Privacy Policy

1. Introduction

RiverSeaInsurance (“we,” “us,” or “our”) operates the website and home insurance services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

We are committed to protecting your privacy and ensuring you have a positive experience on our platform. Please read this policy carefully to understand our privacy practices.

2. Information We Collect

We collect information in various ways, including:

• Personal Information: Name, email address, phone number, date of birth, gender, and residential address
• Insurance Information: Health history, lifestyle habits, occupation, income level, and family medical history
• Payment Information: Credit card details, bank account information, and billing address (processed securely through third-party providers)
• Device Information: IP address, browser type, operating system, referring URLs, and pages visited
• Cookies and Tracking Data: Information collected through cookies, web beacons, and similar technologies
• Communication Data: Messages, inquiries, and correspondence when you contact us

3. How We Use Your Information

We use collected information for the following purposes:

• Processing insurance quotes and policy applications
• Underwriting and risk assessment for insurance coverage
• Claims management and processing
• Premium billing and payment collection
• Providing customer support and service assistance
• Fraud detection and prevention
• Improving our website and services
• Sending promotional materials and newsletters (with your consent)
• Complying with legal and regulatory requirements
• Analyzing trends and user behavior

4. Data Security Measures

We implement comprehensive security measures to protect your personal information:

• SSL/TLS encryption for all data transmission
• Secure firewalls and intrusion detection systems
• Regular security audits and vulnerability assessments
• Employee access controls and data protection training
• Secure data storage with automatic backups
• Multi-factor authentication for account access
• Compliance with industry security standards

5. Third-Party Information Sharing

We may share your information with third parties only in these circumstances:

• Insurance partners and underwriters for policy issuance and management
• Healthcare providers and medical professionals for health insurance verification
• Claims adjusters and third-party administrators
• Payment processors and financial institutions
• Law enforcement and regulatory authorities as required by law
• Fraud prevention agencies and credit reporting bureaus

Important: We do not sell your personal information to third parties for marketing purposes without your explicit consent.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Remember your preferences and login information
• Understand how you use our website
• Improve user experience and website performance
• Deliver targeted advertisements
• Analyze website traffic and user behavior

You can control cookie settings through your browser preferences. However, disabling cookies may affect some website features.

7. Your Privacy Rights

You have the following rights regarding your personal information:

• Right to access your personal information at any time
• Right to request correction of inaccurate or incomplete data
• Right to request deletion of your personal information
• Right to opt-out of marketing communications
• Right to request a copy of your data in portable format
• Right to withdraw consent at any time
• Right to file a complaint with regulatory authorities

8. Data Retention Policy

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

• Provide insurance services and manage your policy
• Process claims and settle disputes
• Comply with legal and regulatory obligations
• Maintain business records

Generally, we retain data for the duration of your policy and 7 years after termination. Some information may be retained longer as required by law.

9. International Data Transfers

If we transfer your personal information to countries outside your country of residence, we ensure appropriate safeguards are in place, including data protection agreements and compliance with international regulations.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware of such collection, we will immediately delete the information and notify you.

11. Third-Party Links and Services

Our website may contain links to third-party websites and services. RiverSeaInsurance is not responsible for the privacy practices of external sites. We encourage you to review the privacy policies of any third-party services before providing your information.

12. Updates to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. Your continued use of our services constitutes acceptance of the updated policy. We will notify you of significant changes via email or prominent notice on our website.

13. Contact Information

If you have questions about our privacy practices or wish to exercise your rights, please contact us:

• Email: [email protected]
• Phone: +1 (904) 750-0621
• Address: 7901 SW 6th Ct, Plantation, FL, 33324