Privacy Policy

1. Information We Collect

Personal Information

When you request an insurance quote or contact us, we may collect:

• Name, email address, phone number, and mailing address
• Business name, industry type, and business structure
• Federal Employer Identification Number (FEIN) or Social Security Number
• Driver's license numbers and vehicle information (for commercial auto insurance)
• Property addresses and building details
• Claims history and loss runs
• Financial information necessary for underwriting

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address, browser type, and device information
• Pages visited, time spent on pages, and referring website
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

• Provide Insurance Services: Obtain quotes, bind coverage, issue policies, and manage your insurance needs
• Communicate: Respond to inquiries, send policy documents, renewal notices, and important updates
• Underwriting: Submit applications to insurance carriers and underwriters for coverage evaluation
• Claims Assistance: Help you file and manage insurance claims
• Compliance: Meet legal and regulatory requirements in California, Nevada, Arizona, Texas, Florida, and Hawaii
• Marketing Communications: Send emails, newsletters, and SMS messages about insurance products, policy updates, and industry news. You can opt-out at any time using the unsubscribe link or opt-out information included in each message.
• Website Improvement: Analyze usage patterns to enhance user experience

3. Information Sharing and Disclosure

We share your information with third parties as necessary to provide our insurance brokerage services:

Insurance Carriers and Underwriters

We share your information with insurance companies, underwriters, and other third-party service providers to obtain quotes, bind coverage, process applications, and manage policies. These carriers and underwriters are bound by their own privacy policies and insurance regulations. This sharing is essential to providing you with insurance coverage and services.

Payment Processors

We use ePayPolicy and other third-party payment processors to facilitate premium payments. Insurance carriers may also process payments directly. These payment processors are contractually obligated to protect your financial information and comply with payment card industry (PCI) standards.

4. Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure servers and firewalls
• Access controls limiting employee access to personal information
• Regular security audits and updates

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Cookies and Website Analytics

Our website uses essential cookies necessary for basic functionality, such as maintaining your session and remembering your preferences. We do not use third-party tracking technologies, analytics tools like Google Analytics, or advertising pixels. You can control cookies through your browser settings, though disabling essential cookies may limit your ability to use certain features of our website.

6. Your Privacy Rights

General Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal and contractual obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Portability: Request your data in a portable format

California Privacy Rights (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale or sharing of personal information
• Right to correct inaccurate personal information
• Right to limit use of sensitive personal information
• Right to non-discrimination for exercising privacy rights

Note: BLIS does not sell personal information to third parties.

Nevada Privacy Rights

Nevada residents may opt-out of the sale of certain covered information. BLIS does not sell personal information as defined under Nevada law.

7. Data Retention

We retain your personal information indefinitely to maintain comprehensive records for insurance purposes, comply with legal and regulatory obligations, and provide ongoing service. Insurance records must be maintained for extended periods to support potential claims, audits, and regulatory requirements. Even after a policy ends, we retain your information to assist with future insurance needs, provide proof of prior coverage, and maintain our business records. If you wish to request deletion of your information, please contact us, though we may be required to retain certain information to comply with legal obligations.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a new effective date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: