Privacy policy for InsuraTec LLC

Introduction

Welcome to InsuraTec LLC (“InsuraTec,” “we,” “our,” or “us”). We are a technology-driven organization dedicated to empowering independent insurance agents, life and health agencies, independent marketing organizations, insurance carriers and the clients they serve through innovative tools and transparent business solutions.

This Privacy Policy explains how we collect, use, disclose, and protect personal information obtained through our websites, applications, and technology platforms (collectively, the “Products,” “Services,” or “Solutions”). It also outlines your rights and choices regarding your personal information and how you can contact us with questions or concerns.

As part of our commitment to efficiency and user experience, InsuraTec integrates tools such as Google Calendar to streamline scheduling and enhance productivity for our agents. While technology enables us to serve our users better, we recognize that privacy and data security are fundamental to trust.

Our approach to data protection is guided by principles of transparency, accountability, and user control. We comply with applicable privacy laws and industry standards, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), to ensure your information is handled responsibly and securely.

We encourage you to read this Privacy Policy carefully to understand how InsuraTec manages your data and protects your privacy across all our Services.

We collect and use personal information to operate, enhance, and secure our Services. This includes information you provide directly, data automatically collected through your use of our platforms, and information accessed through integrations such as Google Calendar.

Information collection and use

1. Information we collect

Depending on your interaction with InsuraTec, we may collect the following categories of information:

a. Personal and account information

• Name, email address, phone number, and profile details used to create and manage your account.
• Authentication data when you log in through third-party providers such as Google OAuth (email and profile picture).
• Communications you send to us, including support inquiries or feedback.

b. Usage and technical data

• Device and connection information such as browser type, operating system, IP address, and access time.
• Interaction data such as feature usage, app performance, and preferences to improve our Services.
• Cookies and similar technologies to help us analyze and optimize our platforms (see “Cookies and Tracking Technologies” below).

c. Calendar integration data

When you choose to connect your Google Calendar, we access information solely for the purpose of syncing your events and improving scheduling efficiency. This may include:

• Event details: Titles, descriptions, locations, and times.
• Availability information: Calendar free/busy status to prevent scheduling conflicts.
• Calendar properties: Default time zones, event reminders, and other related metadata.

We use Google OAuth for authentication and do not access or store your Google password.

d. Usage and technical data

This may include approximate or precise geolocation data collected through your device or browser to provide location-based functionality or targeted advertising (see ‘Location and Geofencing Technologies’ section).

2. How we use the information

We use the information we collect to:

• Deliver, maintain, and improve our Services and agent tools.
• Provide personalized scheduling recommendations and reminders.
• Manage your InsuraTec account and facilitate integrations you authorize.
• Communicate updates, respond to inquiries, and provide customer support.
• Ensure the security and integrity of our systems.
• Comply with applicable legal and regulatory requirements.

3. Use of Google APIs

InsuraTec’s use and transfer of information received from Google APIs adhere to the Google API Services User Data Policy, including its Limited Use requirements. We access or modify your Google Calendar data only as necessary to perform authorized actions such as viewing, creating, updating, or deleting events that you permit within the integration.

4. Sensitive and Non-Sensitive Data Handling

We treat all calendar data as confidential and apply additional safeguards to sensitive information.

• Non-Sensitive Information: Includes basic event details and availability data used to manage schedules.
• Sensitive Information: Includes detailed calendar descriptions, notes, or personal event details that may reveal private context. This information is encrypted in transit and used exclusively to facilitate scheduling functions within InsuraTec’s systems.

We do not sell, rent, or share your Google Calendar information with third parties without your explicit consent, except as required by law or as otherwise described in this Privacy Policy.

5. Transparency and Contact

We are committed to transparency in how we handle your information. If you have questions or concerns about how we use data obtained through Google Calendar or other Services, you may contact us using the details provided in the “Contact Information” section of this Policy.

6. Text Messaging Communications

When you provide your phone number through our website, application forms, or other digital platforms, you consent to receive SMS messages from InsuraTec regarding your application status, career opportunities, and related updates. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP, or request assistance by replying HELP or email to info@insuratec.org

Cookies and tracking technologies

InsuraTec uses cookies and similar technologies to enhance user experience, analyze usage patterns, and deliver relevant advertising. These technologies help us understand how users interact with our websites and services so we can improve functionality, security, and performance. Because our operations are based in the United States, we do not display a cookie consent banner. Instead, this section explains how cookies work and how you can control them through your own device or browser settings.

1. What Are Cookies and Similar Technologies

Cookies are small text files stored on your device by your browser. Similar technologies include tracking pixels, tags, web beacons, SDKs, and scripts (collectively, “cookies and tracking technologies”). These tools collect or store information about your use of our websites and applications.

2. Types of Cookies We Use

• Essential Cookies: Necessary for the website to function, such as authentication and security cookies.
• Analytics Cookies: Used to understand how visitors use our site and measure performance. We use services like Google Analytics and Google Search Console to collect aggregated data about traffic, user behavior, and engagement.
• Advertising and Retargeting Cookies: Used to deliver personalized advertisements and measure campaign performance. We and our partners (including Meta Pixel, Google Ads, LinkedIn Insight Tag, TikTok Pixel, X Ads Platform, and similar services) may collect information about your browsing activity across our websites and others to show relevant ads based on your interests.
• Functional Cookies: Help remember your preferences and enhance user experience.

3. How We Use Tracking and Analytics Tools

We use technologies such as Google Tag Manager, Google Ads, Meta (Facebook) Pixel, and social media lead forms to:

• Track conversions, page visits, and engagement with our marketing campaigns.
• Measure and improve the effectiveness of our advertising.
• Create aggregated reports about website usage and campaign performance.
• Optimize the delivery of content and ads to relevant audiences.

These technologies may collect identifiers (such as IP addresses or device IDs), browser information, site interactions, and approximate geolocation data

4. Managing Cookies and Preferences

You can manage or disable cookies through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or be notified when new cookies are placed.

• To opt out of Google Analytics, visit: https://tools.google.com/dlpage/gaoptout.
• To adjust advertising preferences on Google, visit: https://adssettings.google.com.
• To control ad personalization on Meta platforms, visit: https://www.facebook.com/adpreferences.

Please note that disabling certain cookies may limit the functionality of our websites or Services.

5. Do Not Track (DNT) Signals

Some browsers offer a “Do Not Track” (DNT) setting to indicate your privacy preferences. Because there is no consistent industry standard for recognizing or responding to DNT signals, we do not currently respond to them.

Marketing and Social Media Lead Forms

When you submit information through social media lead forms or advertisements (such as on Facebook, Instagram, LinkedIn, TikTok, X, or similar platforms), we receive the contact information you provide directly through those platforms. This information is used to follow up on your inquiry, provide requested information, or deliver marketing communications consistent with your preferences. Your interactions with these platforms are governed by their respective privacy policies

Location and Geofencing Technologies

We may collect or use location information, including precise geolocation data, to provide location-based features, deliver relevant content or advertisements, and measure campaign effectiveness.

Location data may be collected through your device’s GPS, Wi-Fi, Bluetooth, or IP address when you access our Services or interact with our advertisements.

You can control the collection and use of location data through your device or browser settings. Depending on your jurisdiction, you may also have the right to limit or opt out of our use of precise geolocation data for targeted advertising.

We do not use geofencing or location data to track individuals outside the context of our Services or without notice and consent where required by applicable law.

Consent

Your trust is essential to InsuraTec’s business. We obtain and manage consent in a transparent and respectful manner, ensuring that you always remain in control of your personal information.

1. Obtaining Consent

When you use our websites, applications, or integrated tools such as Google Calendar, we may ask for your consent to collect and process certain information.

• General Consent: By using our Services, creating an account, or interacting with our platforms, you consent to the collection and use of your information as described in this Privacy Policy.
• Explicit Consent for Sensitive or Integrated Data: When we request access to sensitive information—such as viewing or editing your Google Calendar events—we will seek your explicit, informed consent through a clear affirmative action (for example, connecting your Google account or approving access scopes). This ensures you understand the type of information being accessed and for what purpose.
• Contractual or Legitimate Processing: In some cases, we process information without separate consent when necessary to fulfill a contract, provide requested services, or comply with legal obligations.

2. Managing and Withdrawing Consent

You may manage or withdraw your consent at any time.

• If you revoke consent for a connected service (such as Google Calendar), InsuraTec will immediately stop accessing and processing that data.
• You may withdraw consent by adjusting your account settings, disconnecting third-party integrations, or contacting us directly at the email or phone number provided in the “Contact Information” section of this Policy.
• Please note that withdrawing consent may affect the availability or functionality of certain features of our Services.

3. Consent for Policy Changes

If we change the way we collect, use, or share your information in a way that requires additional consent under applicable law, we will notify you and request renewed authorization before implementing those changes.

We are committed to ensuring your privacy choices are respected at every step. If you have any questions or concerns about how consent is obtained, used, or managed, please contact us at any time.

Data Sharing and Disclosure

We respect your privacy at InsuraTec and are committed to transparency in how we share personal information. We do not sell, rent, or trade your personal data to third parties for their marketing purposes. However, in certain limited circumstances, we may share information to operate our business, comply with legal requirements, or fulfill your requests.

1. Service Providers

We engage carefully selected third-party service providers who perform functions on our behalf, such as:

• Data hosting, analytics, and platform maintenance
• Customer service and communications
• Marketing assistance and software support

These service providers are granted access to personal information only as needed to perform their designated functions and are contractually obligated to maintain confidentiality, use the data solely for the agreed purpose, and comply with all applicable privacy laws.

2. Legal and Regulatory Requirements

We may disclose personal information to public authorities, regulators, or law enforcement officials when required to do so by law, subpoena, court order, or other legal process. This includes circumstances necessary to:

• Respond to lawful government requests, including those related to national security or law enforcement.
• Protect the rights, safety, and property of InsuraTec, our users, or others.
• Prevent, investigate, or address potential violations of our terms, fraud, or technical issues.

3. Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or similar corporate transaction, personal information may be transferred as part of the transaction. Any successor entity will be bound by this Privacy Policy or a policy that provides comparable protections for personal data.

4. Aggregated or De-Identified Information

We may share aggregated, anonymized, or de-identified data that cannot reasonably be used to identify you. Such information may be used for statistical analysis, business planning, research, or reporting purposes.

5. With Your Consent

We will share your personal information with third parties only with your explicit consent or at your direction. This may include sharing data with partners or applications that you choose to integrate with our Services.

6. International Data Transfers

If your personal information is transferred across borders, we take appropriate measures to ensure that it receives the same level of protection required under applicable privacy laws. These measures may include data transfer agreements incorporating standard contractual clauses or other legally recognized safeguards.

At all times, InsuraTec takes reasonable administrative, technical, and organizational steps to ensure that any shared personal data is processed securely, in accordance with this Privacy Policy, and consistent with applicable data protection regulations.

Data Storage and Security

We take the protection of your personal information seriously and implement a combination of technical, administrative, and organizational measures to safeguard it against unauthorized access, loss, misuse, alteration, or destruction.

1. Security Measures

Your information is stored on secure servers protected by encryption, firewalls, and access controls. We use industry-standard encryption and security technologies to protect information during transmission and while stored on our servers. Access to personal data is limited to authorized personnel who require it to perform their job functions and are bound by confidentiality obligations.

We also perform regular system monitoring, vulnerability assessments, and updates to ensure our infrastructure meets current security standards.

2. Shared Responsibility

While we maintain strong safeguards, data security also depends on you. We encourage users to protect their credentials by using strong passwords, enabling multi-factor authentication (if available), and exercising caution with emails or messages that may attempt to obtain sensitive information.

3. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with legal, accounting, or reporting obligations, or to resolve disputes. Once these obligations are met, we securely delete, anonymize, or aggregate the data in accordance with industry best practices.

4. Incident Response and Breach Notification

No method of transmission or electronic storage is completely secure. However, in the event of a data breach or unauthorized disclosure, we will act promptly in accordance with applicable data protection laws. This includes investigating the incident, mitigating potential harm, and notifying affected individuals and authorities when required.

We continuously evaluate and improve our security measures to ensure that your data is handled with the highest level of protection and integrity.

User Rights

We respect your privacy and are committed to giving you control over your personal information. Subject to applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), you may exercise the following rights regarding the personal information we collect and process through our Services.

1. Right of Access

You have the right to request confirmation of whether we hold personal information about you and to obtain a copy of that information in a clear and understandable format.

2. Right to Rectification (Correction)

You may request correction or completion of any inaccurate or incomplete information we hold about you. We will update our records promptly to ensure accuracy.

3. Right to Erasure (“Right to Be Forgotten”)

You may request that we delete your personal information when it is no longer necessary for the purposes for which it was collected or when you withdraw consent. Please note that we may retain certain data as required by law or for legitimate business purposes, such as maintaining transaction records or fulfilling legal obligations.

4. Right to Restrict or Object to Processing

You may object to certain processing activities or request that we restrict how your information is used. For example, you may ask us to limit processing while we verify data accuracy or legal grounds for processing.

5. Right to Withdraw Consent

Where processing relies on your consent (for example, when connecting Google Calendar), you may withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing carried out before the withdrawal.

6. Right to Data Portability

You may request to receive your personal information in a structured, commonly used, and machine-readable format, and you may request that we transfer this information directly to another organization when technically feasible.

7. Right to Non-Discrimination

You will not receive discriminatory treatment or reduced service quality for exercising any of your privacy rights.

Exercising Your Rights

To exercise any of these rights, please contact us using the details provided in the Contact Information section of this Policy. We may need to verify your identity before processing your request.

We will respond to all verified requests within the time frames required by applicable law and provide information about any actions taken or reasons we are unable to comply.

