Privacy Policy

Effective Date: Oct 1st 2025

Last Updated: October 1st 2025

At 318 Insurance, your privacy is very important to us. This Privacy Policy explains how we collect, use, protect, and share your information when you interact with our business, website, or services.

1. Information We Collect

We may collect the following types of information:

  • Personal Information: Name, email address, phone number, mailing address, date of birth, Social Security number, driver's license, and other identifying information necessary for insurance services.
  • Financial Information: Payment details, banking information, and other data required for processing insurance applications and payments.
  • Insurance-Related Information: Policy numbers, claims history, and other relevant data for underwriting and servicing policies.
  • Website & Online Data: When you visit our website, we may automatically collect non-identifying data such as browser type, IP address, and usage patterns through cookies and analytics tools.

2. How We Use Your Information

We use your information to:

  • Provide, service, and manage your insurance policies.
  • Communicate with you regarding quotes, claims, renewals, or billing.
  • Improve our website, customer service, and offerings.
  • Comply with legal and regulatory requirements.
  • Send you updates, promotions, or educational content (if you've opted in).

3. Sharing of Information

We do not sell your personal information. We may share your information only in the following situations:

  • With insurance carriers and partners to obtain quotes, issue policies, and service claims.
  • With service providers who help us operate our business (such as IT, billing, or marketing support) under strict confidentiality agreements.
  • When required by law, regulation, or legal process.

4. Data Protection

We maintain physical, electronic, and administrative safeguards to protect your personal information from unauthorized access, use, or disclosure. While we use industry-standard practices, no system is 100% secure.

5. Your Choices

  • You may request access, correction, or deletion of your personal information by contacting us.
  • You may opt out of marketing emails at any time by clicking the unsubscribe link or contacting us directly.
  • Certain information must be retained to comply with insurance laws and regulations.

6. Cookies & Online Tracking

Our website may use cookies to enhance user experience and track visitor activity. You can adjust your browser settings to refuse cookies, but this may limit some website features.

7. Children's Privacy

Our services are not directed toward individuals under the age of 13. We do not knowingly collect information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised Last Updated date.