A&C MANAGEMENT GROUP, LTD
PRIVACY POLICY
Effective Date: February 14, 2026
1. Introduction
A&C Management Group, LTD (“Company,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website acmgmt.com, use our services, or interact with us through our SMS messaging program. Please read this Privacy Policy carefully. By using our services, you consent to the practices described herein.
2. Information We Collect
2.1 Personal Information You Provide
We may collect personal information that you voluntarily provide to us, including but not limited to:
• Full name
• Email address
• Phone number (including mobile number for SMS services)
• Mailing address
• Business name and business contact information
• Date of birth
• Employment and payroll information (in connection with PEO services)
• Insurance application details and health-related information necessary for benefits enrollment
• Any other information you choose to provide when contacting us or using our services
2.2 Information Collected Automatically
When you visit our website, we may automatically collect certain information about your device and usage, including:
• IP address and geographic location
• Browser type and version
• Operating system
• Pages visited, time spent on pages, and navigation patterns
• Referring website or source
• Device type and identifiers
2.3 Information from SMS/Text Messaging
When you opt in to our SMS messaging program, we collect your mobile phone number and records of messages sent and received. We may also collect information about your mobile carrier and device to ensure proper delivery of messages.
3. How We Use Your Information
We use the information we collect for the following purposes:
• To provide, maintain, and improve our PEO brokerage and insurance services
• To process and manage your insurance applications, benefits enrollment, and policy renewals
• To communicate with you about your account, policies, and services, including via SMS text messages
• To send appointment reminders, policy renewal notifications, and claims updates
• To respond to your inquiries and provide customer support
• To send promotional communications about our services (with your consent)
• To comply with legal obligations and regulatory requirements
• To detect, prevent, and address fraud, security issues, and technical problems
• To analyze website usage and improve our online experience
4. SMS Opt-In and Messaging Details
4.1 How You Opt In
You may opt in to receive SMS messages from A&C Management Group, LTD by:
• Submitting your mobile number through a form on our website and checking the SMS consent box
• Texting a designated keyword to our short code or phone number
• Providing verbal or written consent during a phone call or in-person consultation
• Completing an enrollment form that includes SMS consent
By opting in, you expressly consent to receive recurring automated text messages from us at the number provided. Consent to receive SMS messages is not required as a condition of purchasing any services.
4.2 Types of Messages
You may receive SMS messages related to appointment reminders, policy and enrollment updates, claims notifications, customer service responses, account alerts, and promotional offers for our insurance and benefits services.
4.3 Opt-Out
You can opt out at any time by replying STOP to any message, calling us at (516) 829-4880, or emailing info@acmgmt.com. After opting out, you will receive a confirmation message and no further texts unless you re-subscribe.
4.4 Message and Data Rates
Standard message and data rates may apply. Contact your wireless carrier for details about your messaging plan. A&C Management Group, LTD is not responsible for any carrier charges.
5. Mobile Information Sharing
We do not sell, rent, lease, or share your mobile phone number or any personal information collected through our SMS messaging program with third parties or affiliates for their own marketing or promotional purposes. Your mobile information is used solely by A&C Management Group, LTD for the purposes described in this Privacy Policy. Any third-party service providers who assist in delivering our SMS messages are contractually prohibited from using your information for any purpose other than facilitating our messaging services.
6. Cookies and Tracking Technologies
6.1 What We Use
Our website may use cookies, web beacons, pixels, and similar tracking technologies to enhance your browsing experience and gather information about how you interact with our site. These technologies help us:
• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Measure the effectiveness of our marketing efforts
• Provide personalized content and advertisements
6.2 Types of Cookies
• Essential Cookies: Required for the website to function properly, such as session management and security.
• Analytics Cookies: Help us understand how visitors interact with our site by collecting and reporting information anonymously.
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements.
6.3 Your Cookie Choices
Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to alert you when a cookie is being sent. Please note that disabling cookies may affect the functionality of our website. You may also opt out of certain third-party tracking by visiting the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA) opt-out pages.
7. Data Security and Handling
We implement appropriate technical and organizational security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
• Encryption of sensitive data in transit and at rest
• Secure server infrastructure with access controls and firewalls
• Regular security assessments and vulnerability testing
• Employee training on data protection and privacy best practices
• Restricted access to personal information on a need-to-know basis
While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
7.1 Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.
8. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
• Right to Access: You may request a copy of the personal information we hold about you.
• Right to Correction: You may request that we correct inaccurate or incomplete information.
• Right to Deletion: You may request that we delete your personal information, subject to certain legal exceptions.
• Right to Opt Out: You may opt out of receiving marketing communications, including SMS messages, at any time.
• Right to Data Portability: You may request your personal data in a structured, commonly used format.
• Right to Restrict Processing: You may request that we limit how we use your data under certain circumstances.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.
To exercise any of these rights, please contact us using the information provided in Section 11 below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
9. Third-Party Links
Our website may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the privacy policy of every site you visit.
10. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If we become aware that we have collected personal information from a minor, we will take steps to delete that information promptly.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically. Your continued use of our services following the posting of changes constitutes your acceptance of those changes.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
A&C Management Group, LTD
Address: 40 Cuttermill Road, Suite 205, Great Neck, NY 11021
Phone: (516) 829-4880
Email: info@acmgmt.com
Website: acmgmt.com