Privacy Policy

1. Introduction

Urban Trust Insurance ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

By using our services, you consent to the data practices described in this policy. If you do not agree with the practices described in this policy, please do not use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, address, phone number, email address
• Identification Information: Driver's license number, Social Security number, date of birth
• Financial Information: Bank account details, credit card information, income information
• Insurance Information: Policy details, claims history, coverage preferences
• Health Information: Medical records, health conditions (for health and life insurance)
• Vehicle Information: Vehicle identification numbers, driving records, accident history
• Property Information: Property details, ownership records, property values

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information:

• IP address and location data
• Browser type and version
• Operating system
• Pages visited and time spent on our site
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Insurance Services: To provide quotes, process applications, underwrite policies, and handle claims
• Customer Service: To respond to inquiries, provide support, and communicate about your policies
• Legal Compliance: To comply with applicable laws, regulations, and industry standards
• Fraud Prevention: To detect, prevent, and investigate fraudulent activities
• Marketing: To send promotional materials and newsletters (with your consent)
• Website Improvement: To analyze usage patterns and improve our services
• Risk Assessment: To evaluate insurance risks and determine appropriate coverage and pricing

4. Information Sharing and Disclosure

4.1 With Your Consent

We may share your information with third parties when you provide explicit consent.

4.2 Service Providers

We may share information with trusted third-party service providers who assist us in:

• Insurance underwriting and claims processing
• Payment processing
• Data analysis and marketing
• IT services and website hosting
• Customer support services

4.3 Insurance Companies

We share relevant information with insurance carriers to obtain quotes, bind coverage, and process claims on your behalf.

4.4 Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or to:

• Comply with legal processes
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect the safety of our customers and employees

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against:

• Unauthorized access, use, or disclosure
• Accidental loss or destruction
• Alteration or corruption

Our security measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

6. Your Rights and Choices

6.1 Access and Correction

You have the right to:

• Access your personal information we hold
• Request corrections to inaccurate information
• Update your contact preferences

6.2 Marketing Communications

You can opt out of marketing communications by:

• Clicking the unsubscribe link in emails
• Contacting us directly
• Updating your preferences in your account

6.3 California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information.

10. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Meet regulatory requirements

Retention periods vary depending on the type of information and applicable legal requirements.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information during such transfers.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing notice through our services

Your continued use of our services after such changes constitutes acceptance of the updated policy.

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: