Privacy Policy

Crossroads Insurance Recovery Advocates, LLC

Effective date: October 20, 2026

1. The Short Version

Crossroads Insurance Recovery Advocates, LLC (“Crossroads,” “we,” “us”) collects the information needed to evaluate, document, and pursue insurance claims for the people and businesses we represent. We use it to do that work, to run our business, and to market our services. We do not sell your personal information.

We use artificial intelligence (“AI”), and you might too. Section 5 is a mutual disclosure. It tells you how we use AI, and it sets out what we both agree to if you use AI tools to communicate with us or to prepare materials for us. In short: licensed humans make the decisions on your claim, AI drafts and assists, and anything an AI sends on your behalf is treated as sent by you.

This Policy applies to our websites, our phone lines and text messaging, our email, our client engagements, and our marketing. By using any of them, you agree to it. If you do not agree, do not use our Sites or Services.

2. Who We Are and What This Policy Covers

Crossroads Insurance Recovery Advocates, LLC is a Texas limited liability company and a public insurance adjusting firm licensed by the Texas Department of Insurance (Texas entity license no. 1924788). Our office is at 1080 W Sam Houston Pkwy N, Suite 210, Houston, Texas 77043. We may also hold public adjuster licenses in other states.

This Privacy Policy (“Policy”) covers personal information we collect through:

crossroadsinsuranceadjusters.com and any other website, landing page, web application, portal, form, or online tool we operate (together, the “Sites”);
phone calls, voicemail, text messages (SMS and MMS), email, video meetings, and in-person meetings;
our public adjusting services, from the first consultation through the close of a claim and any collections or dispute afterward (the “Services”);
our advertising and marketing, including ads on search engines, social media, and other platforms; and
information we receive from others about you in connection with a claim.

It applies to website visitors, prospective clients, clients, former clients, people who contact us on someone else’s behalf, and anyone else whose information we handle in the course of a claim (for example, a contractor, tenant, or family member named in a claim file). It does not apply to our employees or independent contractors, who receive separate notices. Job applicants are covered in Section 17.

“Personal information” means information that identifies, relates to, or could reasonably be linked to you or your household. It does not include de-identified or aggregated information, or information that is lawfully available to the public.

If you sign a public adjuster contract, engagement letter, or other written agreement with us, that agreement governs the fees and scope of our Services. This Policy governs how we handle personal information. If the two conflict on a privacy matter, this Policy controls unless the agreement says otherwise.

3. Information We Collect

We collect the categories of personal information below. What we actually collect depends on how you interact with us and what your claim requires.

Information you give us

Identity and contact details: name, mailing address, email address, phone numbers, preferred language, and your relationship to the insured property or business.
Policy and claim details: insurance carrier, policy number, claim number, policy documents, declarations pages, coverage limits, deductibles, prior claims, and your correspondence with your carrier.
Loss information: the date, cause, and description of the loss; photographs, video, and audio; floor plans; inventories of damaged contents; receipts, invoices, estimates, repair contracts, and engineering or expert reports; and information about other people connected to the loss (tenants, contractors, neighbors, witnesses).
Property and business information: ownership and occupancy, mortgage and lienholder information, and business financial records needed for a business interruption or loss-of-income claim (profit and loss statements, tax returns, payroll records, rent rolls, inventory records).
Financial and payment information: information needed to receive, endorse, and disburse claim payments, including check images, bank information for disbursements, and tax identification numbers where required for payment or tax reporting.
Identity verification: a copy of government identification when we need to verify who we are dealing with, witness a signature, or satisfy a carrier or lender requirement.
Signatures and authorizations: signed contracts, letters of representation, and authorizations for us to communicate with your carrier, lender, contractors, and other third parties.
Communications: the content of your calls, texts, emails, voicemails, chat messages, meeting recordings, and anything you upload or send us.
Marketing and survey responses, testimonials, reviews, and feedback.

Sensitive information

Claim files sometimes contain information that privacy laws treat as sensitive, for example medical information (when a loss involves medical equipment, prescriptions, an injury, or a disability-related accommodation), information about children living in the household, precise location data, or a government identification number. We collect this only when it is necessary to pursue your claim, to comply with law, or because you chose to provide it. Please do not send us sensitive information we have not asked for.

Information collected automatically

When you use the Sites or communicate with us electronically, we and our service providers automatically collect:

device and browser information (device type, operating system, browser, screen size, language settings);
IP address and the approximate location derived from it;
how you use the Sites (pages viewed, links clicked, forms started and submitted, time on page, scroll and mouse activity, the referring page, and the search terms that brought you to us);
information from cookies, pixels, tags, software development kits, and similar technologies (see Section 7); and
call metadata (caller ID, number dialed, date, time, and duration), call recordings and transcripts, text message content and delivery data, and email open and click data.

Information from other sources

Your insurance carrier, its adjusters, and its vendors (engineers, estimators, contents vendors, independent adjusting firms).
Contractors, engineers, appraisers, umpires, experts, attorneys, and other professionals working on your claim.
Mortgage companies, lienholders, property managers, and landlords.
Public records and commercial sources: county appraisal district and deed records, building permits, weather and lightning-strike data, aerial and satellite imagery, and business registrations.
Referral partners, lead generation services, advertising platforms, and data enrichment providers.
Social media platforms, review sites, and other public websites, when you interact with us there or make information public.

Information we create

We create information about you in the course of our work, such as damage assessments, repair and contents estimates, claim valuations, summaries and transcripts of conversations, notes about your file, and internal scoring that helps us prioritize and route inquiries (for example, whether a new inquiry fits the kinds of claims we handle).

4. How We Use Information

We use personal information to:

Provide the Services: evaluate your loss, investigate and document damage, prepare estimates and inventories, review policy language, prepare and present your claim, negotiate with your carrier, coordinate with contractors and experts, and receive and disburse claim proceeds.
Communicate with you: respond to inquiries, schedule inspections and meetings, send updates, and deliver documents for review and signature.
Operate our business: manage client files, bill and collect our fees, keep accounting and tax records, train staff, and maintain quality control.
Verify identity and prevent fraud: confirm who we are dealing with, detect fraudulent or inconsistent claim information, and protect our clients, our staff, and our systems.
Comply with law: satisfy our obligations under the Texas Insurance Code, Texas Department of Insurance rules, record-keeping requirements, tax law, subpoenas, court orders, and other legal process.
Market our Services: send information about our Services, run and measure advertising, understand which marketing works, and, with your consent, publish testimonials and reviews (see Section 16).
Improve our Services and Sites: analyze usage, test features, fix problems, and develop new tools and workflows, including AI-assisted tools (see Section 5).
Protect rights and safety: enforce our agreements, pursue collections, bring and defend legal claims, and respond to emergencies.
Business transactions: evaluate or complete a merger, sale, financing, or similar transaction involving some or all of our business.

We may combine information from different sources for these purposes. We may also use information for any other purpose we disclose to you at the time we collect it, or with your consent.

5. Artificial Intelligence: A Mutual Disclosure

This section is a two-way disclosure. Part A tells you how we use AI. Part B covers your use of AI with us. Part C covers what happens when both sides use AI. Part D covers de-identified data. “AI” means any machine-based system that, from the inputs it receives, generates outputs such as text, speech, images, summaries, predictions, recommendations, or decisions. It includes large language models, voice agents, chatbots, transcription tools, and AI “agents” that act on a person’s behalf.

A. How Crossroads uses AI

We use AI tools, provided by third-party AI vendors and in some cases built by us, in the following ways:

Phone and text. An AI virtual receptionist may answer our main phone line and text messages. It can greet you, identify what you need, take messages, collect basic intake information, schedule appointments, send texts, and transfer you to a team member. The receptionist identifies itself as an AI assistant. You can reach a person at any time by saying or texting “representative” or “human,” by calling a team member directly, or by emailing us.
Recording, transcription, and summaries. Calls, voicemails, and meetings may be recorded and then transcribed and summarized by AI so that our adjusters have an accurate record (see Section 9).
Drafting and review. AI may help our team draft and proofread letters, emails, claim narratives, proofs of loss, demand packages, and reports; organize and review documents, photographs, and estimates; compare estimates and policy language; and research building codes, pricing, and claims-handling practices.
Intake and routing. AI may help us sort and prioritize inquiries, categorize claims by loss type and size, and route them to the right team member.
Marketing. AI may help us create advertising, website content, social media posts, and marketing emails, and analyze campaign performance.
Operations. AI features inside the business software we use (phone systems, customer relationship management, document storage, email, bookkeeping, scheduling) may process information you give us.

