Privacy Policy

Effective Date: [Insert Date]

Last Updated: [Insert Date]

1. Introduction

[Company Name] (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our website, mobile app, and services.

2. Scope

This Privacy Policy applies to individuals in the United States who request or obtain our insurance products or services or visit our website.

3. Information We Collect

• Identifiers: Name, address, date of birth, contact details, and government IDs.
• Financial Information: Bank details, payment information, and credit data.
• Insurance Information: Policy numbers, claim history, coverage details.
• Health Information: Medical or health data relevant to underwriting or claims (subject to HIPAA, if applicable).
• Technical Information: IP address, browser type, cookies, and usage data.

4. How We Use Your Information

• Process applications, payments, and claims
• Provide and manage insurance coverage
• Detect and prevent fraud
• Comply with legal and regulatory obligations
• Improve products, services, and customer experience

5. How We Share Information

We may share your information with affiliates, service providers, underwriters, reinsurers, regulators, or others as required by law. We do not sell or rent your personal data.

6. Data Security

We implement industry-standard security measures, including encryption, secure storage, and restricted access to protect your personal information.

7. Data Retention

We retain your data only as long as necessary for business, legal, or regulatory purposes.

8. Cookies

Our website uses cookies to improve user experience and analyze traffic. You can manage cookie preferences in your browser settings.

9. Your Rights

You may request access to, correction, or deletion of your data, and opt out of marketing communications by contacting us.

10. State-Specific Rights

California Residents: You have rights under the CCPA/CPRA to request access, deletion, or correction of personal data. We do not sell personal information.

11. Children’s Privacy

We do not knowingly collect data from individuals under 16 years old. If we become aware, we will delete such data promptly.

12. Updates

We may update this Privacy Policy periodically. The latest version will always be available on this page.

13. Contact Us

Last updated on [Insert Date]