Effective Date: January 1, 2025

Last Updated: January 14, 2025

Ocean Falls Insurance Services ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

• Name and contact information (email address, phone number, mailing address)
• Business information (company name, job title)
• Insurance-related information necessary to provide quotes and coverage
• Payment and billing information
• Communications you send to us

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our insurance services
• Process insurance applications and claims
• Communicate with you about your policies, quotes, and inquiries
• Send appointment reminders and service-related notifications
• Comply with legal and regulatory requirements
• Protect against fraudulent or illegal activity

3. SMS/Text Messaging Policy

4. Information Sharing and Disclosure

We may share your information with:

• Insurance Carriers: To obtain quotes, bind coverage, and process claims
• Service Providers: Third parties who assist us in operating our business (e.g., IT services, payment processors)
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance records may be retained for extended periods as required by provincial and federal regulations.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications
• Withdraw consent for SMS communications

8. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. You can control cookie settings through your browser preferences.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: