-keeping requirements.

8. Your Choices. Text messages: Reply STOP to any text to opt out, or leave the SMS consent box unchecked on our forms.• Email: Use the unsubscribe link in any marketing email or contact us.• Access or correction: Contact us to review or correct the personal information we hold about you, subject to legal limits.

9. Children's Privacy. The Website is not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the Website.

10. Links to Other Websites. The Website may link to insurance company and other third-party websites. We are not responsible for their content or privacy practices.

11. Changes to This Privacy Policy. We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new Effective Date.

12. Contact Us. Harpeth Insurance Group 237 Old Hickory Blvd Ste 200 Nashville, TN 37221 Phone: (629) 777-3734 | Alt: (629) 287-8857.

Website: www.harpethinsurancegroup.comTerms and ConditionsEffective Date: October 20, 2026.

Terms and Conditions

By using www.harpethinsurancegroup.com (the "Website") or communicating with Harpeth Insurance Group Inc. ("Harpeth," "we," "us," or "our"), you agree to these Terms and Conditions. Information on the Website is for general informational purposes only. It is not an offer of insurance, a binder, or a guarantee of coverage. Coverage is not bound until confirmed in writing by Harpeth or the insurance company, and all coverage is subject to the terms, conditions, and exclusions of the policy issued. Submitting a quote request does not create coverage.SMS Terms & Conditions

1. SMS Consent Communication. Information (phone numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications. If you have consented to receive text messages from Harpeth Insurance Group, you may receive messages related to the following:• Appointment reminders• Follow-up messagesExample: "Thank you for reaching out to Harpeth Insurance Group. We've received your inquiry and are working on a solution. Our team will update you within 1 business day. For any further questions, feel free to reply or contact us at (629) 777-3743."

3. Message Frequency. Message frequency may vary depending on the type of communication. For example, you may receive up to 10 SMS messages per week related to appointments, billing, and similar matters.

4. Potential Fees for SMS Messaging. Standard message and data rates may apply, depending on your carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method. You may opt in to receive SMS messages from Harpeth Insurance Group in the following way: We get consent by we ask them verbally or via phone call.

6. Opt-Out MethodYou may opt out of receiving SMS messages at any time by replying "STOP" to any SMS message you receive. Alternatively, you may contact us directly at (629) 777-3743 or (629) 287-8857 to request removal from our messaging list.

7. Help. For any issues, reply with the keyword HELP. Alternatively, you can get help directly from us at (629) 777-3743 or (629) 287-8857, or www.harpethinsurancegroup.com.Additional Options: If you do not wish to receive SMS messages, you may leave the SMS consent box unchecked on our forms. Consent to receive text messages is not a condition of purchasing any product or service.

8. Standard Messaging Disclosures. Message and data rates may apply.• You can opt out at any time by texting "STOP."• For assistance, text "HELP" or visit our [Privacy Policy] and [Terms and Conditions] pages.• Message frequency may vary.Limitation of LiabilityThe Website is provided "as is." To the fullest extent permitted by law, Harpeth is not liable for damages arising from your use of the Website or from delayed, undelivered, or misdirected text messages, which may be affected by factors outside our control, including wireless carriers.Governing LawThese Terms and Conditions are governed by the laws of the State of Tennessee.ChangesWe may update these Terms and Conditions from time to time. The updated version will be posted on this page with a new Effective Date.