Privacy Policy

When you request an insurance quote, file a claim, or contact our agency, we collect personal information necessary to serve you. This may include:

• Personal Identifiers: Full name, date of birth, Social Security number (for underwriting purposes), driver's license number, and contact information including mailing address, email, and phone number
• Policy-Related Information: Vehicle details (make, model, year, VIN), property information (address, square footage, construction type), claims history, and current coverage details
• Financial Information: Payment method details, bank account information for automatic payments, and billing address
• Browsing Data: We collect information through cookies and similar technologies when you visit our website, including pages viewed, time spent on site, and referring URLs

We use the information we collect for the following insurance-related purposes:

• Quoting & Binding: To provide accurate insurance quotes and bind policies with our carrier partners on your behalf
• Claims Processing: To assist you with filing, tracking, and resolving insurance claims
• Policy Administration: To manage renewals, endorsements, cancellations, and other policy changes
• Coverage Communication: To send policy documents, billing notices, renewal reminders, and important updates about your coverage
• Regulatory Compliance: To comply with state insurance department regulations, reporting requirements, and licensing obligations
• Fraud Prevention: To detect, investigate, and prevent fraudulent claims or applications
• Service Improvement: To improve our website, customer service processes, and the overall client experience

As an independent insurance agency, we share your information only as necessary to provide our services. We may share your information with:

• Insurance Carriers: We transmit your information to insurance companies to obtain quotes, bind coverage, and service your policies
• Claims Professionals: Claims adjusters, investigators, and repair vendors may receive relevant information when processing your claims
• State Insurance Departments: We report information as required by state insurance regulations and licensing authorities
• Service Providers: Third-party vendors who assist our operations, including our agency management system, payment processors, and IT service providers
• Legal Obligations: When required by law, court order, or governmental regulation

We never sell your personal information to third parties for marketing purposes. All parties with whom we share data are bound by confidentiality agreements and applicable privacy regulations.

As a licensed insurance agency, Everguard Insurance complies with the Gramm-Leach-Bliley Act (GLBA) and all applicable state privacy laws governing the collection, use, and disclosure of nonpublic personal financial information.

Under the GLBA, you have the right to opt out of certain types of information sharing with nonaffiliated third parties. We do not share your nonpublic personal information with nonaffiliated third parties except as permitted or required by law.

If you wish to exercise your opt-out rights or have questions about our GLBA compliance, please contact us using the information provided in Section 10 below.

Protecting your personal and financial information is a top priority at Everguard Insurance. We employ the following safeguards:

• Encryption: All data transmitted through our website and systems is protected using industry-standard SSL/TLS encryption
• Secure Infrastructure: Our systems are hosted on secure servers with firewalls, intrusion detection, and regular security audits
• Access Controls: Employee access to personal information is restricted on a need-to-know basis with role-based permissions and multi-factor authentication
• Staff Training: All employees complete annual privacy and data security training, including procedures for handling sensitive policyholder information
• Incident Response: We maintain a documented incident response plan to address any potential data breaches promptly and in compliance with state notification laws

You have the following rights regarding the personal information we hold about you:

• Access: You may request a copy of the personal information we have collected about you
• Correction: You may request that we correct inaccurate or incomplete information in your file
• Deletion: You may request deletion of your personal information, subject to legal and regulatory retention requirements
• Opt-Out: You may opt out of certain information sharing as described in our GLBA notice and unsubscribe from marketing communications at any time

California Residents: If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete that information, and the right to opt out of the sale of personal information. We do not sell personal information.

To exercise any of these rights, please contact us at privacy@everguard.com.

Our website uses cookies and similar tracking technologies to enhance your browsing experience and help us understand how visitors use our site.

• Essential Cookies: Required for basic website functionality, including form submissions and quote requests
• Analytics Cookies: Help us understand site traffic patterns and improve our content and services
• Preference Cookies: Remember your settings and preferences for future visits

You can control cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our website, such as online quote request forms.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe that a minor has provided personal information to us, please contact us immediately at privacy@everguard.com and we will take steps to delete that information.

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or regulatory guidance. When we make changes:

• The updated policy will be posted on this page with a revised effective date
• Material changes will be communicated through a notice on our website or via email to current policyholders

We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have questions about this privacy policy, our data practices, or wish to exercise your privacy rights, please contact us:

Everguard Insurance Agency
123 Main Street, Suite 200
Austin, TX 78701

Email: privacy@everguard.com
Phone: (512) 555-0142