Privacy Policy

We may collect information that you provide directly to us as well as certain information automatically generated when you use our website.

Personal and Contact Information

Depending on how you interact with us, we may collect information such as:

• First, middle and last name
• Suffix
• Date of birth
• Gender, where relevant to an insurance request
• Email address
• Telephone number
• Preferred method of contact
• Best time to contact you
• Residential or mailing address
• City
• County
• State
• ZIP code
• Country
• Company or business name

Insurance and Quote Information

When you request insurance information or a quotation, we may collect information including:

• Insurance category
• Insurance type
• Desired coverage effective date
• Current insurance status
• Current insurance carrier, where applicable
• Existing policy information
• Information about vehicles, homes, businesses, individuals, family members or other property or risks to be insured
• Coverage preferences
• Information necessary to evaluate available insurance options
• Additional information you voluntarily provide in connection with your insurance request

The specific information required depends on the type of insurance product you are requesting.

Certain insurance transactions may require information that is considered sensitive or receives additional protection under applicable law.

Depending on the insurance product and stage of the application or underwriting process, this may include financial information, health-related information, identification information, insurance history or other information required by an insurance carrier or applicable law.

We seek to collect sensitive information only when reasonably necessary to provide requested insurance services, obtain quotations, process applications, service policies, comply with applicable requirements or perform other legitimate insurance-related activities.

When you visit or interact with our website, we or service providers acting on our behalf may automatically collect certain technical information, such as:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Referring website
• Date and time of access
• Website interactions
• General usage information

This information may be used to operate, secure, troubleshoot and improve our website and services.

We may use information collected through our website or insurance services to:

• Respond to your inquiries
• Process insurance quote requests
• Identify insurance products that may meet your stated needs
• Obtain or assist in obtaining quotations from insurance carriers
• Prepare and present insurance quotations
• Process insurance applications
• Communicate with you regarding quotations, applications, policies and service requests
• Provide customer service
• Service insurance policies and accounts
• Process requested policy changes
• Assist with renewals
• Maintain business records
• Verify information where appropriate
• Detect, prevent and investigate fraud or unauthorized activity
• Maintain the security and integrity of our website and systems
• Improve our website and services
• Comply with applicable laws, regulations, legal processes and regulatory requirements
• Exercise or defend legal rights
• Carry out other purposes disclosed to you when information is collected

As an insurance agency, we may need to provide information you submit to insurance carriers and other parties involved in obtaining, underwriting, issuing or servicing insurance coverage.

Depending on your request, information may be disclosed to:

• Insurance carriers
• Managing general agents or similar insurance intermediaries
• Insurance underwriting organizations
• Insurance service providers
• Technology providers supporting our operations
• Communication providers
• Professional advisers
• Government or regulatory authorities when required or permitted by law
• Other parties necessary to provide the insurance service you requested

We disclose information only as reasonably necessary for legitimate business purposes, to provide requested services, or as permitted or required by applicable law.

We do not sell your personal information for money.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with third parties for their marketing or promotional purposes.

This restriction does not prevent us from using service providers that help deliver communications you have requested or consented to receive, provided such information is used only as necessary to provide those services.

The existing BVIF privacy language protecting mobile information and text-message opt-in consent remains an important part of this policy.

When you provide your telephone number, email address or other contact information and provide the applicable consent, we may communicate with you regarding:

• Quote requests
• Insurance applications
• Coverage information
• Policy servicing
• Renewals
• Customer service
• Follow-up communications
• Other insurance services you request

Depending on the communication method you select or authorize, communications may occur by telephone, email, SMS/text message, WhatsApp or other available communication channels.

Consent to receive marketing communications is not a condition of purchasing insurance where prohibited by applicable law.

You may request that certain communications stop at any time using the opt-out method provided in the applicable communication or by contacting us.

Message and data rates may apply to SMS or mobile communications depending on your wireless provider and service plan.

Our website may provide options to communicate with us through WhatsApp or other third-party communication platforms.

If you choose to communicate through a third-party service, your use of that service may also be governed by the privacy practices and terms of the applicable third-party provider.

