DEREK INSURANCE AND INVESTMENT LLC– PRIVACY POLICY

Protecting your privacy is very important to us. Customers have trusted us with their insurance and we take our obligation to safeguard and secure personal information very seriously. We want you to understand how we protect your privacy and when we collect, use, and share information.

 

 

SUMMARY

This summary tells you the basics of our privacy commitment to you: how we collect and use your information, how we protect it, and who can see it. You should read the entire privacy policy below for full details.

  • We obtain information from you directly, from your transactions with us, and from third parties such as state motor vehicle departments.
  • We do not and will not sell your personal
  • Any third parties who perform services for us are required to safeguard any personal information that they process on our behalf.
  • We use technical, physical, and administrative measures to secure and limit access to personal

 

 

THE INFORMATION WE COLLECT

Non-public personally identifiable information («Information») is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.

 

 

INFORMATION WE OBTAIN FROM YOU

During the quoting, application, or claims handling processes you may give us Information such as your:

  • Name
  • Address
  • Phone number
  • Email address
  • Social Security number
  • Driver’s license number
  • Date of birth

 

If you give us your email address, Derek Insurance & Investment LLC may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any Derek Insurance & Investment LLC email you receive.

We may also collect Information when you visit our website. However, Derek Insurance & Investment LLC website processes standard opt-out preference signals in a frictionless manner. You can implement a standard opt-out preference signal through any legitimate web browser. When our website recognizes a standard opt-out preference signal, such as the Global Privacy Control («GPC») signal, your Information will not be collected for cross-context behavioral advertising purposes.

 

 

INFORMATION ABOUT YOUR TRANSACTIONS

We may collect Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.

 

 

INFORMATION FROM OTHER SOURCES

We may receive Information about you from service providers and third parties, like consumer reporting agencies that provide us with motor vehicle reports, claim reports, and/or credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state law. Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the Derek Insurance & Investment LLC inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you are purchasing a commercial policy, we may also confirm the motor vehicle records of the employees you will have driving on your company’s behalf.

 

 

LOCATION SERVICES

Your current location is only collected and used by us if you permit our services to do so. If you allow your location to be collected using a Derek Insurance & Investment LLC app, or with a browser, we will use this information to determine your estimated location. We use this information to distinguish your current location and provide location-related services to you.

 

 

COOKIES

Our Website and Apps use technologies called ‘cookies’ and other tracking technologies such as software development kits (‘SDKs’) to collect certain information. A cookie is a piece of computer code that your internet browser is given when you access the Website. Our cookies help provide additional functionality to the Website, track the traffic patterns for our Website and study how our users use and interact with the Website and Services. For instance, our Website may set a cookie on your browser that allows you to access the Website without needing to remember and then enter a password more than

 

once during a visit to the Website. If available, please refer to your web browser’s instruction guide or help section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. An SDK functions like a cookie, but in mobile applications. We recommend that you leave cookies and SDKs turned on because they allow you to better take advantage of some of our Services and allow us to improve our Services.

 

 

 

THE INFORMATION WE DISCLOSE

The Information collected about our customers, former customers, applicants, independent contractors, and employees, will only be disclosed as permitted or required by law.

For our customers and former customers, much of this collected Information is maintained in your policy and/or claims records. We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you.

Following are some examples of how we may disclose Information:

  • We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
  • We disclose your Information to persons or organizations as necessary to perform transactions or provide services that you request or authorize.
  • When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.
  • We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative and marketing functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint- marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
  • Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
  • We may also share your Information for other permitted purposes, including:
    • with another insurance company if you are involved in an accident with their insured
    • with our reinsurers
    • with insurance-support organizations that detect and prevent fraud

 

  • with service providers to deliver website and mobile app content based on your location, but only after obtaining your consent
  • with consumer reporting agencies as permitted by law
  • with medical professionals or institutions to verify coverage or conduct operations or services audits
  • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
  • if ordered by a subpoena, search warrant or other court order or mandatory government or law enforcement process
  • if necessary to defend our legal rights, or protect our employees or customers
  • in the event of a business transaction involving the sale of all of or a portion of our business or assets in which case we will comply with applicable laws regarding notice and consent in such transfers.

 

 

CONFIDENTIALITY AND SECURITY

We restrict access to your Information to personnel who we have determined need it to provide products or services to you. We train our personnel to safeguard customer information, and we require them to sign confidentiality agreements.

We maintain a variety of physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

 

 

CHANGES TO THIS PRIVACY POLICY

We may modify our privacy policy from time to time. The most recent version is always posted at [WEBSITE] When we make changes, we will revise the date at the bottom of this Privacy Policy.

 

 

WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS

If you have a concern about privacy or security at Derek Insurance & Investment LLC we want to hear about it by mail or email.

Please contact us at: derekinsurancellc@gmail.com or 832-630-1620