Privacy Policy

Effective Date: May 28, 2025
Company: Sunny Street Inc.
Website: https://www.sunnystreetfinancial.com
Contact Email: michelle@calvinins.com
Phone Number: 877-235-4239

1. Introduction

Sunny Street Inc. (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website, request insurance or financial services, or communicate with us—including via SMS messaging.

By using our services, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We may collect the following types of information:

A. Personal Information

  • Name

  • Mailing address

  • Email address

  • Phone number (including mobile number)

  • Date of birth

  • Insurance details (policy, coverage, claims information)

  • Financial information submitted for quotes or services

B. Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address

  • Browser type and settings

  • Device type

  • Pages visited

  • Cookies and tracking pixels

C. SMS Information (Grasshopper-Compliant)

When you opt in to our SMS program, we collect:

  • Your mobile phone number

  • SMS opt-in/opt-out status

  • Message logs (time, date, delivery status)

  • Keywords used for opt-in (“JOIN,” etc.)

We do not collect the content of messages sent to you by carriers beyond what is necessary to comply with legal or operational requirements.

3. How We Use Your Information

We use collected information to:

A. Provide Insurance & Financial Services

  • Generate quotes

  • Manage policies

  • Provide customer service

  • Process billing and payments

  • Assist with claims

  • Respond to inquiries

B. Send Electronic Communications, Including SMS

You may receive:

  • Customer support replies

  • Appointment reminders

  • Billing or account notifications

  • Marketing or promotional messages (only if you opt in)

  • General information alerts

You will receive promotional and informational SMS messages. Message and data rates may apply.

You will receive account alerts and promotional offers via SMS.

Text STOP to unsubscribe from SMS messages.

Text HELP for assistance with SMS messages.

C. Improve Our Services

  • Analyze website performance

  • Enhance communication channels

  • Maintain internal business records

D. Ensure Legal and Regulatory Compliance

As required by insurance law, financial regulations, and carrier guidelines.

4. How We Share Your Information

Sunny Street Inc. does not share, sell, or rent your personal or mobile information with third parties for marketing purposes, even with your consent. We do not transfer your personal information to any external organizations under any circumstances, even with your consent. Strict internal policies and technical safeguards are in place to prevent unauthorized access or sharing of data. Information collected through SMS communications is used solely to provide the services described in our Terms & Conditions.

We may share information only with:

A. Service Providers

Such as:

  • SMS platforms (e.g., Grasshopper)

  • Payment processors

  • Insurance carriers

  • IT and security providers

  • Customer support tools

These providers may only use your data to perform services on our behalf.

B. Legal Requirements

We may disclose information to comply with laws, regulations, subpoenas, or lawful requests.

5. SMS Privacy & Compliance

This section is required for SMS registration approval.

A. Opt-In Consent

By texting a designated keyword or providing your mobile number, you authorize Sunny Street Inc. to send SMS messages as described in our Terms & Conditions.

B. Opt-Out

You may opt out at any time by replying STOP.
You may request help by replying HELP.

C. Message Frequency

Up to 6 messages per month (varies based on engagement).

D. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

E. Marketing Disclosure

Your consent to receive marketing SMS messages is not a condition of purchase.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to improve website performance, personalize content, and analyze usage. You may disable cookies through your browser settings, but some website features may not function properly.

7. Data Security

We take reasonable administrative, technical, and physical measures to protect your information from unauthorized access, misuse, or disclosure.
However, no system is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law (insurance regulations, recordkeeping requirements, etc.).

9. Children's Privacy

Our services are not intended for children under 13. We do not knowingly collect personal information from minors.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes are effective immediately upon posting to our website. Please review it regularly.

11. Contact Us

If you have questions about this Privacy Policy, our SMS program, or how we handle your data, please contact:

Sunny Street Inc.
📍 PO Box 755, Howell, MI 48843
📞 877-235-4239
✉️ michelle@calvinins.com
🌐 https://www.sunnystreetfinancial.com