Effective Date: [Insert Date]
At BBS Insurance, your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you visit bbs-insurance.com. By using our website, you consent to the practices described in this policy.
1. Information We Collect
We collect both personal and non-personal information to provide you with the best possible service.
Personal Information
This may include:
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Full name
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Email address
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Phone number
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Mailing address
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Date of birth
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Insurance-related details
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Any other information you voluntarily provide via our website forms
Non-Personal Information
This includes:
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IP address
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Browser type
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Device type
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Pages visited and time spent on site
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Referral source
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General location (e.g., city or region)
This data helps us improve our website performance and user experience.
2. How We Use Your Information
We use your information to:
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Respond to your inquiries or quote requests
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Provide and manage insurance services
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Improve website functionality and user experience
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Send important communications related to your insurance or policy
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Offer promotions or updates (only with your consent)
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Comply with legal or regulatory requirements
3. How We Share Your Information
We do not sell your personal information to third parties. We may share your information with:
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Trusted insurance carriers or brokers for the purpose of providing quotes or coverage
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Third-party service providers (e.g., CRM platforms, website hosting) who assist us in operating our website or serving you
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Legal authorities, if required by law or to protect our rights
All third-party service providers are contractually obligated to keep your information secure and confidential.
4. Cookies and Tracking Technologies
We use cookies, pixels, and analytics tools like Google Analytics to better understand how visitors use our website. These tools collect non-identifiable data and help us:
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Measure traffic and performance
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Deliver relevant advertising
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Enhance your user experience
You can manage your cookie preferences through your browser settings.
5. Data Security
We implement industry-standard security measures to protect your personal information. However, no data transmission or storage can be guaranteed 100% secure. We encourage you to take precautions when sharing information online.
6. Your Rights and Choices
Depending on your location, you may have the following rights:
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Access the personal data we hold about you
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Correct or update inaccurate information
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Request deletion of your information
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Opt-out of marketing communications
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Limit the use of your data
To exercise these rights, please contact us at [Insert Contact Email or Form Link].
7. Third-Party Links
Our website may contain links to other websites not owned or operated by BBS Insurance. We are not responsible for the content or privacy practices of these third-party sites.
8. Children’s Privacy
Our website is not intended for children under the age of 13. We do not knowingly collect or solicit personal information from children. If you believe we have inadvertently collected such information, please contact us and we will delete it promptly.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our website after changes are made signifies your acceptance of those changes.
10. Contact Us
If you have any questions about this Privacy Policy or how your information is handled, please contact us:
BBS Insurance
Phone: (816) 205-4664
Website: https://bbs-insurance.com
11. Compliance with HIPAA, CCPA, and GDPR
HIPAA Compliance
As a provider of insurance services, BBS Insurance may collect and process health-related information in connection with your insurance needs. We are committed to protecting your Protected Health Information (PHI) as required by the Health Insurance Portability and Accountability Act (HIPAA). Any PHI collected is used solely for insurance-related purposes and is handled with strict confidentiality. We maintain appropriate administrative, physical, and technical safeguards to protect PHI from unauthorized access or disclosure.
If you have questions about how your health information is handled or would like to request access to your PHI, please contact us directly at [Insert Contact Info].
California Consumer Privacy Act (CCPA)
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to:
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Know what personal information we collect, use, and share
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Request deletion of your personal information
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Opt-out of the sale of personal information (Note: We do not sell your personal information)
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Non-discrimination for exercising your privacy rights
To submit a request under the CCPA, please contact us at [Insert Email or Web Form Link]. We will verify your identity before processing any requests.
General Data Protection Regulation (GDPR)
If you are located in the European Economic Area (EEA) or UK, you have rights under the General Data Protection Regulation (GDPR), including:
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The right to access the personal data we hold about you
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The right to correct or update inaccurate information
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The right to request data deletion
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The right to restrict or object to certain data processing activities
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The right to data portability
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The right to lodge a complaint with a data protection authority
Our legal basis for collecting and using your personal data depends on the context and type of information. Typically, we rely on your consent, a contractual obligation, or our legitimate business interests to process data.
If you wish to exercise any of your GDPR rights, please contact us.