Privacy Policy

1. Information We Collect

We collect information you provide directly to us, such as when you:

• Request a quote or apply for insurance coverage
• Create an account or register for our services
• Contact us for customer support
• Subscribe to our newsletter or marketing communications
• Participate in surveys or promotional activities

Personal Information

The types of personal information we may collect include:

• Name, address, phone number, and email address
• Business information (company name, industry, number of employees)
• Financial information (for payment processing)
• Employment and payroll information
• Claims and incident information

Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address and device information
• Browser type and operating system
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our insurance services
• Process applications and underwrite policies
• Handle claims and provide customer support
• Send you important notices about your coverage
• Communicate with you about our services and promotions
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We may share information with third-party service providers who perform services on our behalf, including:

• Insurance carriers and reinsurers
• Claims administrators and adjusters
• Payment processors
• IT and security service providers
• Marketing and analytics providers

Legal Requirements

We may disclose information when required by law or to:

• Comply with legal process or government requests
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect the safety of our users and the public

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and employee training
• Secure data centers and network infrastructure

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. You can control cookie settings through your browser preferences. Types of cookies we use include:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• 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 requirements)
• Portability: Request transfer of your information to another service provider
• Opt-out: Unsubscribe from marketing communications

7. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected and how it's used
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights

8. Children's Privacy

Our services are not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

10. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Retention periods vary based on the type of information and the purpose for which it was collected.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: