Melbourne Truck Insurance is a marketing and lead-generation brand operated by Yellow Spot Services, LLC (Florida Doc# L22000521456), with mailing address 3080 Park Pond Wa, Kissimmee, FL 34741. Yellow Spot Services, LLC is not an insurance agency and is not licensed to sell, solicit, negotiate, bind, or service insurance.
All licensed insurance activity (quoting, binding, servicing, claims) is performed exclusively by Garzor Insurance, Inc., a Florida-licensed insurance agency (FL Lic. #L084885 · NPN #17018038). When this Privacy Policy refers to "we," "us," or "our," it means Yellow Spot Services, LLC and, where applicable, Garzor Insurance, Inc. acting in its licensed capacity. See our Legal Disclosures for the full operator/agency relationship.
1. Information We Collect
- Information you give us: name, business name (DBA and legal), DOT number, MC number, EIN, phone, email, mailing address, garaging ZIP, vehicle VINs, driver names and license numbers, loss history, and any other detail you submit through our quote form, by email, by phone, or by SMS.
- Information collected automatically: IP address, browser type, device type, pages visited, referring URL, time on page, and aggregated analytics via cookies and similar technologies.
- Information from third parties: motor vehicle records (MVRs), Comprehensive Loss Underwriting Exchange (CLUE) reports, FMCSA SAFER data, credit‑based insurance scores where permitted, and carrier underwriting databases.
2. How We Use Your Information
- Prepare and deliver insurance quotes
- Bind, service, endorse, and renew policies
- File required FMCSA and state forms (MCS‑90, BMC‑91, Form E)
- Issue certificates of insurance to brokers, shippers, and ports
- Communicate with you by phone, email, and SMS about your account
- Send occasional educational content and renewal reminders (you can opt out)
- Comply with legal, regulatory, and audit obligations
3. Who We Share It With
- Insurance carriers and wholesalers we shop your risk with (Progressive Commercial, Berkshire Hathaway GUARD, Great West, Canal, Sentry, Cover Whale, Pie, Lancer, Trisura, and other A‑rated markets).
- Service providers that help us operate the website, CRM, e‑signature, and payment processing.
- Government and regulatory bodies when required by FMCSA, the Florida Office of Insurance Regulation, or court order.
We do not sell your personal information.
4. Cookies & Analytics
We use first‑party and third‑party cookies for analytics (e.g., Google Analytics, Meta Pixel) and conversion tracking. You can disable cookies in your browser settings. Disabling cookies will not break the quote form, but it may limit our ability to remember your session.
5. SMS / Text Messaging Consent
By submitting your phone number on our quote form or texting us first, you consent to receive transactional and informational SMS messages from Melbourne Truck Insurance at (321) 329-5556. Message and data rates may apply. Reply STOP to unsubscribe at any time, or HELP for help. We do not share SMS opt‑in data with third parties or affiliates for marketing purposes.
6. Data Retention
We retain quote and policy data for the longer of (a) seven years after your most recent policy term ends or (b) the period required by Florida insurance regulators and the IRS.
7. Data Security
We use TLS encryption in transit, encrypted database storage, role‑based access controls, and audit logging. No method of transmission over the internet is 100% secure, but we follow industry best practices and the safeguards required of Florida insurance licensees.
8. Your Rights
- Request a copy of the personal information we hold about you
- Request correction of inaccurate information
- Request deletion, subject to our regulatory retention obligations
- Opt out of marketing emails (every email has an unsubscribe link)
- Opt out of SMS by replying STOP
To exercise any right, email legal@yellowspotservices.com or call (321) 329-5556. We respond within 30 days.
9. Children's Privacy
Our services are intended for businesses and individuals 18 and older. We do not knowingly collect information from anyone under 13.
10. Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective date" above reflects the most recent revision. Material changes will be announced on this page for at least 30 days.
11. Contact Us
Site operator: Yellow Spot Services, LLC
Licensed agency: Garzor Insurance, Inc. (FL Lic. #L084885 · NPN #17018038)
3080 Park Pond Wa, Kissimmee, FL 34741
Phone: (321) 329-5556
Operator Email: legal@yellowspotservices.com
Agency Email: quotes@garzorinsurance.com