Privacy Policy

1. Information We Collect

Personal Information

When you request a quote or contact us, we may collect:

• Name, address, email address, and phone number
• Date of birth and Social Security number (for underwriting purposes)
• Driver's license information and driving history
• Vehicle information (make, model, VIN)
• Property information (address, construction details)
• Insurance history and claims information
• Financial information for payment processing

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

• Provide insurance quotes and policy recommendations
• Process insurance applications and bind coverage
• Communicate with you about your policies and services
• Process payments and manage billing
• Handle claims and provide customer support
• Comply with legal and regulatory requirements
• Improve our website and services
• Send marketing communications (with your consent)
• Detect and prevent fraud

3. Information Sharing and Disclosure

We may share your information with:

Insurance Carriers

We share your information with insurance companies to obtain quotes and bind coverage on your behalf.

Service Providers

We may share information with third-party service providers who assist us with:

• Payment processing
• Data analytics and website optimization
• Marketing and communication services
• Technology and hosting services

Legal Requirements

We may disclose information when required by law, court order, or government regulation, or to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

While we strive to protect your information, no method of transmission over the internet is 100% secure.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Personalize content and advertisements
• Improve website functionality

You can control cookies through your browser settings, but disabling cookies may limit website functionality.

6. Your Privacy 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 information (subject to legal obligations)
• Object to or restrict certain processing activities
• Opt-out of marketing communications
• Request a copy of your information in a portable format

To exercise these rights, please contact us using the information provided below.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your policies
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, sold, or disclosed, and the right to opt-out of the sale of personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a revised "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 questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

1Life Coverage Solutions

• Email: privacy@1lifecoverage.com
• Phone: 216-455-7283
• Address: [Your Company Address]

13. Gramm-Leach-Bliley Act Notice

As required by federal law, we provide this notice about our privacy practices and how we protect your nonpublic personal information. We do not sell your personal information to third parties. Information is shared only as necessary to provide insurance services and as permitted or required by law.