1. Information We Collect
To provide you with insurance quotes and services, we collect:
- Personal information (name, address, date of birth, Social Security Number)
- Contact information (email, phone numbers)
- Driving records and vehicle information for auto insurance
- Property information for homeowners insurance
- Business information for commercial insurance
- Health information for life and health insurance (as permitted by law)
- Claims history and insurance coverage history
- Financial information necessary for underwriting
2. How We Use Your Information
We use your information to:
- Provide accurate insurance quotes
- Process insurance applications and renewals
- Service your insurance policies
- Assist with claims processing
- Communicate important policy information
- Comply with legal and regulatory requirements
- Prevent fraud and verify information
- Improve our services and customer experience
3. Information Sharing
We may share your information with:
- Insurance carriers for quotes and policy issuance
- Underwriters for risk assessment
- Claims adjusters when processing claims
- Service providers who assist in our operations
- Government agencies as required by law
- Credit agencies for credit-based insurance scoring (where permitted)
We NEVER sell your personal information to third parties for marketing purposes.
4. Data Security
We implement industry-standard security measures to protect your information:
- Secure encryption for data transmission
- Protected storage systems
- Limited access to personal information
- Regular security audits and updates
- Employee training on data protection
- Compliance with state and federal privacy laws
5. Your Rights
You have the right to:
- Access your personal information we maintain
- Request corrections to inaccurate information
- Opt-out of marketing communications
- Request information about our data practices
- File a complaint if you believe your privacy rights have been violated
6. Cookies and Online Tracking
Our website uses cookies to:
- Remember your preferences
- Improve website functionality
- Analyze website traffic and usage
- Provide personalized service
You can control cookie settings through your browser preferences.
7. Data Retention
We retain your information as required by:
- State insurance regulations
- Federal law requirements
- Active policy terms
- Legal and business requirements
8. State-Specific Rights
Residents of certain states may have additional privacy rights. We comply with all applicable state privacy laws including those in the states where we operate: NC, SC, VA, FL, LA, AL, MS, OH, and TN.
9. Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children without parental consent.
10. Changes to This Policy
We may update this policy periodically. Changes will be posted on this page with an updated revision date. Continued use of our services constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us:
- Phone: 888-563-4343 or 704-563-4343
- Website: www.pegramins.com
- Address: Charlotte, NC