Privacy Policy for Crossroad Insurance Group

1. Introduction

Welcome to Crossroad Insurance Group ("we," "us," "our"). At Crossroad Insurance Group, we are dedicated to safeguarding your privacy and complying with legal requirements specific to the insurance industry. This Privacy Policy outlines how we collect, use, and protect your personal information when you visit our website or engage with our services.

2. Information We Collect

We may collect the following types of information:

Personal Information: This includes your name, contact details, date of birth, Social Security number, and other personally identifiable information necessary for insurance applications and services.

Insurance Information: We collect data related to your insurance needs, preferences, coverage history, and claims information.

Financial Information: When required for insurance underwriting or billing purposes, we may collect financial information such as payment card details or banking information.

Health Information: In the case of health insurance services, we may collect and process sensitive health information as needed for insurance applications and claims.

Vehicle and Property Information: For auto and home insurance services, we collect details about your vehicles and properties, including vehicle identification numbers (VINs), property addresses, and specifications.

3. How We Use Your Information

We use your information for the following purposes:

To provide and manage insurance services, including quoting, underwriting, and claims processing.
To personalize your experience and offer insurance products tailored to your needs.
To comply with legal and regulatory requirements imposed on insurance brokers.
To communicate with you regarding policy updates, claims, and other insurance-related matters.
To conduct data analysis and improve our services.
To protect our rights and interests.

4. Data Sharing and Disclosure

We may share your information as necessary for insurance-related purposes, including:

Sharing information with insurance carriers to provide you with quotes, underwriting decisions, and policy management.
Disclosing data to regulatory authorities as required by law.
Sharing information with third-party service providers who assist us in delivering insurance services.
In cases of health insurance, sharing health information with healthcare providers as needed for claims processing.
We do not sell your personal information to third parties.

5. Your Choices and Rights

You have certain rights and choices regarding your personal information:

You can access, correct, or delete your personal information by contacting us.
You may have the right to object to certain processing activities.
You can opt out of receiving marketing communications from us.
Please note that in some cases, exercising these rights may impact our ability to provide insurance services.

6. Security

We employ appropriate security measures to protect your personal information from unauthorized access, disclosure, or alteration. However, no data transmission over the internet is completely secure, and we cannot guarantee absolute security.

7. Changes to this Privacy Policy

We may revise this Privacy Policy as needed to comply with legal and regulatory requirements or improve our practices. Any updates will be posted on this page with the "Last Updated" date.