Privacy Policy

1. Introduction

At Amezcua Insure, we understand that privacy is fundamental to building trust with our clients. This privacy policy explains how we collect, use, protect, and share your personal information when you use our website and services.

By using our services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this policy carefully and contact us if you have any questions.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use our services.

Personal Information You Provide

• Contact Information: Name, email address, phone number, and mailing address
• Insurance Information: Details about your current insurance coverage, claims history, and coverage needs
• Demographic Information: Date of birth, marital status, household size, and employment information
• Financial Information: Income information and payment details when purchasing insurance
• Account Information: Username, password, and preferences when you create an account

Information Automatically Collected

• Device Information: IP address, browser type, operating system, and device identifiers
• Usage Information: Pages visited, time spent on pages, links clicked, and navigation paths
• Location Information: General geographic location based on IP address
• Cookies and Similar Technologies: Information collected through cookies, web beacons, and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Insurance Services: To generate quotes, process applications, and help you obtain insurance coverage
• Customer Support: To respond to your inquiries, provide assistance, and address your concerns
• Service Improvements: To analyze usage patterns and improve our website, services, and customer experience
• Communications: To send you important updates, policy information, and service-related notifications
• Compliance: To comply with legal obligations and protect against fraud and illegal activities
• Marketing: To send you promotional materials about our services, with your consent where required

4. How We Share Your Information

We share your information only in specific circumstances and with appropriate safeguards:

Insurance Carriers

We share your information with insurance carriers when you request quotes or purchase policies. These carriers use your information to underwrite policies and provide coverage.

Service Providers

We work with trusted service providers who perform services on our behalf, such as payment processing, data analysis, and customer service. These providers are contractually obligated to protect your information.

Legal Requirements

We may disclose your information when required by law, such as in response to subpoenas, court orders, or legal processes, or to protect our rights and the safety of others.

Business Transfers

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

With Your Consent

We may share your information with third parties when you provide explicit consent for such sharing.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security practices include:

• Encryption of sensitive data during transmission using SSL/TLS protocols
• Secure storage of personal information on protected servers
• Regular security assessments and updates to our systems
• Access controls to limit employee access to personal information
• Employee training on data security and privacy practices

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Privacy Rights

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request that we correct inaccurate or incomplete information
• Deletion: You can request that we delete your personal information, subject to legal and contractual obligations
• Opt-Out: You can opt out of receiving marketing communications by following the unsubscribe instructions in our emails
• Data Portability: You can request a copy of your personal information in a structured, commonly used format
• Restrict Processing: You can request that we limit how we use your personal information

To exercise these rights, please contact us using the information provided at the end of this policy.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us recognize you and remember your preferences.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly
• Performance Cookies: Help us understand how visitors use our website
• Functionality Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Track your online activity to deliver relevant advertisements

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

8. 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 these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of eighteen. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete that information promptly.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Retention periods vary depending on the type of information and the purpose for which it was collected. Insurance-related information may be retained for several periods to comply with regulatory requirements.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from your jurisdiction. We take appropriate measures to ensure that your information receives adequate protection wherever it is processed.

12. 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 notify you of any material changes by posting the updated policy on our website and updating the effective date.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.

13. Contact Us About Privacy

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us using the information below. We are committed to addressing your privacy concerns promptly and transparently.