Contractor's Choice Agency

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Privacy Policy

 Policies

Welcome to Contractors Choice Agency. Below you will find a detailed overview of our policies, including how we manage cancellations, reinstatements, and our commitment to protecting your data. Please read carefully, as these policies govern your use of our services and interactions with our website.

1. Cancellation Policy

The insurance industry is a state and federally regulated industry. Each carrier we represent has a unique cancellation policy. Contractors Choice Agency will make every effort to honor your cancellation requests and notifications. However, policy language will always be the governing authority.

  • Submission Requirements: Any request to change or cancel a policy must be submitted in writing to be honored. Such changes will only be confirmed upon receipt of an endorsement from the carrier.
  • Carrier-Specific Rules: Please review your specific carrier’s cancellation terms for additional details.

2. Reinstatement Policy

If your policy is canceled by a finance company or an insurance carrier and you wish to request reinstatement:

  • Contact your agent directly.
  • Submit a reinstatement request in writing. Fees may apply.
  • Important Note: The final decision on reinstatement lies solely with the carrier. Payments to the finance company must continue, as financial agreements are separate from insurance premiums and fees.

3. Privacy Policy

3.1 Data Collection and Use

We collect certain data through our website and digital interactions, including:

  • Forms: When visitors or users submit forms, we capture the following:
    • Personal Data: Email addresses and any other information provided in form fields.
    • IP Address: For spam protection.
  • Polls: When participating in polls, we collect:
    • IP Address for spam protection and voter limitation.
  • Quizzes: No personally identifiable information is collected from quizzes; only answer data is stored for 30 days.

3.2 Data Retention

  • Form submissions are retained for 30 days unless otherwise required for operational purposes.
  • Poll and quiz data are anonymized and removed after 30 days.

3.3 Data Sharing

Collected data may be shared with our team members, contractors, or trusted third-party services to perform necessary actions based on user submissions. No data will be sold or shared publicly without user consent, except as outlined below.

4. Third-Party Services

Our website integrates with trusted third-party services to improve functionality and user experience. These services include:

4.1 Analytics and Spam Protection

4.2 Email Marketing and Data Management

4.3 File and Data Management

4.4 Content Delivery Network

  • Stackpath CDN: Optimizes site speed by serving files and images. Stores web log information, including IP addresses and user details, for up to 7 days. Privacy Policy

4.5 Image Optimization

  • Smush Plugin: Optimizes images for web use. Transfers EXIF data but does not store it. Privacy Policy

5. Security and Protection

We implement robust security measures to safeguard user data, including encryption protocols and spam protection mechanisms.

6. Updates to This Policy

We reserve the right to update these policies at any time to reflect changes in our practices or legal requirements. Changes will be posted on this page with a revised effective date.


What Personal Data We Collect and Why We Collect It

We collect personal data to provide our services effectively, enhance user experience, and comply with legal requirements. Personal data collected may include:

  • