Privacy Policy

Assurance Prestige Insurance values your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you interact with our website, request an insurance quote, purchase or maintain insurance coverage, submit documents, contact us, or use any of our services.

For the purposes of this Privacy Policy, “Assurance Prestige Insurance,” “we,” “our,” or “us” refers to Assurance Prestige Insurance and any related divisions, representatives, brokers, employees, contractors, or service providers acting on our behalf.

Information We Collect

We may collect personal information that is necessary to provide insurance-related services, respond to inquiries, process applications, service policies, and meet legal or regulatory obligations.

This may include:

Personal Identification Information
Your name, date of birth, mailing address, email address, phone number, and other contact details.

Insurance Application and Policy Information
Information required to provide quotes, assess eligibility, issue policies, renew coverage, make policy changes, or provide ongoing service. This may include details about your home, vehicle, business, property, assets, prior insurance, claims history, driving history, risk factors, or other information relevant to the insurance products you request.

Financial and Payment Information
Payment details, billing information, banking or credit card information, and records of transactions, where required to process payments or premiums.

Claims-Related Information
Information related to claims, incidents, losses, damages, repairs, photographs, supporting documents, communications, and information from insurers, adjusters, appraisers, repair providers, or other parties involved in a claim.

Website and Technical Information
Information about how you use our website, such as IP address, browser type, device information, pages visited, cookies, analytics data, and general website usage patterns.

Communications
Records of your communications with us, including emails, phone calls, online forms, messages, documents, and notes related to the services we provide.

How We Use Your Information

We use personal information only for reasonable and appropriate purposes related to our business and the services you request.

We may use your information to:

– Respond to inquiries and provide customer service.
– Prepare insurance quotes and applications.
– Assess eligibility for insurance products.
– Submit information to insurance companies, managing general agents, underwriters, or other insurance partners.
– Issue, maintain, amend, renew, or cancel insurance policies.
– Process payments, invoices, refunds, or premium financing arrangements.
– Assist with claims and related communications.
– Verify identity and prevent fraud, misrepresentation, or unauthorized activity.
– Communicate with you about your policies, renewals, documents, coverage, or service needs.
– Send marketing communications, newsletters, or updates where you have consented or where permitted by law.
– Improve our website, services, customer experience, and internal operations.
– Meet legal, regulatory, contractual, accounting, audit, and compliance obligations.

Consent

By providing personal information to Assurance Prestige Insurance, requesting a quote, applying for insurance, purchasing a policy, submitting documents, or continuing to use our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

In some cases, consent may be express, such as when you sign an application, submit a form, or agree to receive marketing communications. In other cases, consent may be implied, such as when you provide information necessary for us to obtain a quote or service your insurance policy.

You may withdraw your consent at any time, subject to legal, contractual, regulatory, or insurance-related restrictions. Please note that withdrawing consent may affect our ability to provide quotes, maintain coverage, process claims, or deliver certain services.

Sharing Your Information

We do not sell or rent your personal information.

We may share personal information only where necessary and appropriate, including with:

– Insurance companies, underwriters, brokers, agents, or managing general agents.
– Claims adjusters, appraisers, repair providers, legal professionals, investigators, or other claim-related service providers.
– Payment processors, financing providers, technology providers, website hosts, cloud service providers, and administrative service providers.
– Regulatory bodies, government authorities, law enforcement, courts, or legal representatives where required or permitted by law.
– Third parties involved in a business transaction, such as a merger, acquisition, sale, transfer, financing, restructuring, or due diligence process, provided appropriate privacy protections are in place.

Any third parties who process personal information on our behalf are expected to protect the information and use it only for authorized purposes.

Cookies and Analytics

Our website may use cookies and similar technologies to improve website functionality, understand visitor interactions, analyze website traffic, and improve user experience.

Cookies may collect non-personal technical information such as browser type, IP address, device information, pages visited, and time spent on the website.

You can adjust your browser settings to refuse or disable cookies. However, some website features may not function properly if cookies are disabled.

Data Storage and Security

We take reasonable physical, administrative, and technical safeguards to protect personal information from unauthorized access, disclosure, loss, theft, misuse, alteration, or destruction.

These safeguards may include secure systems, password protection, limited access, staff confidentiality obligations, secure document handling, and appropriate vendor controls.

While we take reasonable precautions to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security, but we continuously work to protect the information entrusted to us.

Retention of Personal Information

We retain personal information only as long as necessary for the purposes for which it was collected, including to provide services, maintain business records, manage insurance policies, respond to claims, resolve disputes, meet legal or regulatory obligations, and comply with accounting or audit requirements.

When personal information is no longer required, we will securely destroy, delete, anonymize, or otherwise dispose of it in accordance with our retention practices and applicable legal requirements.

Third-Party Links

Our website may contain links to third-party websites, including insurance partners, payment platforms, social media pages, or other external services.

We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any external websites you visit.

Your Rights and Choices

Subject to legal, contractual, and regulatory limits, you may have the right to:

– Request access to the personal information we hold about you.
– Request correction of inaccurate or incomplete personal information.
– Withdraw consent for certain uses or disclosures of your information.
– Unsubscribe from marketing communications.
– Ask questions about how your personal information is collected, used, disclosed, stored, or protected.
– Request deletion of information, where legally and practically possible.

To exercise these rights, please contact us using the information below. We may need to verify your identity before responding to certain requests.

Marketing Communications

We may send you updates, newsletters, product information, or promotional communications where you have consented or where permitted by law.

You may unsubscribe from marketing communications at any time by using the unsubscribe option provided in the communication or by contacting us directly.

Please note that even if you unsubscribe from marketing communications, we may still contact you about your existing policies, quotes, applications, claims, payments, renewals, or other service-related matters.

Business Transfers

If Assurance Prestige Insurance is involved in a sale, merger, acquisition, financing, restructuring, transfer of assets, or other business transaction, personal information may be disclosed or transferred as part of that transaction.

In such circumstances, we will take reasonable steps to ensure that personal information remains protected and is used only for appropriate business purposes.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, business practices, legal requirements, or privacy procedures.

Any updates will be posted on this page with a revised effective date. We encourage you to review this Privacy Policy periodically.