Privacy Policy

Privacy Policy

Introduction

At Apex Insurance, LLC. (“we”, “us”, “our”), we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you use our services and interact with us, in compliance with applicable laws and regulations.

1. Information We Collect

We may collect the following types of information:

• Personal      Identifiable Information (PII): Including your name, contact details,      email address, government-issued identification, date of birth, and policy      number.
• Financial      Information: Such as bank account details, payment history, and credit      history.
• Health      Information (if applicable): Medical history, claims history, and      other health-related data necessary to provide insurance services.
• Device      and Usage Data: Information about how you interact with our website,      app, or services, including IP address, browser type, and browsing      behavior.
• Cookies      and Tracking Technologies: We use cookies to improve your experience      on our website.
• SMS      opt-in or phone numbers: SMS opt-in or phone numbers for the purpose      of SMS are not being shared.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To      process and manage your insurance applications, questions and claims.
• To      provide customer support and respond to inquiries.
• To      send important updates related to your insurance policy.
• To      personalize your experience and offer tailored products or services.
• To      comply with legal obligations, including regulatory requirements.
• For      fraud detection and security purposes.
• To      analyze and improve our services and marketing efforts.

3. Sharing Your Information

We may share your information with third parties in the following situations:

• Service      Providers: Companies that help us operate our services, such as      payment processors, customer support teams, and IT infrastructure      providers.
• Regulatory      Authorities: To comply with legal and regulatory requirements,      including sharing information with government agencies or regulators.
• Insurance      Partners and Reinsurers: If applicable, for purposes of underwriting      or claims processing.
• Business      Transfers: In the event of a merger, acquisition, or sale of company      assets, your data may be transferred to the new owner.
• Legal      Compliance: We may disclose your information when required by law or      to protect the rights, property, or safety of our company, customers, or      others.

4. Data Security

We implement a variety of technical and organizational measures to safeguard your personal information against unauthorized access, loss, or misuse. However, no method of transmission over the Internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

5. Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy and comply with legal, regulatory, or contractual obligations. When data is no longer needed, we will securely delete or anonymize it.

6. Your Rights

Depending on your location and applicable laws, you may have the following rights:

• Right      to Access: You can request a copy of the personal data we hold about      you.
• Right      to Correct: You can request correction of any inaccuracies in your      data.
• Right      to Deletion: You can request that we delete your personal data,      subject to certain exceptions.
• Right      to Object: You can object to the processing of your data for certain      purposes, such as direct marketing.
• Right      to Data Portability: You may request a copy of your data in a      structured, commonly used format for transfer to another service provider.

To exercise these rights, please contact us at [contact details].

7. International Data Transfers

If we transfer your personal data outside your country of residence, we will ensure that adequate safeguards are in place to protect your information, in compliance with applicable laws, such as the use of Standard Contractual Clauses or Privacy Shield Frameworks.

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review their privacy policies before providing them with personal data.

9. Children’s Privacy

Our services are not intended for individuals under the age of 16, and we do not knowingly collect personal data from children. If we learn that we have inadvertently collected data from a child under the age of 16, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you through our website or by other means. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.

11. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy, please contact us at:

• Email:     beau@apexinsllc.com
• Phone:     865-895-4169
• Address:     817 W. Broadway Ave., Maryville, TN 37801