Privacy Policy
Last updated: October 15, 2026
This Privacy Policy explains how Lucycobra LLC DBA Del Toro Insurance (“Del Toro Insurance,” “we,” “us”) collects, uses and shares information when you visit this website, request a quote, or contact us by phone, text message (SMS), WhatsApp, live chat or email.
Who we are
Lucycobra LLC DBA Del Toro Insurance, 629 Beville Rd, South Daytona, FL 32119. Phone: (386) 210-1100. Email: dannyruiz@deltoroinsurance.com.
Information we collect
Information you give us. When you fill out a quote form, call, text, message us on WhatsApp or use live chat, you may give us your name, phone number, email, mailing or property address, date of birth, driver’s license details, vehicle information, property and business details, current insurance and loss history, and anything else you choose to share. Please do not send Social Security numbers, bank or card numbers through the website form or chat.
Information collected automatically. Like most websites, we and our service providers collect technical information such as IP address, browser and device type, pages viewed, the page that referred you, campaign tags in links (UTM parameters and ad click identifiers), and approximate location derived from your IP address.
Information from others. To quote and service insurance, we may receive information from insurance carriers, rating tools, motor vehicle and claims-history reports, and inspection providers, as permitted by law.
How we use information
- To prepare insurance quotes, place and service policies, and answer your questions
- To contact you about your request by phone, text, WhatsApp or email
- To keep records required for insurance agency operations and by law
- To understand which pages and campaigns bring people to us and improve the website
- To measure the performance of our advertising
- To protect against fraud and keep the website secure
Service providers and tools we use
We use service providers that process information for us under their own terms and privacy policies, including:
| Provider | What it does for us |
|---|---|
| HubSpot | Hosts our quote forms and stores contact and request details in our customer database |
| respond.io | Runs the website live chat and helps us manage chat and messaging conversations |
| WhatsApp (Meta) | Carries messages you send us on WhatsApp |
| Google Analytics, Google Tag Manager and Google Ads | Website analytics, tag management and ad measurement |
| Meta Pixel | Measures the results of our Facebook and Instagram ads |
| Website hosting and security providers | Run and protect the website |
We share information with insurance carriers, wholesalers and other parties needed to quote, place or service your insurance, and when required by law or to protect rights and safety. We do not sell your personal information.
Text messages (SMS) and mobile information
If you give us your mobile number and agree to receive texts, we use it to communicate about your quote or policy. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time and HELP for help.
Mobile phone numbers and SMS consent information are not sold or shared with third parties or affiliates for their own marketing or promotional purposes. Information may be shared with service providers that help us send messages, solely to provide that service.
Phone calls
Calls may be recorded or logged for quality, training and record-keeping where permitted by law. If a call is recorded, you will be told at the start of the call where the law requires notice.
Cookies, analytics and advertising
We use cookies and similar technologies for the website to work, to understand how it is used, and to measure our advertising on Google and Meta. Where we show a cookie banner, analytics and advertising cookies load only after you accept them; you can change your choice by clearing this site’s data in your browser. You can also limit ad personalization in your Google and Meta account settings, and use browser controls to block or delete cookies.
Our analytics and advertising events are designed not to include your name, phone number, email or other form contents.
How long we keep information
We keep information for as long as needed to provide quotes and service, and for the periods required by insurance and record-keeping laws. When it is no longer needed, we delete or de-identify it.
Security
We use reasonable administrative, technical and physical safeguards. No method of transmission or storage is completely secure, so please avoid sending highly sensitive numbers through web forms, chat or email.
Your choices and rights
You can ask us to access, correct or delete information we hold about you, or to stop contacting you, by emailing dannyruiz@deltoroinsurance.com or calling (386) 210-1100. Depending on where you live, you may have additional rights under state law. We will verify your request and respond as required by applicable law. Some information must be kept to meet insurance regulations.
To opt out of texts, reply STOP. To opt out of emails, use the unsubscribe link or contact us.
Children
This website is not directed to children under 13, and we do not knowingly collect their personal information.
Changes
We may update this policy. The “last updated” date at the top shows when it last changed.
Contact
Lucycobra LLC DBA Del Toro Insurance, 629 Beville Rd, South Daytona, FL 32119 — (386) 210-1100 — dannyruiz@deltoroinsurance.com.