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Privacy Policy

Updated: 08/01/2024

1. Introduction

Welcome to Throne Insurance & Financial Services, LLC. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us, whether through our website, or in person.

This policy applies to all personal information collected by Throne Insurance & Financial Services LLC, from clients and potential clients. This includes information provided directly by you, as well as information collected through our services and interactions with you. By using our services or providing us with your information, you consent to the practices described in this policy.

We are dedicated to ensuring your information is handled with the highest level of care and in accordance with applicable privacy laws and regulations. If you have any questions or concerns about our privacy practices, please contact us using the information provided in the “Contact Information” section of this policy.

2. Information We Collect

When an insurance agent is inquiring about or reviewing a client’s insurance policy across various types of insurance, they may need to collect a variety of personal and related information to properly assess the client’s needs and manage their policies. The following bullet point list is a breakdown of the types of personal information required for different insurance types. This type of information may be obtained from an agent, third parties systems, our affiliated insurance companies, and/or government official documents including but limited to the states we currently operate in (i.e. Texas Department of Insurance, Florida Office of Insurance Regulation, etc).

The following may be acquired at any time during the time of application or at times of transactions. The information we collect includes but is not limited to what is written. For further information contact us directly by utilizing the contact information in section 8.

Personal Information Overview:

Contact information: Full name, gender, marital status, home address, phone number, e-mail address, job title, employer name, and work address

Identification details: Social Security number, driver’s license number

Financial information: Bank account details, debit card numbers, credit card numbers, information on existing debt

Health information: Medical history, current health status

Policy details: Coverage, loss runs, claims history

Policy Preferences: Coverage preferences, deductible amounts, and policy limits

1) Personal Insurance

Personal Identification: Full name, date of birth, Social Security number, and driver’s license number.

Contact Information: Address, phone number, and email address.

Occupation and Employment Details: Job title, employer name, and work address.

Financial Information: Income details, credit history, and any existing debts.

2) Business Insurance

Business Information: Business name, legal structure (e.g., LLC, corporation), and business address.

Contact Information: Principal contact’s name, phone number, and email address.

Financial Records: Business financial statements, tax returns, and revenue details.

Industry and Operations: Description of business operations, industry type, and risk exposures.

Employee Details: Number of employees, employee roles, and payroll information.

3) Homeowner’s Insurance

Property Details: Address, year built, property type (single-family, multi-family), and square footage.

Home Characteristics: Construction type (wood, brick), roof type, and security features.

Personal Property Information: Value and descriptions of major items (e.g., jewelry, electronics).

Mortgage Information: Mortgage lender name and loan number.

4) Renter’s Insurance

Rental Property Details: Address and type of dwelling (apartment, house).

Personal Property Information: Value and descriptions of personal belongings.

Lease Information: Landlord’s contact details and lease terms.

5) Life Insurance

Personal Identification: Full name, date of birth, Social Security number, and driver’s license number.

Health Information: Medical history, current health status, and lifestyle habits (e.g., smoking, exercise).

Beneficiary Details: Names, relationships, and contact information of beneficiaries.

Financial Information: Income, debts, and financial obligations.

Occupation: Job title and employer details.

6) Health Insurance

Personal Identification: Full name, date of birth, Social Security number, and driver’s license number.

Health Information: Medical history, current health conditions, medications, and treatment plans.

Insurance Details: Existing health insurance coverage information and policy numbers.

Employment Details: Employer name and health benefits provided through employment.

7) Public Auto Insurance

Vehicle Information: Make, model, year, Vehicle Identification Number (VIN), and usage details (personal, business).

Driver Information: Driver’s license number, driving history, and any prior claims.

Insurance History: Previous insurance coverage details and claims history.

Personal Identification: Full name, date of birth, and address.

We collect and utilize certain usage data to improve our services, enhance user experience, and ensure the effectiveness of our operations. Here’s how we handle and use usage data:

Types of Usage Data We Collect

Technical Data:

IP Address: We collect your IP address to understand the geographic location of our users and to troubleshoot technical issues.

Device Information: Details about the device you use to access our website or applications, such as device type, operating system, and browser type.

Activity Data:

Website Interactions: Information about how you interact with our website or mobile applications, including pages visited, time spent on our site, and navigation patterns.

Usage Patterns: Data on how you use our services, including the features you access and the frequency of your visits.

Log Data:

System Logs: Records of system activity, including login times, errors, and other operational data that help us monitor and maintain system performance.

Purposes for Using Usage Data

Service Improvement:

Enhancing User Experience: We use usage data to analyze how our services are used and identify areas for improvement, ensuring a better and more intuitive user experience.

Feature Development: Insights gained from usage data help us develop and refine new features and functionalities.

Performance Monitoring:

System Monitoring: Usage data helps us monitor the performance and stability of our website and applications, enabling us to promptly address any technical issues.

Error Tracking: We use log data to identify and troubleshoot errors or bugs, ensuring a smooth and reliable experience.

Personalization:

Customized Content: By understanding your preferences and behavior, we can offer personalized content and recommendations that are relevant to your interests.

Analytics and Reporting:

Usage Analysis: We analyze aggregated usage data to gain insights into user behavior and trends, which informs our business strategies and decision-making processes.

Reporting: Usage data is used to generate reports and analytics that help us understand how our services are utilized and identify areas for growth.

Security and Fraud Prevention:

Security Measures: We use usage data to detect and prevent fraudulent activities, ensuring the security and integrity of our services.

Data Protection and Retention

Security: We implement robust security measures to protect your usage data from unauthorized access, loss, or misuse.

Retention: Usage data is retained only for as long as necessary to fulfill the purposes outlined above and in compliance with applicable laws and regulations.

Note: SMS Opt-In or Phone Numbers for the purpose of SMS are not being shared, sold, or disclosed to third parties or carriers. It is used for client – agent communication and internal business purposes only.

Your Choices

Opt-Out: While we collect usage data for operational purposes, you have the option to limit certain types of data collection by adjusting your browser settings or using privacy tools. However, please note that this may affect the functionality of our services.

By using our services, you consent to the collection and use of your usage data as described in this policy. If you have any questions or concerns about how we handle your data, please contact us.

Collecting this information allows insurance agents to provide accurate assessments, tailor policies to meet specific needs, and ensure compliance with underwriting requirements. Always ensure that personal information is handled securely and in accordance with privacy regulations.

3. How We Use Your Information

This section provides a clear and comprehensive explanation of how personal information is used for policy administration, aligning with best practices for transparency and compliance in privacy policies.

At Throne Insurance & Financial Services LLC, we use the personal information you provide to effectively manage and administer your insurance policy. This includes, but is not limited to, the following purposes:

Policy Administration

Issuance and Management:

Processing Applications: We use your information to evaluate and process your insurance applications, ensuring that the policy terms accurately reflect your needs.

Policy Maintenance: Your information helps us update and manage your policy details, including modifications, renewals, and cancellations.

Claims Processing:

Claims Assessment: In the event of a claim, we use your information to assess the claim, verify coverage, and determine the appropriate payout or settlement.

Investigation and Resolution: Your information is essential for investigating claims, communicating with you about the status of your claim, and resolving any issues that may arise.

Customer Support:

Assisting with Inquiries: We use your information to respond to your inquiries, provide support, and address any concerns or issues related to your policy.

Improving Services: Your feedback and interactions help us enhance our services and ensure a better customer experience.

Compliance and Record-Keeping:

Regulatory Compliance: We may use your information to comply with legal and regulatory requirements, including reporting to government agencies or fulfilling legal obligations.

Record Maintenance: Your information is retained to maintain accurate records of your policy, claims, and interactions with us, as required by law and industry standards.

Billing and Payment:

Processing Payments: We use your financial information to process premium payments, manage billing, and handle any payment-related inquiries.

Account Management: Your information helps us manage your account and provide you with statements, receipts, and other billing-related documents.

Throne Insurance & Financial Services LLC may use your personal information to communicate with you about our products and services, including promotional offers and updates. Here’s how we handle marketing emails and communications:

Marketing Communications

Purpose of Marketing Emails:

Product Updates: We may send you information about new products, services, or features that may be of interest to you.

Special Offers and Promotions: You may receive emails about special offers, discounts, or promotional campaigns that are tailored to your needs and preferences.

News and Insights: We may provide updates on industry news, insurance tips, and other relevant content that could benefit you.

Opt-In and Consent:

Initial Consent: When you first provide your contact information, you may be given the option to opt-in to receive marketing communications from us.

Managing Preferences: You can manage your communication preferences at any time by adjusting your settings through your online account, using the unsubscribe link provided in our emails, or contacting us directly.

Unsubscribing from Marketing Emails:

Easy Opt-Out: Every marketing email you receive from us will include an easy-to-follow unsubscribe link at the bottom. Clicking this link will promptly remove you from our marketing email list.

Alternative Opt-Out: If you prefer, you can also contact us to request that we stop sending marketing emails.

Data Usage:

Personalization: We may use your information to personalize the content of our marketing communications, ensuring that it is relevant and useful to you.

Frequency: We strive to send marketing communications in a manner that is respectful of your time and preferences. You can adjust the frequency of communications or opt-out entirely if you prefer not to receive them.

Third-Party Marketing:

No Sharing: We do not share your personal information with third parties for their marketing purposes without your explicit consent.

Commitment to Privacy:

Respecting Your Choices: We respect your communication preferences and are committed to ensuring that you have control over the types of information you receive from us.

Your personal information is handled with the utmost care and used solely for the purposes described above. We are committed to protecting your privacy and ensuring that your data is used responsibly and in accordance with applicable privacy laws and regulations.

4. How We Share Your Information

We may share your information under certain circumstances to ensure the effective management of your insurance policy, comply with legal obligations, and provide you with the best possible service. Here’s an overview of how and with whom we may share your information:

1. Service Providers

We may share your personal information with third-party service providers who assist us in delivering our services. These providers include:

Claims Adjusters: To assess and process insurance claims.

IT Services: To support and maintain our technology infrastructure.

Payment Processors: To handle billing and payment transactions securely.

Customer Support: To provide assistance and respond to your inquiries.

These service providers are contractually obligated to use your information only for the purposes for which it was shared and to maintain the confidentiality and security of your data.

2. Business Partners

We may share information with our business partners in the following scenarios:

Co-Insurance Companies: To manage and administer policies that involve multiple insurers.

Marketing Partners: For joint marketing efforts, provided you have given consent to receive marketing communications.

Our business partners are required to adhere to strict privacy and security standards to protect your information.

3. Regulatory Authorities

We may disclose your information to regulatory authorities and government agencies as required by law, including:

Compliance: To comply with legal and regulatory requirements.

Audits and Investigations: In response to requests for information related to audits, investigations, or legal proceedings.

4. Legal Requirements

We may disclose your information in the following situations:

Legal Proceedings: To comply with court orders, legal processes, or to enforce our rights and agreements.

Protection of Rights: To protect the rights, property, or safety of Throne Insurance & Financial Services, our clients, or others.

5. Aggregated Data

We may share aggregated, non-personal data with third parties for analytical purposes. This data does not identify individual clients and is used to improve our services and understand industry trends.

6. Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred to the new entity as part of the transaction. We will ensure that any successor entity adheres to the same privacy protections and practices outlined in this policy.

7. Consent

We may share your information with additional parties if you have given explicit consent for such sharing. For example, if you request that we share your information with a specific party or for a particular purpose.

Protecting Your Information

We take appropriate measures to ensure that any third parties with whom we share your information adhere to similar privacy and security standards. We do not sell or rent your personal information to third parties.

Your Choices

You have the right to inquire about who your information has been shared with and request limitations on certain types of data sharing. Please contact us if you have any questions or concerns about how your information is shared.

