TopInsure.ai Privacy Policy

Information we collect

Depending on how you use TopInsure.ai, we may collect:

• Account and contact information, such as your name, email address, phone number, login information, communication preferences, and account role.
• Insurance-request information, such as date of birth, marital and housing status, addresses, current coverage and costs, requested coverage, vehicle and property details, driver and license information, driving history, claims, violations, and military status.
• Sensitive information you choose to provide, which may include a Social Security number, driver's-license number, precise address, or other information needed for an insurance workflow. Please provide this information only through fields that specifically request it.
• Agent and business information, such as license and National Producer Number details, agency affiliation, service areas, carrier capabilities, professional profile, and billing or lead-credit activity.
• Quote, transaction, and communication information, including quote requests and responses, assignments, messages, appointment records, consent records, payment references, and support communications.
• Device and usage information, such as IP address, browser and device type, pages viewed, referral and campaign parameters, security events, and diagnostic data. Optional analytics is collected only after the applicable cookie consent.

How we use information

• Provide accounts, submit and manage insurance requests, match requests with direct carriers or licensed partner agents, display quote options, and support communications.
• Verify users and professional credentials, prevent fraud and abuse, secure the service, troubleshoot errors, and enforce our terms.
• Process payments and lead credits through payment providers, maintain transaction records, and operate partner workflows.
• Send service, quote, renewal, support, and—where permitted and consented—marketing communications.
• Analyze and improve the service, comply with law, establish or defend legal claims, and maintain business records.

How we disclose information

We may disclose personal information to:

• Insurance participants. When you request insurance options, we may provide the request to selected or eligible carriers, licensed agents, agencies, and their authorized service providers so they can evaluate, contact you about, and respond to the request. These parties may act as independent businesses under their own privacy notices. Agents using TopInsure are contractually restricted to using consumer information for the applicable insurance request, permitted policy servicing, legal compliance, or another use separately authorized by the consumer.
• Service providers. We use providers for hosting, databases, file storage, authentication, payments, communications, analytics, support, security monitoring, caching, and background processing. They receive information needed to perform the applicable service.
• Legal and safety recipients. We may disclose information when reasonably necessary to comply with law, respond to legal process, protect users or the public, investigate fraud or security issues, or enforce agreements.
• Business transaction recipients. Information may be reviewed or transferred as part of financing, due diligence, merger, acquisition, reorganization, or sale of all or part of the business, subject to appropriate protections.

We do not sell personal information for unrelated third-party advertising. Some state laws define “sale” or “sharing” broadly; applicable rights are described below.

Data retention

We retain information for as long as reasonably necessary for the purposes described in this policy, including to maintain your account and insurance-request history, meet contractual and legal obligations, resolve disputes, prevent fraud, and enforce agreements. Retention varies by record type. We delete or de-identify information when it is no longer needed, subject to legal holds, backups, and technical limitations.

Your privacy choices and rights

• Update certain account information through the service or contact us to request access, correction, deletion, or a copy of personal information.
• Unsubscribe from marketing email through the message link. Service and transactional messages may still be sent.
• Manage optional analytics and support technologies through Cookie Settings. We honor Global Privacy Control for analytics as described in our Cookie Policy.
• Depending on where you live, you may have additional rights to know, correct, delete, or obtain personal information; opt out of certain sale, sharing, targeted advertising, or profiling; restrict certain sensitive-information uses; or appeal a denied request.

We may verify your identity before completing a request. Authorized agents may submit requests where permitted by law. We will not discriminate against you for exercising an applicable privacy right.

Cookies and similar technologies

Strictly necessary technologies support authentication, security, consent storage, and core functionality. Google Analytics and PostHog analytics and Intercom support remain blocked until you grant the relevant consent. You can change your selection at any time. See our Cookie Policy.

Security and international processing

We use administrative, technical, and organizational safeguards designed to protect personal information. No system is completely secure. Our service providers may process information in the United States and other locations where they operate, subject to applicable contractual and legal protections. More information is available on our Security page.

Children

The service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. Insurance requests must be submitted by an adult or an authorized representative.

Changes and contact

We may update this policy and will post the revised effective date here. To ask a question or exercise a privacy right, email info@topinsure.ai. Please do not send Social Security numbers, driver's-license numbers, or other sensitive information by email.