Privacy Policy

Introduction

At Spinka Insurance, your privacy matters. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our website, request a quote, purchase a policy, or interact with our services. By using our services, you agree to the practices described in this policy.

Information We Collect

We collect information to provide you with accurate quotes, process your policy, and improve our services. The types of information we collect include:

Personal Information

• Name, address, phone number, and email address
• Date of birth and Social Security number (for underwriting purposes)
• Payment and billing information
• Property details including address, type of dwelling, construction materials, and security features
• Claims history and insurance coverage history

Automatically Collected Information

• IP address, browser type, and device information
• Pages visited, time spent on our website, and referring website
• Cookies and similar tracking technologies to improve user experience

How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance quotes and process policy applications
• To underwrite policies and assess risk accurately
• To process claims and provide customer support
• To send policy updates, renewal notices, and important account information
• To improve our website, services, and customer experience
• To comply with legal and regulatory requirements
• To detect and prevent fraud or other illegal activities

How We Share Your Information

We may share your information with trusted third parties in the following situations:

Service Providers

We work with third-party vendors who help us operate our business, such as payment processors, claims adjusters, underwriting services, and IT support. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

Insurance Partners

We may share your information with insurance carriers and reinsurers to provide coverage, underwrite policies, and process claims.

Legal Requirements

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

Business Transfers

If Spinka Insurance is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. Cookies help us remember your preferences, analyze site traffic, and improve functionality. You can control cookie settings through your browser, but disabling cookies may limit certain features of our website.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and review the personal information we hold about you
• The right to request corrections to inaccurate or incomplete information
• The right to request deletion of your personal information, subject to legal and contractual obligations
• The right to opt out of certain data sharing or marketing communications
• The right to receive a copy of your data in a portable format

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

Children's Privacy

Our services are not intended for individuals under the age of eighteen. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from someone under eighteen, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will post the updated policy on our website and update the "Last Updated" date. We encourage you to review this policy periodically.