Privacy Policy

1. Information We Collect

To provide you with accurate insurance quotes and services, we collect information from the following sources:

• Applications and Forms: Information you provide such as your name, address, drivers license number, date of birth, and claim history.

• Your Transactions: Information about your previous insurance coverage, claims history, and payment patterns.

• Consumer Reporting Agencies: We may receive reports containing your driving record, credit-based insurance scores, and property inspections as permitted by law.

• Website Usage: We automatically collect technical data like your IP address, browser type, and "cookies" to improve your experience on our site.

2. How We Use Your Information

We use your information strictly for insurance-related business purposes, including:

• Securing quotes from insurance carriers.

• Processing applications, renewals, and claims.

• Communicating with you about your policies or new coverage options.

• Complying with Michigan Department of Insurance and Financial Services (DIFS) regulations.

3. Information Sharing Practices

We do not sell your personal information to third parties. We only share your information with unaffiliated third parties when necessary to conduct our business, such as:

• Insurance companies (carriers) to underwrite your policies.

• Claims adjusters or investigators.

• Service providers who perform marketing or technology functions on our behalf (under strict confidentiality agreements).

• Government or law enforcement agencies as required by the Michigan Insurance Code.

4. Security of Your Information

In compliance with the Michigan Insurance Data Security Law, we maintain physical, electronic, and procedural safeguards. This includes:

• Encrypted data transmission (SSL) on our website forms.

• Restricting access to NPI to employees who need it to provide products or services to you.

• Regular monitoring and testing of our systems to prevent unauthorized access.

5. Your Rights and Opt-Outs

• Access & Correction: You have the right to request a copy of the information we have on file and to request corrections to any inaccuracies.

• Marketing Preferences: You may opt-out of receiving promotional emails from us at any time by clicking the "unsubscribe" link or contacting our office.

6. Children’s Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children in compliance with the Children’s Online Privacy Protection Act (COPPA).

7. Changes to This Policy

We may update this policy to reflect changes in our practices or Michigan law. We will notify you of any material changes by posting the new policy on this page with a revised "Effective Date."

8. Contact Us

If you have questions regarding this Privacy Policy, please contact us at 517.627.8441