Privacy Policy & Terms

Privacy policy

This policy describes how Koka Group LLC, doing business as The Koka Group ("we," "us"), handles information collected through this website and in the course of quoting and servicing insurance.

What we collect

Information you give us through our forms, by phone, text, or email: name, contact details, ZIP code, the coverage you're interested in, and details needed to quote a policy (for example, vehicles, drivers, property information, current carrier, and renewal dates).
Information from third parties needed to quote or place coverage, such as motor vehicle records, claims history reports, and property data, obtained with your permission where required by law.
Basic technical information your browser sends when you visit, such as IP address and browser type. This site does not use advertising cookies or tracking pixels. Fonts are loaded from Google Fonts, which may log your IP address under Google's privacy policy.

How we use it

To prepare quotes, place and service your policies, and respond to your requests.
To contact you about your quote or policy by phone, text, or email — including automated texts if you've given consent.
To meet legal, regulatory, and carrier requirements.
To improve this website and our service.

How we share it

We share your information only as needed to do the job you've asked us to do:

Insurance carriers and wholesalers to obtain quotes and issue and service policies.
Service providers that help us operate — for example, our form-delivery provider, rating software, and agency management system — who may only use your information to provide services to us.
Lenders, title companies, and landlords when you ask us to send proof of coverage.
Regulators or law enforcement when required by law.

We do not sell your personal information, and we don't share it with third parties for their own marketing.

Text messaging (SMS) consent

By providing your mobile number and checking the consent box on a form, or by texting us, you agree to receive texts from The Koka Group about your quote, policy, and related service. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out and HELP for help. Consent to texts is not a condition of purchasing any product. Mobile information will not be shared with third parties or affiliates for marketing purposes.

Your choices

You can ask us to update or correct your information at any time.
You can opt out of marketing communications by telling us, replying STOP to a text, or using the unsubscribe link in an email.
You may request a copy of the information we hold about you or ask us to delete it, subject to legal and regulatory record-keeping requirements.

Security

We use reasonable administrative and technical safeguards to protect your information. Please don't send Social Security numbers, driver's license numbers, or payment details through our web forms — we'll collect anything sensitive over a secure channel when it's actually needed.

Children

This site is not directed to children under 13, and we don't knowingly collect information from them.

Changes

We'll post any changes to this policy here with a new effective date.

Contact

Questions about privacy? Email thekokagroup@gmail.com or use the contact page.

Terms of use

By using this website you agree to these terms.

Information only. Content on this site is general information about insurance and our services. It is not legal, tax, or financial advice, and it is not an offer of coverage. Actual coverage is governed solely by the terms of the policy issued by the carrier.
No coverage is bound online. Submitting a form does not purchase, change, or cancel insurance. Coverage is not in effect until confirmed in writing by the agency or the carrier. Do not use this website to report a claim — contact your carrier's claims line and then let us know.
Quotes are estimates. Any premium quoted is based on the information provided and is subject to carrier underwriting and verification. Final premium may differ.
Accuracy. We try to keep this site accurate and current, but we don't guarantee it, and we may change it at any time.
Third-party links and services. We aren't responsible for the content or privacy practices of other sites or services.
Intellectual property. The Koka Group name, logo, and site content are ours and may not be used without permission.
Limitation of liability. To the fullest extent permitted by law, The Koka Group is not liable for any loss arising from your use of this site or reliance on its content.
Governing law. These terms are governed by the laws of the State of Michigan.

Licensing & disclosures

Koka Group LLC, doing business as The Koka Group, is an independent insurance agency licensed by the Michigan Department of Insurance and Financial Services (DIFS). License information is available on request.
We are an independent agency and may receive commissions from the insurance carriers whose policies we place. Our recommendations are based on your needs, and you are never obligated to purchase.
Insurance products are underwritten and issued by the carriers we represent, not by The Koka Group. Availability, coverage, and pricing vary by carrier, product, and state.
Life insurance products are offered through appropriately licensed producers and are subject to the carrier's underwriting.