1. Information We Collect

We collect information you provide directly to us, information collected automatically when you visit our website, and information from third parties when applicable.

Information you provide directly:

• Full name, address, phone number, and email address
• Date of birth and Social Security Number (when required for insurance applications)
• Property information, vehicle information, or business details relevant to obtaining a quote
• Current insurance policy details you share with us
• Payment and billing information
• Any other information you submit through our contact forms, quote requests, or communications

Information collected automatically:

• IP address, browser type, and operating system
• Pages visited on our website and time spent on each page
• Referring website addresses
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide, process, and manage insurance quotes and policies on your behalf
• Communicate with you about your coverage, renewals, and claims
• Respond to inquiries and customer service requests
• Submit applications to insurance carriers and third-party underwriters
• Comply with legal obligations and regulatory requirements applicable to licensed insurance agencies in New York State
• Improve our website and services
• Send you relevant information about our products and services (you may opt out at any time)
• Detect and prevent fraud or unauthorized activity

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Insurance Carriers and Underwriters: To obtain quotes, bind coverage, and service your policies, we share necessary information with licensed insurance companies and their authorized representatives.
• Service Providers: We work with third-party vendors who assist us in operating our website, conducting our business, or servicing you (such as payment processors and IT providers), subject to confidentiality obligations.
• Legal and Regulatory Requirements: We may disclose information when required by law, court order, or regulatory authority, including the New York Department of Financial Services.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information for other purposes with your explicit consent.

4. Cookies and Tracking Technologies

Our website uses cookies — small text files stored on your device — to enhance your browsing experience, analyze site traffic, and understand how visitors use our site. You can control cookies through your browser settings. Disabling cookies may affect certain features of our website.

We may also use third-party analytics services such as Google Analytics to understand website usage. These services have their own privacy policies governing the use of your information.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, maintain our business records, and comply with applicable legal and regulatory requirements. Insurance records may be retained for up to seven (7) years or as required by New York State law.

6. Security

We implement reasonable physical, technical, and administrative safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

In the event of a data breach affecting your personal information, we will notify you as required by applicable New York State law (NY SHIELD Act).

7. Your Rights (New York Residents)

As a New York resident, you have certain rights with respect to your personal information, including:

• The right to know what personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information, subject to legal and regulatory limitations
• The right to opt out of receiving marketing communications from us

To exercise any of these rights, please contact us using the information below. We will respond to your request within a reasonable timeframe.

8. Sensitive Personal Information

The nature of insurance services requires us to collect sensitive personal information including Social Security Numbers, financial details, and health-related information where applicable. We handle all sensitive information with heightened care and share it only as necessary to provide the services you have requested or as required by law.

9. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before submitting any personal information.

10. Children’s Privacy

Our website and services are not directed at 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 minor, please contact us immediately and we will take steps to delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we do, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: