Privacy Policy

1. Information We Collect

We collect information that you voluntarily provide when using our Website, including:

• Contact information: name, email address, phone number
• Business information: company name, business type, location, and details relevant to obtaining insurance quotes
• Agent/broker information: agency name, license number, NPN, and contact details submitted through the agent signup form
• Communication data: messages you send through our contact form

We also automatically collect certain technical information when you visit the Website, including your IP address, browser type, referring URL, pages visited, and time spent on the site through standard web analytics tools.

2. How We Use Your Information

We use the information we collect to:

• Process your quote requests and connect you with appropriate insurance carriers
• Respond to your inquiries and communicate with you about coverage options
• Process agent and broker applications
• Improve our Website and services
• Analyze Website usage through analytics tools
• Comply with legal obligations

3. Information Sharing

We may share your information with:

• Insurance carriers and underwriters: to obtain quotes and process applications on your behalf
• Service providers: such as email delivery services (SMTP2GO) and form hosting providers (JotForm) that help us operate the Website
• Legal compliance: when required by law, regulation, or legal process

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Third-Party Services

Our Website uses the following third-party services:

• JotForm: for application forms embedded on coverage pages. JotForm has its own privacy policy governing data submitted through their forms.
• SMTP2GO: for email delivery of form submissions.
• Google Analytics: for Website usage analytics. Google Analytics may use cookies to collect information about your interactions with the Website.
• Google Fonts: for web typography.

Each of these services has its own privacy practices. We encourage you to review their respective privacy policies.

5. Cookies

Our Website may use cookies and similar technologies to enhance your browsing experience and analyze Website traffic. You can control cookies through your browser settings. Disabling cookies may affect certain features of the Website.

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of Internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements.

8. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• Request a copy of your data in a portable format

To exercise any of these rights, please contact us.

9. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information.

10. Children's Privacy

This Website is not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after changes constitutes acceptance of the updated policy.

12. Contact

If you have questions about this Privacy Policy or how we handle your data, please contact us.