Privacy Policy
To view our Privacy Policy, please click Here.
This notice describes our privacy policies and procedures in safeguarding information about customers and former customers that obtain financial products or services for personal, family or household purposes. Please note that if state law is more protective of an individual’s privacy than federal privacy law, we will protect information in accordance with state law while also meeting federal requirements.
Information We Collect
We may collect the following categories of information for the purposes identified below. Please note that the examples are not an exhaustive list and may fall into multiple categories. Categories and specific pieces of information collected may vary depending on the nature of your relationship with us.
Personal Identifiers
Name, alias, address, social security number, date of birth, passport number, unique personal identifier, online identifier, IP address, e-mail address, account name, government issued identification number, phone number, signature
Personal Characteristics
Gender, demographic, medical and health, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics.
Commercial Information
Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies.
Biometric Information
Voice print, photo.
Internet or network activity
Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies.
Geolocation
IP address, physical address, telephone number, state,municipality, location, devices, applications onmobile and computer devices.
Audio, electronic, visual, thermal, olfactory
Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages.
Professional information and Employment information/Education Information
Job titles, work history, school attended, employment status, veteran, or military status.
Education Information
Job titles, work history, school attended,marital status, e-mail, telephone recordings.
Inferences
Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes.
Sensitive Personal Information
Social security number, driver’s license number, state ID card, account login, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.
Purposes for Collection of Personal Information
We collect and use your personal information to offer, provide, and maintain insurance products and related services to you. We may use your personal information for one or more of the following purposes:
- To offer, provide, and maintain insurance products and related services to you;
- To authenticate and verify your identity;
- To maintain your preferences and to contact you;
- Security: authentication and verification of your identity, fraud identification and protection;
- Conduct analytics, research and development, improvement of our products and services;
- To conduct quality assurance;
- To provide a location-based product or service requested by you;
- To apply relevant discounts; · To create profiles based on personal information collected and reflecting individual preferences to provide appropriate or relevant products and services and improve and analyze our products and services and provide relevant marketing;
We collect certain information (“nonpublic personal information”) about you and the members of your household (“collectively, you”) from the following sources:
- Information you provide on applications or other forms, such as your social security number, assets, income, and property information.
- Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, and payment history.
- Information from your visits to the websites we operate, use of our mobile sites and applications, use of our social media sites, and interaction with our on-line advertisements.
- Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehicle records, credit report information, and insurance claim history; and
- If you obtain a life, long-term care, or disability product, information we receive from you, medical professionals who have provided care to you and insurance support organizations, regarding your health.
How Long Do You Retain My Information?
We retain your personal data for as long as reasonably necessary to fulfill the purpose for which it was collected or to comply with legal, regulatory, or internal procedures or obligations.
How We Protect Your Information
Our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information to those individuals, such as our employees and agents, who provide you with our products and services. We require individuals with access to your information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about you except as described in this notice or as otherwise required or permitted by applicable law.
Information We Disclose
We may disclose the nonpublic personal information we collect about you, as described above, to our affiliates, to companies that marketing services on our behalf or to other financial institutions with which we have marketing agreements, and to other third parties, all as permitted by law and for our everyday business purposes, such as processing your transactions and maintaining your accounts and insurance policies. Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Farmers or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will follow the privacy restrictions of that organization.
We are permitted to disclose personal health information:
- to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud;
- with your written authorization, and
- otherwise as permitted by law.
Terms and Conditions
Introduction
Welcome to David Beach Insurance Agency, LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.
SMS for Consent Communication
By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from David Beach Insurance Agency, LLC at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.Upon granting consent to receive SMS communications from our company, rest assured that your phone number and consent will remain confidential. We will not sell or share your information with third parties or affiliates for marketing purposes. The phone number and consent will only be used to facilitate communication with you.
SMS for Consent Communication
We will not share your phone number with anyone for marketing purposes.
Types of SMS Communications
If you agree to receive text messages from David Beach Insurance Agency, you may get messages about [Here is your insurance proposal quote]. Standard messaging rates may apply.
Message Frequency
You will likely receive about [specific number or range] text messages daily.
Potential Fees for SMS Messaging
Your phone carrier may charge you for each message sent or received. These charges can vary depending on your carrier and whether the message is sent within the country or internationally.
How to Opt-In
You can agree to receive SMS messages from David Beach Insurance Agency during a call made through our website (davidbeachagency.com). During the call, you’ll be asked: “Do you agree to receive texts from [David Beach Agency]? Message frequency may vary. Message and data rates may apply. Text HELP for help, text STOP to opt-out. See our privacy policy at [Link].” Your consent will not be shared with third parties for marketing. We will not send you any texts without your permission.
How to Opt-Out
You can stop receiving texts from David Beach Insurance Agency by replying STOP to any SMS message. Once you opt-out, you won’t get any more messages. If you want to start receiving texts again, reply START.
Standard Messaging Disclosures
- Message frequency may change.
- Message and data rates may apply.
- To stop texts, reply STOP.
- For help, reply HELP or visit our website at [Link].
- See our privacy policy at [Link] and our Terms of Service at [Link].
Privacy
We respect your privacy and will only use the information you provide to communicate with you via SMS as outlined above. Your personal data will not be shared with third parties unless required by law or as necessary to deliver the requested service.
Modifications
We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated revision date. By continuing to engage with our services, you agree to be bound by any changes to these terms.