We encourage you not to send highly sensitive personal information through ordinary messaging channels unless specifically requested through an appropriate secure process.

We and service providers supporting our website may use cookies and similar technologies to:

• Operate website functionality
• Remember preferences
• Understand website usage
• Improve website performance
• Maintain security
• Measure engagement
• Support analytics
• Improve the user experience

Cookies are small data files that may be stored on your device.

Most browsers allow you to control or delete cookies through browser settings. Disabling certain cookies may affect the functionality of portions of the website.

Our website may contain links to websites or online services operated by third parties, including insurance carriers and other service providers.

When you leave our website and access a third-party website, that organization's privacy policy, security practices and terms apply.

Best Value Insurance & Financial Services is not responsible for the privacy or security practices of websites that we do not own or control.

We encourage you to review the privacy policies of third-party websites before providing personal information.

We use reasonable administrative, technical and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration or disclosure.

Access to personal information should be limited to personnel, contractors and service providers who have a legitimate business need for such access.

However, no website, electronic transmission, database or information system can be guaranteed to be completely secure.

For that reason, you should avoid transmitting highly sensitive information through ordinary email, text messaging or other unsecured communication methods unless specifically instructed to do so.

We may retain personal information for as long as reasonably necessary to:

• Process your insurance request
• Maintain our relationship with you
• Service insurance policies
• Maintain required business and transaction records
• Comply with legal and regulatory obligations
• Resolve disputes
• Prevent fraud
• Enforce agreements
• Protect our legitimate business interests

Retention periods may vary depending on the type of information, insurance product and applicable legal or regulatory requirements.

Best Value Insurance & Financial Services recognizes its obligations regarding nonpublic personal information under applicable financial privacy laws, including the Gramm-Leach-Bliley Act ("GLBA"), where applicable.

We do not disclose nonpublic personal information except as permitted or required by applicable law or as reasonably necessary to provide the financial or insurance products and services requested by our customers.

Information may be provided to insurance carriers, service providers and other parties as permitted by law to process, administer, underwrite or service insurance transactions and related activities.

Depending on applicable law and your relationship with us, you may have choices or rights concerning certain personal information.

You may contact us to:

• Update or correct certain information
• Ask questions regarding information we maintain
• Change certain communication preferences
• Withdraw certain previously provided communication consents
• Make other privacy requests available under applicable law

Some information may need to be retained even after a request because of insurance, legal, regulatory, fraud-prevention, recordkeeping or other legitimate requirements.

Residents of certain U.S. states may have additional privacy rights under applicable state law.

Depending on your state of residence and whether a particular law applies to our activities, those rights may include the ability to request:

• Access to certain personal information
• Correction of inaccurate personal information
• Deletion of certain personal information
• Information regarding certain disclosures
• Other rights provided by applicable law

Some information and activities may be exempt from state consumer privacy laws because they are governed by federal or state financial and insurance privacy laws.

We will process applicable privacy requests in accordance with relevant legal requirements.

California residents may have additional privacy rights under applicable California law.

Where applicable, California residents may request information regarding certain personal information we collect, use or disclose and may exercise other rights provided by California law.

Certain information handled by insurance agencies and financial institutions may be subject to exemptions under applicable federal or state financial privacy laws.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

Our insurance services and website are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through our website without appropriate authorization.

Information concerning minors may nevertheless be provided by a parent, guardian or other authorized individual when reasonably necessary for an insurance quotation, application or policy.

Submitting information through our website does not guarantee:

• Insurance coverage
• Eligibility
• Acceptance by an insurance carrier
• A particular premium
• A particular coverage limit
• Issuance of a policy

Information submitted through a quote request may be used to evaluate insurance options and communicate with insurance carriers as appropriate.

Additional information may be required before a carrier can provide a final quotation, bind coverage or issue a policy.

We may update this Privacy Policy periodically to reflect changes in our services, technology, business practices or legal requirements.

When changes are made, the revised policy will be posted on this page and the Last Updated date will be changed accordingly.

Changes become effective when posted unless otherwise stated.

If you have questions about this Privacy Policy, our privacy practices or your personal information, please contact us using the information below.