What AI does not do at Crossroads:

AI does not decide your claim. Every claim position, estimate, demand, settlement recommendation, and document we send to a carrier on your behalf is reviewed and approved by a licensed public adjuster or another responsible team member before it goes out. AI output is a draft or a tool, not a conclusion.
We do not use AI to make any decision that produces a legal or similarly significant effect on you (such as whether to take your case, what fee to charge, or how to value your claim) without meaningful human review.
We do not use AI for any purpose prohibited by the Texas Responsible Artificial Intelligence Governance Act or other applicable law, including manipulating anyone toward self-harm or crime, unlawful discrimination, or creating unlawful or sexually explicit content.
We do not permit our AI vendors to use your identifiable personal information to train models that are made available to the public, wherever the vendor offers a setting or contract term that prevents it. We use business, enterprise, or developer tiers with training disabled where they are available, and we contractually restrict vendors to processing your information only to provide services to us.

Where your information goes. AI vendors receive the information needed for the task (for example, a call recording to transcribe, or a document to summarize). They are service providers under Section 6. We limit what we send to what the task requires and remove or redact identifiers where that is practical. Some vendors retain inputs for a limited period for abuse monitoring and security under their own terms.

AI makes mistakes. AI transcripts, summaries, and drafts can contain errors, including invented details. Our review process is designed to catch them. If you believe anything we have sent you or a carrier is inaccurate, tell us immediately and we will correct it.

Your choices about our AI use. If you would prefer to minimize AI processing of your file, tell us in writing. We will honor the request where it is practical. Some AI features are built into the business software we use and cannot be turned off for a single file, and choosing less AI use may slow some tasks. It will never change how hard we work on your claim.

B. Your use of AI

We recognize that you may use AI tools when dealing with us, for example to write emails or texts, to prepare an inventory or a timeline, to analyze your policy, to record and transcribe our conversations, or to have an AI agent call, text, email, or schedule on your behalf. You are welcome to do so. In return, you agree to the following:

You are responsible for your AI. Anything submitted to us by you, or by an AI tool acting for you, is treated as coming from you. You are responsible for reviewing it for accuracy before it is sent. “My AI wrote that” is not a defense to a false statement.
AI-generated content is your statement. Documents, descriptions, inventories, estimates, invoices, photographs, and other materials you create or alter with AI and give us for use in a claim are your representations about your loss. We rely on them, and so will your carrier.
No fabricated or altered evidence. You will not use AI to create, alter, or enhance photographs, videos, receipts, invoices, inventories, estimates, or other records so that they misrepresent your loss. Presenting false or misleading information in support of an insurance claim can be insurance fraud under Texas Penal Code Chapter 35 and other laws. We will not knowingly present AI-fabricated or AI-altered evidence to a carrier, and we may end our engagement if we discover it.
AI agents acting for you. If an AI agent contacts us on your behalf, we may treat it as authorized by you, and you are bound by what it says and does, including information it provides, appointments it books, and consents it gives. We may require you to confirm instructions, signatures, consents, or financial details personally before we act on them. We may decline to deal with an AI agent for any part of your claim and ask for you directly.
Confidentiality is yours to protect. Your AI tools are governed by their providers’ terms and privacy policies, not by this Policy. If you upload our work product, your claim file, policy documents, or communications to a third-party AI tool, you are responsible for what that tool does with them. Sharing privileged or confidential material with a third-party AI tool may waive protections that would otherwise apply. If you have an attorney, ask them first.
Recording with AI. If you use AI to record or transcribe our calls or meetings, you are responsible for complying with the recording laws of every state involved. We consent to the recording of our communications with you for your own records of your claim, and for no other purpose.
No abuse of our systems. You will not use AI tools, bots, scrapers, or other automated means to extract content or data from the Sites in bulk, to overload or probe our phone, text, email, or web systems, to impersonate another person, or to interact with us in a way intended to deceive. We may block, rate-limit, or refuse automated traffic.
What your AI tells you about us. Anything our AI receptionist or our team says to you, or that your AI tool reports we said, is subject to Part C: it is not a contract, a coverage opinion, or legal advice unless confirmed in writing by an authorized member of our team.

C. When both sides use AI

Mutual disclosure satisfied. By this Policy, we disclose that you may be interacting with AI when you contact us, and you acknowledge that we may be interacting with AI when you contact us. Neither of us needs to repeat the disclosure in each interaction, although our AI systems will identify themselves when asked and at the start of a conversation where the law requires it.
Nothing is final until a human confirms it. Appointments, intake information, and messages exchanged between AI systems are provisional. A contract, fee agreement, settlement authority, release, or payment instruction is binding only when confirmed in writing by a licensed public adjuster or other authorized person at Crossroads and by you (or a person you have authorized in writing).
No professional advice from AI. Information generated by any AI system on either side is informational only. It is not legal advice, tax advice, an insurance coverage opinion, or a guarantee of any claim outcome. We are licensed public adjusters, not attorneys. Questions about legal rights, bad faith, statutory deadlines, or litigation belong with a licensed attorney.
Errors. Each side is responsible for the output of its own AI. If an AI error on our side harms your claim, we will work to correct it. If an AI error on your side introduces false or inaccurate information, you are responsible for the consequences.

D. De-identified data and AI improvement

We may use de-identified and aggregated information (information that can no longer reasonably be linked to you, your household, or your property) to study claim outcomes, improve our estimating and claims-handling methods, build internal tools, benchmark carrier behavior, and train or evaluate AI tools used in our business. We may license de-identified data to third parties, including AI developers, as described in Section 6. We do not provide your identifiable personal information to anyone for AI training.

6. How We Share Information

We share personal information only as described here.

Your insurance carrier and its representatives. Pursuing your claim requires sharing claim information with your carrier, its adjusters, examiners, and vendors, and, when a claim goes to appraisal or litigation, with appraisers, umpires, mediators, courts, and counsel. Your signed contract and letter of representation authorize this.
People working on your claim. Contractors, engineers, estimators, contents and restoration vendors, appraisers, experts, mortgage companies and lienholders, and attorneys you have engaged or asked us to work with.
Service providers. Companies that process information on our behalf and under contract: website hosting and development, phone and text messaging platforms, AI vendors (Section 5), customer relationship management, email, document storage and electronic signature, estimating software, payment and banking, bookkeeping and accounting, advertising and analytics (Section 7), and professional advisors (lawyers, accountants, insurers). They may use your information only to provide services to us, except as the law otherwise permits.
Affiliates. Entities under common ownership or control with Crossroads, for the purposes in this Policy.
Referral partners. If you were referred to us, or if we refer you to another professional (for example, a public adjuster licensed in another state, a contractor, or an attorney), we may share your contact details and basic claim information with that party. We will tell you when we do.
Legal, regulatory, and safety. Regulators including the Texas Department of Insurance, law enforcement, courts, and other parties when required by law, subpoena, or court order, or when we believe disclosure is necessary to enforce our agreements, protect our rights or property, prevent fraud, or protect the safety of any person.
Business transfers. A buyer, successor, lender, or investor in connection with a merger, acquisition, financing, reorganization, or sale of all or part of our business, including during due diligence.
With your direction or consent. For example, when you ask us to send documents to a family member or to post a testimonial.

We do not sell personal information. We do not sell, rent, or trade your personal information to third parties for money or other valuable consideration, and we do not share it with third parties for their own marketing. The only exception is de-identified data: we may license de-identified data to third parties, including AI developers and research organizations, under contracts that prohibit re-identification and any further disclosure in identifiable form. We take reasonable measures to ensure that licensed data cannot be linked to any individual, we publicly commit here not to attempt to re-identify it, and we require recipients to commit to the same.

Text messaging opt-in data is never shared for marketing. See Section 8.

7. Cookies, Analytics, and Advertising

We and our partners use cookies, pixels, tags, local storage, and similar technologies (“cookies”) on the Sites.

Essential cookies keep the Sites working: forms, security, load balancing, and remembering your choices.
Analytics cookies tell us how the Sites are used. We use Google Analytics and may use similar tools, including session-replay tools that record how you move through a page.
Advertising cookies let us measure and target ads. We advertise on Google Ads and may advertise on Microsoft Advertising, Meta (Facebook and Instagram), LinkedIn, YouTube, and other platforms. Their pixels on our Sites tell those platforms that you visited, which pages you viewed, and whether you submitted a form or called us. These platforms may combine that information with other information they hold about you and use it to show you our ads elsewhere. This is “targeted advertising” under some state privacy laws, and some laws treat it as “sharing” or a “sale.” You can opt out as described below.
Call and form tracking. We may use dynamic phone numbers and form tracking so we know which ad or page led to a call or inquiry.

Your choices:

Browser settings let you block or delete cookies. Blocking essential cookies may break parts of the Sites.
Global Privacy Control. We honor the Global Privacy Control browser signal as an opt-out of targeted advertising and of the sale or sharing of personal information for the browser that sends it.
Platform opt-outs: Google (adssettings.google.com), Meta (ad preferences inside Facebook or Instagram), Microsoft (account.microsoft.com/privacy), the Digital Advertising Alliance (optout.aboutads.info), and the Network Advertising Initiative (optout.networkadvertising.org).
Email us at admin@crossroadsira.com and we will apply your opt-out across the channels we control.

Do Not Track. Other than the Global Privacy Control signal described above, the Sites do not respond to “Do Not Track” browser signals, because there is no common standard for them.

8. Text Messaging (SMS/MMS) Program

When you give us your mobile number and agree to receive texts (for example, by checking a box on a web form, by texting us first, or by telling us verbally), you consent to receive text messages from Crossroads Insurance Recovery Advocates, LLC at that number. Messages may include appointment scheduling and reminders, claim updates, requests for documents or photographs, responses to your inquiries, recruiting messages if you applied or inquired about a position, and, only if you separately opt in, marketing messages.

Message frequency varies by your claim and your conversation with us. Message and data rates may apply.
Reply STOP at any time to stop receiving texts. Reply HELP for help, or contact us at (713) 369-4300 or admin@crossroadsira.com.
Consent to receive texts is not a condition of hiring us.
Carriers are not liable for delayed or undelivered messages.
Some texts may be sent or answered by our AI assistant (Section 5). Reply “human” or “representative” to reach a person.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of sharing described in Section 6 exclude text messaging originator opt-in data and consent; this information will not be shared with any third party, other than the service providers that deliver our text messages on our behalf.

9. Phone Calls, Recording, and Transcription

Calls to and from Crossroads, including calls handled by our AI receptionist and calls with our team, may be recorded, transcribed, and summarized, including by AI, for accuracy, training, quality control, and record-keeping. Voicemails and video meetings may be handled the same way.

By continuing a call after hearing a recording notice, or by calling a number you have been told is recorded, you consent to recording. If you do not want a call recorded, tell us at the start of the call and we will either stop recording or arrange another way to communicate. Team members who use personal mobile phones for client communication follow the same rules.

Some states require every party’s consent to record a call. We provide notice so that you can decide. If you record us, Section 5, Part B applies.

10. Financial Information Privacy Notice

Crossroads is licensed and regulated by the Texas Department of Insurance. This section is our notice about nonpublic personal financial information under the Gramm-Leach-Bliley Act and the Texas Department of Insurance privacy rules (28 Texas Administrative Code, Chapter 22, Subchapter A), to the extent they apply to us. It applies to consumers and customers who obtain our Services for personal, family, or household purposes. We provide it when we are engaged and when our practices change, and it is posted here at all times.

What we collect. Nonpublic personal financial information from the categories in Section 3: information you give us on contracts, forms, and in conversations; information about your transactions with us, your carrier, and others involved in your claim; and information we receive from third parties such as carriers, lenders, contractors, and public records.

What we disclose, and to whom. We disclose nonpublic personal financial information only:

as necessary to perform the Services you engaged us for, including to your carrier, lender, contractors, experts, and attorneys (Section 6);
to service providers that work for us under contracts that limit their use of the information;
as required or permitted by law, including to regulators, in response to legal process, to prevent fraud, and in connection with a sale or transfer of our business; and
with your consent or at your direction.

We do not disclose nonpublic personal financial information to nonaffiliated third parties for their own marketing, and we do not participate in joint marketing arrangements. Because we share only under the exceptions the law allows, there is no opt-out right to exercise. We will give you a new notice and an opt-out opportunity before sharing in any other way.

Former clients. We treat the information of former clients the same way.

How we protect it. We maintain physical, electronic, and procedural safeguards that comply with applicable law (Section 12), and we limit access to the employees and contractors who need the information to serve you.

11. Your Privacy Rights and Choices

Everyone, regardless of where you live:

Marketing emails: use the unsubscribe link in any marketing email, or email admin@crossroadsira.com. We will still send transactional messages about your claim or account.
Texts: reply STOP (Section 8).
Calls: ask to be placed on our internal do-not-call list. We comply with the Telephone Consumer Protection Act and the Texas no-call list.
Cookies and ads: Section 7.
AI processing: Section 5, Part A.
Access and correction: clients can ask for a copy of their claim file and ask us to correct inaccurate information at any time.

Rights under state privacy laws. Several states (including Texas, California, Colorado, Connecticut, Virginia, Utah, Oregon, Montana, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky, Rhode Island, and others) give residents rights over personal information. Many of these laws apply only to businesses above a size threshold, and most exempt information handled under the Gramm-Leach-Bliley Act and information used for insurance claims. To the extent any of these laws applies to you and to us, you may have the right to:

confirm whether we process your personal information and access it;
correct inaccurate personal information;
delete personal information you provided or that we obtained about you;
obtain a copy of your personal information in a portable format;
opt out of targeted advertising, the sale of personal information, and profiling in furtherance of decisions that produce legal or similarly significant effects;
appeal our decision if we decline a request; and
not be discriminated against for exercising your rights.

How to exercise rights. Email admin@crossroadsira.com with “Privacy Request” in the subject line, call (713) 369-4300, or write to us at the address in Section 22. Tell us which right you are exercising and the state you live in. We will verify your identity by matching the information you provide against the information we hold, and we may ask for more information for sensitive requests. An authorized agent may submit a request for you with your signed written permission, and we may still ask you to verify your identity directly. We will respond within 45 days, and we may extend that by another 45 days when reasonably necessary, with notice to you.

Appeals. If we deny your request, we will tell you why. You may appeal by replying to our decision and asking for an appeal. We will respond within 45 days (60 days where state law allows). If we deny your appeal, we will tell you how to contact your state attorney general.

Texas residents. The Texas Data Privacy and Security Act applies to businesses that are not small businesses as defined by the U.S. Small Business Administration. Whether or not it requires us to, we honor the requests above from Texas residents as a matter of practice. We do not sell sensitive personal data or biometric data.

California residents. Over the past 12 months we have collected the categories of personal information listed in Section 3, for the purposes in Section 4, and shared them with the categories of recipients in Section 6. We do not sell personal information for money. Advertising cookies may be treated as “sharing” under California law; you can opt out under Section 7. We do not knowingly sell or share the personal information of anyone under 16. We do not disclose personal information to third parties for their own direct marketing.

Nevada residents. We do not sell covered information as defined under Nevada law. You may record your preference by emailing admin@crossroadsira.com.

Residents of other states. The rights above apply to the extent your state’s law covers us. Requests and appeals follow the process above.

12. Data Security

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information we hold, including access controls and multi-factor authentication on our systems, encryption of data in transit, secure cloud storage with vendor security commitments, employee confidentiality obligations and training, and contracts that require our service providers to protect your information.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You can help: do not send Social Security numbers, bank account numbers, or copies of identification by unencrypted email or text unless we have asked for them and told you how to send them; use the secure upload methods we provide; and tell us immediately if you believe an account or a communication with us has been compromised.

13. Data Retention

We keep personal information for as long as needed for the purposes in this Policy. For claim files, that means the life of the claim plus the period required by the Texas Insurance Code and Texas Department of Insurance record-keeping rules, the applicable statutes of limitations for contract and claim disputes (four years for most contract claims in Texas), any longer period required by tax or other law, and any litigation hold. Website analytics and advertising data are kept for the periods set by the platforms we use. Call recordings and transcripts are kept with the related client file, or for a shorter period for non-client calls. When information is no longer needed, we delete it, de-identify it, or securely archive it. We may keep de-identified data indefinitely.

14. Children’s Privacy

The Sites and Services are for adults. We do not knowingly collect personal information from anyone under 18 through the Sites, and we do not direct the Sites to minors. Claim files may contain limited information about minors in a household (for example, a child’s damaged belongings); we collect it only from the responsible adult and only for the claim. If you believe a minor has given us personal information directly, contact us and we will delete it.

15. Third-Party Sites, Portals, and Social Media

The Sites link to third-party websites, including carrier claim portals, electronic signature and document services, review sites, and social media platforms. Those sites have their own privacy policies, and we are not responsible for them. If you interact with us on social media, the platform collects information under its own policy, and anything you post publicly is visible to others. If you use a third-party portal we provide for uploading documents or signing agreements, the provider processes your information as our service provider.

16. Testimonials, Reviews, and Public Content

We publish client testimonials, reviews, case results, and photographs of damaged property on the Sites, in advertising, on social media, and in our podcast and video content. We do this only with the client’s consent, and we do not publish a client’s full name, address, policy number, or settlement amount without specific permission. A testimonial may be labeled “Real Crossroads Customer” when the client prefers not to be named. You may withdraw consent for future use at any time by contacting us. We will remove the content from channels we control within a reasonable time, but we cannot recall copies already distributed or published by others. Reviews you post on Google, the Better Business Bureau, or other platforms are governed by those platforms.

17. Job Applicants and Recruiting

If you apply for a position with us, respond to a recruiting message, or we contact you about a licensed adjuster or sales role, we collect your contact details, résumé, licensing information (including information from public licensing records), and the content of your communications with us, including texts handled by our AI assistant. We use it to evaluate you for a position and to communicate with you, and we share it with our hiring team, with background check and payroll providers if you advance, and as required by law. Applicant information is kept for up to two years after the position closes unless you are hired. Sections 5, 8, and 9 apply to recruiting communications.

18. Users Outside the United States

We operate in the United States and serve properties and businesses located here. The Sites are not directed to residents of the European Economic Area, the United Kingdom, or other jurisdictions with different privacy laws. If you contact us from outside the United States, your information will be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your country, and you consent to that transfer.

19. Security Incidents

If we learn of a breach of system security involving your sensitive personal information, we will investigate, take steps to contain it, and notify you and any regulators as required by Texas Business and Commerce Code Chapter 521 and other applicable law. We cannot notify you if we do not have current contact information, so please keep yours up to date.

20. Governing Law and Other Terms

This Policy is governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute arising from this Policy or your use of the Sites will be brought in the state or federal courts located in Harris County, Texas, unless your signed agreement with us provides otherwise, and you consent to the jurisdiction of those courts. If any part of this Policy is found unenforceable, the rest remains in effect. This Policy, together with any Terms of Use posted on the Sites and your signed agreement with us, is the complete statement of our privacy practices and of the terms in Section 5.

21. Changes to This Policy

We may update this Policy from time to time. The effective date at the top tells you when it last changed. For material changes, we will post a notice on the Sites or contact current clients directly, and where the law requires it we will obtain your consent before applying a change to information we already hold. Your continued use of the Sites or Services after a change takes effect means you accept the updated Policy.

22. Contact Us

Crossroads Insurance Recovery Advocates, LLC
Attn: Privacy
1080 W Sam Houston Pkwy N, Suite 210, Houston, Texas 77043
Phone: (713) 369-4300
Email: admin@crossroadsira.com
Texas Department of Insurance entity license no. 1924788

For privacy requests, use the subject line “Privacy Request.” For questions about how your claim information has been handled, contact your assigned adjuster or the email above. Complaints about a public adjuster may also be made to the Texas Department of Insurance at tdi.texas.gov or 1-800-252-3439.