Compliance with Data Protection Laws

We are committed to complying with all applicable data protection and privacy laws in every region where we operate. Compliance is not only a legal obligation but an essential part of our commitment to maintaining trust and integrity in our relationships with users, agents, and partners.

InsuraTec’s privacy and security practices are designed to align with the requirements of key data protection frameworks and industry regulations, including:

• General Data Protection Regulation (GDPR): Applicable to individuals in the European Economic Area (EEA) and the United Kingdom.
• California Consumer Privacy Act (CCPA): Along with related U.S. state privacy laws governing personal information rights and disclosures.
• Gramm-Leach-Bliley Act (GLBA): Protecting non-public personal information handled by financial institutions and their service providers.
• NAIC Insurance Data Security Model Law: Including related state-level insurance data protection standards.
• Federal Communications Commission (FCC) and Federal Trade Commission (FTC) regulations, including the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act, governing consent-based communications and electronic marketing.
• Other regional and national data protection laws that may apply where our Services are accessed or used.

We continuously monitor changes in privacy and data protection regulations worldwide and update our practices, training, and documentation to maintain compliance with evolving standards.

2. Implementation and Accountability

We have established internal policies, access controls, and training programs to ensure compliance throughout our organization. Data handling procedures are designed to limit access to authorized personnel and to ensure that personal information is collected and processed lawfully, fairly, and transparently.

Where required, we conduct periodic audits and risk assessments to verify that our systems, integrations (including Google Calendar), and business operations adhere to applicable data protection principles.

3. Respecting Your Rights

We uphold all user rights granted under relevant privacy laws, including rights of access, correction, deletion, objection, and data portability. These rights are described in detail in the User Rights section of this Policy.

4. Questions and Contact

Our privacy team is available to answer questions or assist you in exercising your rights under applicable data protection laws. You may contact us using the information provided in the Contact Information section. We will respond promptly and in accordance with legal time frames.

We view compliance as an ongoing responsibility and are committed to continually improving our privacy and security practices to meet the highest standards of protection and transparency.

Third-Party Services

To deliver and improve our Services, InsuraTec integrates with and relies on various third-party service providers and technology partners, including Google Calendar. These relationships help us offer functionality such as scheduling, communications, analytics, and data hosting while maintaining efficiency and reliability.

1. Independent Privacy Practices

When you interact with third-party services through our platform, your information may also be subject to their own privacy policies and terms of use. For example, our integration with Google Calendar means your data is governed by both this Privacy Policy and Google’s Privacy Policy.

Each third-party provider determines how it collects, uses, and discloses data within its own systems. We encourage all users to review these independent privacy policies to understand how their information is handled outside of InsuraTec’s environment.

2. Vendor Selection and Safeguards

We carefully evaluate and engage only with service providers that maintain strong privacy and security standards. All third parties with access to personal data act under written agreements that:

• Limit their use of data to the specific purposes of providing contracted services;
• Require compliance with applicable privacy and data protection laws; and
• Mandate appropriate technical and organizational safeguards to protect personal information.

3. Limited Data Access

Third-party providers are granted access only to the data necessary to perform their specific functions on our behalf and are not authorized to use it for unrelated purposes, such as their own marketing or analytics, without your explicit consent.

4. Your Choice and Oversight

Where integrations require your authorization (such as connecting your Google account), you may revoke access at any time through your account settings or directly with the third-party provider. Doing so may affect certain features or functionality within our Services.

5. Contact and Transparency

If you have concerns about how any third-party service interacts with your personal data, you can contact us using the details provided in the Contact Information section. We will provide clarification and support to ensure your privacy rights are respected across all partnerships.

Changes to This Privacy Policy

Notification of Changes

We may update this Privacy Policy periodically to reflect changes in legal requirements, technological developments, or our business practices. Any updates will be published on this page, and the “Last Updated” date at the top of the Policy will indicate when revisions were made.

For material changes—those that significantly affect how we collect, use, or share personal information—we will provide additional notice as required by applicable law. This may include sending an email notification, posting a prominent notice on our website, or requesting renewed consent where necessary.

Minor revisions or clarifications that do not materially alter your rights or our data practices will become effective immediately upon posting.

Effective Date and Continued Use

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your personal information. By continuing to use our Services after any updates become effective, you acknowledge and agree to the terms of the revised Policy.

Questions

If you have questions or concerns about changes to this Privacy Policy, please contact us using the information provided in the Contact Information section below.

Contact information

We are committed to maintaining open and transparent communication regarding your privacy. If you have any questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, you may contact us using any of the methods below:

Email: info@insuratec.com

For privacy inquiries, data access requests, or questions about your personal information.

Phone: (904) 929-3688

For general questions or assistance with InsuraTec Services.

Mailing Address:

InsuraTec LLC

87010 Professional Way

Yulee, Florida 32097