Privacy Policy
Effective Date: February 2026 | Last Updated: February 2026
Quick Summary
- ✓ We collect only what we need to serve you
- ✓ Your data is encrypted at rest
- ✓ We delete data after 90 days (quotes/claims after relevant period)
- ✓ You have full rights to your data (access, correction, deletion)
- ✓ We never sell your data to third parties
- ✓ You can opt-out of marketing emails anytime
1. What Data Do We Collect?
We collect personal information only when you submit our quote or claims forms:
Quote Form Data:
- Full name
- Email address
- Phone number
- Insurance type(s) of interest
- Optional message about your needs
Claims Form Data:
- Full name
- Email address
- Phone number
- Policy number
- Claim type
- Date of incident
- Detailed description of claim
- Supporting documents (photos, receipts, etc.)
Automatic Information: We also collect limited technical data: referral source, current page URL, timestamp, and your browser user agent (to help improve our service).
2. Legal Basis for Processing
We process your personal data under the following legal bases (GDPR Article 6):
Contract (Article 6(1)(b))
Processing your quote and claims information is necessary to fulfill your request for insurance services.
Consent (Article 6(1)(a))
Marketing emails require your explicit consent, which you must opt-in to. You can withdraw consent anytime.
Legitimate Interest (Article 6(1)(f))
We process minimal data for security, fraud prevention, and improving our service.
3. How Long Do We Keep Your Data?
We follow strict data minimization and retention policies:
| Data Type | Retention Period | Reason |
|---|---|---|
| Quote Form Submissions | 90 days | Customer service & follow-up |
| Claims Data | 7 years | Insurance industry requirement |
| Analytics/Tracking | 90 days | Service improvement |
| Security Logs | 30 days | Fraud prevention |
| Email Lists (Marketing) | Until opt-out | Marketing communications |
After retention period expires, data is automatically deleted and cannot be recovered.
4. Who Has Access to Your Data?
We do NOT sell your data. We share information only as necessary:
- Our Insurance Agent (Anna Trinh) - to process your quote/claim
- Insurance Carriers - only for binding policies or filing claims
- HubSpot CRM - for customer relationship management
- Gmail/Google - for sending you email communications
- Legal authorities - only if required by law or court order
All third parties are required to handle your data securely and confidentially.
5. Your Data Rights (GDPR)
You have the following rights regarding your personal data:
Right to Access
Request a copy of all data we have about you (data portability).
Right to Correction
Ask us to correct inaccurate or incomplete data.
Right to Deletion ("Right to be Forgotten")
Request deletion of your data (except where we have legal obligations).
Right to Restrict Processing
Ask us to limit how we use your data.
Right to Object
Opt-out of marketing, cookies, and non-essential processing.
Right to Lodge a Complaint
Contact your local data protection authority (e.g., ICO in UK, CNIL in France).
6. How We Protect Your Data
Your data security is our top priority:
- Encryption: All sensitive data is encrypted using AES-256-GCM at rest
- HTTPS/TLS: All data in transit is encrypted over secure connections
- Access Controls: Only authorized personnel access data
- Input Validation: All forms validate and sanitize input to prevent attacks
- Rate Limiting: Our systems prevent abuse and brute force attacks
- Audit Logging: We track all data access without storing sensitive details
7. Cookies & Tracking
We use cookies sparingly:
Essential Cookies (Always Used)
Required for security, session management, and form functionality. No consent needed.
Analytics Cookies (Consent Required)
Only used if you opt-in. Helps us understand how you use our website. Deleted after 90 days.
Marketing Cookies (Consent Required)
Only used if you opt-in. Allows personalized marketing communications.
8. Exercise Your Rights
To exercise any of your rights, contact our Data Protection Officer:
Email:
Phone:
Mailing Address:
JKG Insurance LLC
Attn: Data Protection Officer
[Your Address]
We will respond to data subject requests within 30 days (as required by GDPR).
9. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under CCPA:
- Right to know what personal information is collected
- Right to know whether your data is sold or disclosed
- Right to opt-out of the sale of personal information
- Right to access and delete your personal information
- Right to non-discrimination for exercising your privacy rights
We do NOT sell your personal information. To exercise CCPA rights, contact: privacy@jkginsure.com
10. Policy Changes
We may update this privacy policy from time to time. We will notify you of material changes by email or by posting a notice on our website. Your continued use of our service after changes indicates your acceptance of the updated policy.
Questions about our privacy practices? We're here to help.
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