Privacy Policy

Introduction

TB Insurance Group ("we," "our," or "us") respects your privacy and is committed to protecting it through our compliance with this Privacy Policy. This policy describes the types of information we may collect from you or that you may provide when you visit our website and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Mobile Number Protection Policy

Your mobile phone number is collected solely for the purpose of providing you with insurance quotes and related customer service. We will only use your mobile number to:

• Contact you regarding your insurance quote request
• Provide customer service related to your inquiry
• Send appointment confirmations or policy updates (with your consent)
• Comply with legal requirements or regulatory obligations

We will never share your mobile number with third-party marketers or use it for unsolicited promotional messages without your explicit consent.

Information We Collect

We collect information from you in several ways when you use our website. Here's exactly what we collect and when:

Personal Information You Provide

When you fill out our "Get a Quote" form or contact us, we collect:

• Contact Information: Name, email address, phone number (including mobile), and mailing address
• Business Information: Company name, industry type, number of employees, years in business
• Insurance Details: Current coverage, coverage needs, claims history, vehicle information (for commercial auto), cargo details (for freight)
• State Information: Your business location to provide state-specific insurance requirements

Information Automatically Collected

When you visit our website, we automatically collect:

• Technical Information: IP address, browser type, operating system, device information
• Usage Data: Pages visited, time spent on pages, click patterns, referring websites
• Analytics Data: Through Google Analytics to understand website performance and user behavior
• Marketing Data: Through Meta Pixel and Google Ads for advertising effectiveness

Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and improve your experience
• Analyze website traffic and performance
• Deliver relevant advertisements
• Ensure website security and functionality

How We Use Your Information

We use your information for specific, legitimate business purposes only:

Primary Uses

• Quote Processing: To research and provide accurate insurance quotes tailored to your needs
• Customer Service: To respond to your inquiries and provide ongoing support
• Policy Administration: To help you understand coverage options and complete applications
• Regulatory Compliance: To meet insurance industry licensing and reporting requirements

Secondary Uses (With Your Consent)

• Marketing Communications: To send you relevant insurance information and updates (opt-out available)
• Website Improvement: To analyze usage patterns and improve our website experience
• Industry Insights: To provide educational content about insurance trends in your industry

We will never use your information for purposes other than those listed above without obtaining your explicit consent first.

Information Sharing and Disclosure

We only share your information when necessary to provide our services or when required by law:

Authorized Sharing

• Insurance Carriers: To obtain quotes and bind coverage on your behalf
• Licensed Agents: Within our network who are authorized to service your account
• Service Providers: Trusted third parties who help us operate our business (CRM systems, email services, website hosting)
• Business Partners: Only when you've specifically requested services that require their involvement

Required Disclosure

• To comply with court orders, laws, or legal processes
• To respond to government or regulatory requests
• To protect our rights, property, or safety, or that of our customers
• In connection with a business sale or merger (with notice to affected customers)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and understand how our website is used:

Types of Cookies We Use

• Essential Cookies: Necessary for basic website functionality, form submissions, and security
• Analytics Cookies: Google Analytics to understand visitor behavior and improve our website
• Marketing Cookies: Meta Pixel and Google Ads to measure advertising effectiveness and show relevant ads
• Preference Cookies: Remember your settings and preferences for future visits

You can control cookies through your browser settings. However, disabling certain cookies may limit website functionality. For more information about managing cookies, visit your browser's help section.

Your Privacy Rights

You have important rights regarding your personal information:

Access and Control

• Access: Request a copy of the personal information we have about you
• Correction: Update or correct any inaccurate information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Receive your data in a portable format to transfer to another service

Communication Preferences

• Opt-Out: Unsubscribe from marketing communications at any time
• Do Not Call: Request to be added to our internal do-not-call list
• Cookie Preferences: Adjust your cookie settings through your browser

To exercise any of these rights, contact us using the information in the "Contact Us" section below. We will respond to your request within 30 days.

Data Security

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

• Encryption: All data transmission is secured with SSL/TLS encryption
• Access Controls: Limited access to personal information on a need-to-know basis
• Secure Storage: Data stored on secure servers with regular security updates
• Regular Audits: Periodic security assessments and updates
• Staff Training: Regular privacy and security training for all employees

While we implement strong security measures, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and keep your account information confidential.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy:

• Quote Information: Retained for 7 years to comply with insurance regulations
• Marketing Data: Retained until you opt-out or for 3 years from last contact
• Website Analytics: Aggregated data retained for 26 months (Google Analytics default)
• Legal Requirements: Some data may be retained longer to comply with legal obligations

Children's Privacy

Our website and services are designed for businesses and adults. We do not knowingly collect personal information from children under 13 years of age. If you are under 13, please do not use our website or provide any information. If we learn we have collected information from a child under 13, we will delete that information immediately.

Changes to Our Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make changes:

• We will update the "Last Updated" date at the top of this policy
• For material changes, we will provide notice on our website homepage
• We may also notify you by email if you have provided us with your email address

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions about this Privacy Policy, want to exercise your privacy rights, or have concerns about how we handle your information, please contact us: