Privacy Policy
Effective October 14, 2026 · Skarb Group LLC (DBA SKARB) · skarbcrm.com
Skarb is a lead-generation and client-management platform (CRM) for commercial insurance agencies, built and operated by Skarb Group LLC, doing business as SKARB ("Skarb," "we," "us"). This policy explains what information Skarb handles and how. Questions or requests: hello@skarbcrm.com. See also our Terms of Service and Mobile Messaging Terms.
Who this policy covers
- Agency users — insurance agencies and their staff who hold a Skarb account.
- Prospects and clients of those agencies — trucking companies and the people who run them, whose information an agency enters in Skarb or who contact an agency through a Skarb-hosted quote, opt-in, certificate, or document page.
Each agency that uses Skarb is the business you are dealing with; Skarb processes information on that agency's behalf. Where an agency publishes its own privacy notice for text messaging (at skarbcrm.com/sms/<agency>/privacy), that notice and this policy apply together.
Information we collect
- Account information — name, email address, agency name, phone number, and login credentials (passwords are stored only as salted cryptographic hashes).
- Business records agencies create — leads, prospects, clients, policies, drivers, vehicles, documents, notes, call recordings and transcripts, text-message threads, and tasks.
- Public government data — carrier and business information drawn from public sources such as FMCSA and state open-data portals, used to populate lead records.
- Information you submit on a Skarb-hosted page — details a prospect or client enters on an agency's quote-request, SMS opt-in, certificate, or document page, including electronic-signature and consent records (name, date, time, IP address, browser, and the exact consent text shown).
Text messaging (SMS/MMS)
Insurance agencies that use Skarb may send SMS/MMS text messages to a person only after that person opts in — for example by checking the consent box on an agency's quote page or web opt-in form, by giving verbal consent during a phone call with the agent (logged with the call), or by texting the agency first. Messages relate to insurance quotes, policy servicing, certificates of insurance, renewals, documents the agency needs, and appointment or callback reminders. They are one-to-one conversational messages between the agency and its own prospects or clients. Skarb itself may also text agency users account notices such as login codes and alerts they turned on.
- Message frequency varies with your interactions with the agency.
- Message and data rates may apply.
- Reply STOP at any time to opt out; reply HELP for help. Opting out of texts does not affect any insurance policy or quote.
- Consent to receive text messages is never a condition of purchasing insurance or any other product or service.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information described in this policy exclude text-messaging originator opt-in data and consent; this information will not be shared with, sold to, or used by any third party, affiliate, or lead generator. Phone numbers and SMS consent records are used only by the agency you opted in with, to communicate with you about your own insurance business.
Full program terms: Mobile Messaging Terms.
Google user data
If an agency user connects a Google account, Skarb requests only these scopes:
- gmail.send — used solely to send emails that you compose or explicitly approve, from your own address. This scope cannot read your inbox, and Skarb never reads, stores, or analyzes your email messages.
- calendar.events — used solely to create and remove calendar events for tasks you create in Skarb.
OAuth tokens are stored server-side, used only for the purposes above, and deleted when you disconnect Google in Settings. Skarb's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
How information is used
- To operate the platform for agencies: lead management, document generation, reminders, certificates, calling, texting, and emailing that an agency initiates.
- To send email, text messages, and calendar events only at the agency's direction (a clicked send, a scheduled reminder, a sequence the agency started) and only to people who have consented.
- To keep consent, signature, and opt-out records as compliance evidence.
- Never for advertising by Skarb. We do not sell personal information.
Sharing and service providers
Skarb shares information only (a) with the agency you are dealing with and its staff, (b) with insurance carriers, managing general agents, and underwriters when a prospect authorizes an agency to request quotes on its behalf, and (c) with service providers that process data on our behalf to deliver a feature the agency invoked — for example Google (email/calendar), Twilio (calling and text-message delivery), Smartlead (email campaigns), Momentum AMP (agency management sync), and Anthropic (AI-assisted drafting and document reading). Each receives only what is needed for that feature, under its own privacy terms, and may not use it for its own purposes. None of them, and no other third party or affiliate, receives mobile numbers or SMS consent records for marketing or promotional purposes. We may also disclose information when the law requires it.
Security
Data is transmitted over HTTPS and stored on access-controlled servers with nightly encrypted off-site backups. Sessions use signed, expiring tokens. API keys and OAuth tokens are held server-side and are never exposed to other users or agencies.
Retention & deletion
Records are retained while the agency's account is active. Signed consent, authorization, and opt-out records are retained as compliance documents. To delete an account, a record, or your personal information, email hello@skarbcrm.com (or contact the agency you dealt with) and we will act on the request promptly, subject to legal retention requirements.
Your choices
- Text messages: reply STOP to any message to opt out; reply HELP for help.
- Calls and email: tell the agency, or email us, and we will mark the record accordingly.
- Access or correction: email hello@skarbcrm.com.
Children
Skarb is a business-to-business service and is not directed to anyone under 18.
Changes
If this policy changes materially, the effective date above will be updated and active accounts will be notified in-app or by email.
Contact
Skarb Group LLC (DBA SKARB) · hello@skarbcrm.com · skarbcrm.com