By using our services, you acknowledge and agree to the sharing of your information as described in this policy. We are committed to protecting your privacy and ensuring that your data is handled responsibly.

5. Data Security

We implement a range of security measures designed to protect your data from unauthorized access, loss, or misuse. Here’s how we ensure the security of your information:

1. Security Measures

Encryption: We use advanced encryption protocols to secure your personal data during transmission over the internet and while stored in our systems. This helps protect your information from unauthorized access.

Firewalls and Security Software: Our systems are protected by firewalls and up-to-date security software to prevent unauthorized access and threats.

Access Controls: Access to your personal information is restricted to authorized personnel only. We employ role-based access controls to ensure that only those with a legitimate need can view or manage your data.

2. Data Handling and Storage

Secure Storage: Your personal information is stored in secure servers with physical and technical safeguards to prevent unauthorized access.

Regular Audits: We conduct regular security audits and assessments to identify and address potential vulnerabilities in our systems.

Data Retention: We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal and regulatory requirements.

3. Employee Training

Training Programs: Our employees undergo regular training on data security practices and privacy policies to ensure they understand their responsibilities and how to protect your information.

Confidentiality Agreements: All employees are required to sign confidentiality agreements to further safeguard your personal data.

4. Incident Response

Incident Management: We have established procedures for responding to data breaches or security incidents. In the event of a breach, we will notify affected individuals promptly and take appropriate measures to mitigate the impact.

Compliance with Regulations: We comply with applicable laws and regulations regarding data breach notifications and will cooperate with relevant authorities as required.

5. Third-Party Security

Vendor Management: We carefully select and monitor third-party service providers to ensure they adhere to stringent security standards. Contracts with these providers include provisions for protecting your data.

Data Sharing Protocols: When sharing data with third parties, we ensure that appropriate security measures are in place and that data is shared only as necessary for the intended purpose.

6. Your Responsibilities

Account Security: We recommend that you take steps to protect your own account, such as using strong, unique passwords and logging out after using our services.

Reporting Issues: If you suspect any security issues or unauthorized access to your account, please contact us immediately so we can investigate and address the issue.

7. Changes to Security Practices

Policy Updates: We may update our security practices and procedures from time to time to adapt to new security threats and technological advancements. Any changes will be reflected in this Privacy Policy.

By using our services, you acknowledge that while we take extensive measures to protect your personal information, no system can be completely secure. We are committed to continuously improving our security practices to safeguard your data.

6. Your Rights and Communication Preferences

As a policyholder or client, you have certain rights regarding your personal data. These rights may vary depending on applicable data protection laws, but generally include:

Access: You have the right to request access to the personal information we hold about you.

Correction: You can request that we correct any inaccurate or incomplete personal information.

Deletion: You may request the deletion of your personal information, subject to legal and contractual obligations.

Restriction: You have the right to request that we restrict the processing of your personal information under certain conditions.

Objection: You can object to the processing of your personal information for direct marketing purposes or based on our legitimate interests.

Data Portability: You have the right to request a copy of your personal information in a structured, commonly used, and machine-readable format, and to have this information transferred to another data controller where technically feasible.

To exercise any of these rights, please contact us using the details provided in section 8.

Communication Preferences

We respect your preferences regarding communication and marketing. You can manage your communication preferences by:

Opting In/Out: You can choose to opt-in or opt-out of receiving marketing communications from us at any time. Instructions for unsubscribing are included in each marketing email we send.

Preferences Management: You may update your communication preferences through your account settings on our website or by contacting us directly.

Update Information: If your contact details change, please let us know so we can keep your preferences up to date.

Opt-Out of SMS Communications

We may send you SMS (text) messages related to your insurance policy, including updates, reminders, and promotional information. If you wish to opt out of receiving these SMS communications, you can do so at any time by following these steps:

Reply with “STOP”: You can reply to any SMS message we send with the word “STOP” to unsubscribe from future messages.

Please note that opting out of SMS communications may affect the timeliness and delivery of important information related to your insurance policy.

7. Changes to the Privacy Policy

How We Notify You of Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technologies, or legal requirements. When significant changes are made, we will notify you through the following methods:

Website Notice: We will update the “Effective Date” at the top of this Privacy Policy and post the revised policy on our website. The updated policy will be accessible to you at any time.

Email Notification: For significant changes, we will send an email notification to the address associated with your account, detailing the nature of the changes.

Direct Communication: In certain cases, we may use other forms of direct communication, such as postal mail or phone calls, to inform you of substantial updates if required by law or policy.

Effective Date of Changes

The changes to this Privacy Policy will become effective on the date indicated at the top of the updated policy. Your continued use of our services or engagement with us after the effective date constitutes acceptance of the revised terms.

Reviewing the Policy

We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your personal information. The most recent version of the policy will always be available on our website.

Your continued use of our services after any modifications to this Privacy Policy signifies your acceptance of the updated terms. We are committed to ensuring that you are informed about how your personal data is handled and appreciate your attention to these updates.

8. Contact Information

If you have any questions or concerns about the changes to our Privacy Policy, please contact us at:

Email: info@throne-ins.com

Phone: 972 – 589 – 7685

Address: 705 N Greenville Ave. Ste. 800, Allen, TX, 75002

Your continued use of our services after any modifications to this Privacy Policy signifies your acceptance of the updated terms and we will respond to your requests in accordance with applicable data protection laws and within a reasonable timeframe.

We are committed to addressing any concerns or complaints you may have regarding our Privacy Policy and how we handle your personal information. If you believe that we have not adhered to our Privacy Policy or have concerns about our data practices, please follow the process outlined below:

Submit a Complaint

To file a complaint, please contact us using one of the following methods:

Email: agency@throne-ins.com

Phone: 972 – 589 – 7685

Mail: 705 N Greenville Ave. Ste. 800, Allen, TX, 75002

Please provide as much detail as possible about your complaint, including any relevant information about how your data was handled or any specific issues you encountered.

Acknowledgment and Review

Upon receiving your complaint, we will acknowledge receipt within 14 business days. We will then review the details of your complaint to understand the nature of the issue and how it may have arisen.

Investigation

We will conduct a thorough investigation into your complaint. This may involve reviewing our data handling practices, policies, and any relevant communications. We may also reach out to you for additional information if necessary.

Resolution

After completing our investigation, we will provide you with a written response detailing our findings and any actions we have taken or will take to address the issue. We aim to resolve complaints promptly and will work with you to reach a satisfactory outcome.

Escalation

If you are not satisfied with the resolution provided, you have the right to escalate your complaint to the relevant supervisory authority. For residents of Texas the supervisory authority responsible for data protection is the Texas Attorney General Consumer Protection Hotline:(800) 621-0508 and/or utilizing the instructions posted on their website.

Ongoing Improvements

We take all complaints seriously and use them as an opportunity to improve our privacy practices. Your feedback is valuable to us in ensuring we continue to protect your personal information effectively.

9. Governing Law

This Privacy Policy and any disputes arising from or related to its subject matter shall be governed by and construed in accordance with the laws of Texas, without regard to its conflict of laws principles.

Jurisdiction

Any legal action or proceeding related to this Privacy Policy must be brought in the courts located in Allen,Texas, USA, and you consent to the exclusive jurisdiction of such courts.

Dispute Resolution

If any dispute arises regarding the privacy practices outlined in this policy, we encourage you to contact us first to seek resolution. If a resolution cannot be reached through direct communication, disputes may be resolved through mediation or arbitration, in accordance with the rules and procedures of the State Attorney, if applicable.

International Considerations

If you are accessing our services from outsideTexas, please be aware that your data may be transferred to and processed in Texas. By using our services, you consent to the transfer of your information to Texas and the application of its laws.

Legal Compliance

Our privacy practices are designed to comply with applicable laws and regulations. If any provision of this Privacy Policy is found to be invalid or unenforceable under applicable law, such provision will be deemed modified or removed to the extent necessary, and the remaining provisions will continue to be enforceable.