Welcome to the websites, mobile websites, mobile applications, and related digital platforms operated by AssuranceAmerica Managing General Agency, LLC (CA DBA AssuranceAmerica Managing General Insurance Agency, LLC – License #0F49773) (“AAMGA”). AAMGA is part of the AssuranceAmerica family of companies, which includes AssuranceAmerica Group, Inc., AssuranceAmerica Corporation, AssuranceAmerica Insurance Company, InsureMax Insurance Company, AssuranceAmerica Commercial Corporation, Catawba Insurance Company, and AssuranceAmerica Commercial Managing General Agency, LLC, together with their respective parent companies, subsidiaries, and affiliated entities (collectively, the “AssuranceAmerica Companies,” “Company,” “we,” “our,” or “us”).
This Privacy Policy describes how the AssuranceAmerica Companies may collect, use, disclose, share, sell, and otherwise process personal information relating to individuals who interact with the AssuranceAmerica Companies. This includes visitors to our websites and digital platforms, applicants for insurance products, policyholders and insureds, claimants and beneficiaries, agents, brokers, business partners, and individuals who communicate with us.
This Privacy Policy applies to information collected through websites and digital platforms operated by AAMGA or on its behalf, as well as information collected through insurance applications, customer service interactions, claims processes, marketing activities, website operations, and other business operations of the AssuranceAmerica Companies (collectively, the “Services”). Certain affiliated companies within the AssuranceAmerica corporate family may operate independent services, websites, or digital platforms and maintain their own privacy policies. When individuals interact directly with those platforms or services, the privacy policy applicable to those services will govern the collection, use, and disclosure of personal information in connection with those services.
Certain information collected in connection with insurance products may also be subject to federal and state insurance privacy laws, including the Gramm-Leach-Bliley Act (“GLBA”) and similar insurance privacy statutes.
Information We May Collect
We may collect personal information and other information about individuals as permitted by applicable law. The categories of information described in this Privacy Policy are intended to provide examples of the types of information we may collect and process. These categories should not be interpreted as exhaustive, and we may collect additional types of information consistent with applicable law and the purposes described in this Privacy Policy.
Information we may collect may include identifiers such as name, mailing address, email address, telephone number, date of birth, driver’s license number, IP address, device identifiers, and similar identifiers. We may collect insurance application and underwriting information such as driver history, vehicle information, claims history, policy information, insurance history, coverage selections, and other underwriting information necessary to provide insurance products. We may collect financial information such as billing records, payment information, bank account information, and transaction history. We may collect internet and device information such as browser type, device characteristics, operating system, navigation activity, pages visited, and other usage information related to our digital platforms. We may collect communications such as customer service communications, call recordings, emails, chat transcripts, and other interactions with our representatives. We may also derive inferences about preferences, interests, or insurance needs based on interactions with our Services. We may also collect additional categories of information where permitted by applicable law.
The AssuranceAmerica Companies do not collect biometric identifiers such as fingerprints, facial recognition data, retinal scans, or similar biometric information.
How We Collect Information
We may collect personal information directly from individuals when they request insurance quotes, apply for insurance coverage, purchase insurance products, submit forms through websites operated by AAMGA, communicate with us by phone, email, or electronic messaging, or otherwise interact with the AssuranceAmerica Companies.
When individuals access or interact with our websites or digital platforms, we may automatically collect certain information using cookies, web beacons, pixels, analytics tools, and similar tracking technologies. These technologies may collect information such as IP address, device identifiers, browser type, operating system, referring pages, pages visited, navigation paths, and time spent on pages.
We or our service providers may also use session recording, replay, and interaction monitoring technologies that record or analyze interactions with our websites or digital platforms. These technologies may capture information such as mouse movements, click activity, scrolling behavior, page navigation, and interactions with website forms. These tools may be operated by the AssuranceAmerica Companies or by third-party technology vendors acting on our behalf. Such monitoring and recording technologies may be used for fraud prevention, security monitoring, quality assurance, analytics, operational performance, compliance purposes, dispute resolution, and improving the functionality and user experience of our digital platforms. Sensitive fields such as payment information may be masked or excluded from recording where technically configured.
By accessing or using our websites or digital platforms, you acknowledge and consent to the use of cookies, analytics technologies, and session recording, replay, and interaction monitoring technologies to monitor and analyze interactions with our websites to the extent permitted by applicable law.
We may also obtain personal information from third parties including insurance agents or brokers, consumer reporting agencies, identity verification providers, marketing partners, analytics providers, technology vendors, affiliated companies, and publicly available sources.
How We May Use Personal Information
We may use personal information for any lawful business purpose permitted by applicable law. Such purposes may include providing insurance quotes and products, underwriting, issuing, and administering insurance policies, processing payments and claims, communicating with customers, responding to inquiries, conducting analytics and research, improving websites and digital services, detecting and preventing fraud or unauthorized activity, protecting the security and integrity of our systems, marketing or promoting products and services, supporting operational and administrative functions, and complying with legal, regulatory, and insurance reporting obligations.
How We May Share, Disclose, or Otherwise Make Personal Information Available
We may disclose, share, sell, license, transfer, or otherwise make personal information available to third parties in certain circumstances as permitted by applicable law. Such disclosures may include sharing information with service providers that perform services on our behalf such as technology vendors, analytics providers, payment processors, customer support providers, marketing vendors, and professional advisors.
Information may also be shared with insurance carriers, managing general agencies, agents, brokers, reinsurers, and related entities involved in underwriting, issuing, servicing, administering, or supporting insurance products or services.
Personal information may be shared among the AssuranceAmerica Companies for operational, administrative, marketing, compliance, analytics, and insurance-related purposes.
We may disclose information when required to comply with applicable laws, regulations, subpoenas, court orders, governmental requests, or law enforcement investigations.
Information may also be disclosed in connection with mergers, acquisitions, asset sales, financing transactions, reorganizations, or other corporate transactions involving the AssuranceAmerica Companies.
Sale or Sharing of Personal Information
Certain privacy laws, including the California Consumer Privacy Act (“CCPA”) and similar state privacy laws, define the terms “sell,” “share,” or “sale” broadly. Under these laws, a “sale” may include the disclosure of personal information to a third party for monetary or other valuable consideration, and “sharing” may include the disclosure of personal information for cross-context behavioral advertising.
The AssuranceAmerica Companies may disclose, share, make available, license, or otherwise transfer personal information to affiliated companies, service providers, insurance partners, marketing partners, analytics providers, technology vendors, data partners, or other third parties in connection with operating our business, providing insurance products and services, marketing or promotional activities, analytics, fraud prevention, operational support, or other legitimate business purposes.
Depending on how certain privacy laws define these terms, some of these activities could be characterized as a “sale” or “sharing” of personal information under those laws, even though the information may be disclosed for business, operational, service-related, or marketing purposes.
Where required by applicable law, individuals may have rights to request information about such practices or to opt out of certain types of disclosures. Additional information regarding those rights may be provided in applicable state privacy notices.
Data Retention
We may retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including compliance with legal, regulatory, accounting, and insurance recordkeeping requirements, or for other lawful business purposes.
Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse. While we strive to protect personal information, no system or method of transmission can guarantee complete security.
Updates to This Privacy Policy
We may revise this Privacy Policy from time to time. Updated versions will be effective when posted to our websites or otherwise made available.
Contact Information
AssuranceAmerica
Attn: Legal Department
100 Galleria Pkwy, Suite 800
Atlanta, GA 30339
legal@aainsco.com