Privacy Policy

1 Information We Collect

Personal Information You Provide

When you request insurance quotes, apply for coverage, or use our services, we may collect:

• Contact Information: Name, address, email address, phone number, and business address
• Identification Information: Date of birth, Social Security number, driver's license number, and government-issued identification
• Financial Information: Bank account information, payment card details, income information, and credit history
• Employment Information: Employer name, occupation, work history, and payroll information
• Health Information: Medical history, health conditions, and prescription information (for health and life insurance applications)
• Property Information: Vehicle details, property addresses, construction details, and asset valuations
• Business Information: Business name, entity type, revenue, employee counts, operations descriptions, and loss history
• Claims History: Prior insurance claims, losses, and related documentation

Information Collected Automatically

When you visit our website, we automatically collect certain information including:

• IP address and geographic location
• Browser type and operating system
• Pages visited and time spent on our website
• Referring website addresses
• Device identifiers and mobile device information

Information from Third Parties

We may receive information about you from:

• Insurance carriers and underwriters
• Credit reporting agencies
• Motor vehicle departments
• Claims databases and loss history reports
• Public records and databases
• Your employers (for employee benefits)

2 How We Use Your Information

We use the information we collect to:

• Provide Insurance Services: Process applications, obtain quotes, bind coverage, and service your insurance policies
• Claims Assistance: Help you file claims and advocate on your behalf with insurance carriers
• Customer Service: Respond to inquiries, provide policy information, and assist with coverage questions
• Policy Management: Send renewal notices, policy documents, billing statements, and important updates
• Risk Assessment: Evaluate insurance needs and recommend appropriate coverage options
• Compliance: Meet legal and regulatory requirements, including state insurance department regulations
• Communication: Send newsletters, educational content, and information about our services (with your consent where required)
• Business Operations: Improve our services, conduct analytics, and maintain our business records
• Fraud Prevention: Detect and prevent fraudulent activity and protect against security threats

3 Information Sharing & Disclosure

We may share your information with:

Insurance Carriers and Underwriters

We share information necessary to obtain quotes, bind coverage, process claims, and service your insurance policies. This is essential to providing our core insurance brokerage services.

Service Providers

We work with third-party vendors who assist with payment processing, document management, IT services, and other business operations. These providers are contractually obligated to protect your information.

Legal and Regulatory Requirements

We may disclose information when required by law, court order, subpoena, or regulatory investigation, or to protect our legal rights and comply with applicable regulations.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4 Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication requirements
• Regular security assessments and monitoring
• Employee training on data protection and privacy
• Physical security measures for our offices and systems
• Incident response procedures for potential data breaches

While we strive to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

5 Your Rights and Choices

Depending on your location and applicable laws, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Opt-Out: Opt out of marketing communications at any time
• Portability: Request your information in a portable format
• Restriction: Request restriction of certain processing activities

To exercise these rights, please contact us using the information provided below. We will respond to your request within the timeframes required by applicable law.

Marketing Communications

You can opt out of marketing emails by clicking the "unsubscribe" link in any marketing email or by contacting us directly. Please note that even if you opt out of marketing communications, we may still send you transactional messages related to your insurance policies.

6 Cookies & Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Understand how you use our website
• Improve website functionality and user experience
• Analyze website traffic and performance

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

Analytics

We use analytics services (such as Google Analytics) to collect information about website usage. This information helps us improve our website and services. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7 Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals, payment processors, and other services. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

8 Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete that information.

9 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Update the "Effective Date" at the top of this policy
• Post the updated policy on our website
• Notify you by email or other means for significant changes (where required)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

10 State-Specific Privacy Rights

California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have additional rights including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. As stated above, we do not sell personal information. To exercise your California privacy rights, please contact us using the information below.

Washington State Residents

Washington residents may have additional rights under the Washington My Health My Data Act and other state privacy laws. Please contact us if you have questions about your rights under Washington state law.

Insurance-Specific Disclosures

As a licensed insurance broker, we are also subject to state insurance department regulations regarding the collection, use, and protection of customer information. We maintain compliance with the Gramm-Leach-Bliley Act (GLBA) and state insurance privacy regulations.

11 Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or have concerns about how we handle your information, please contact us: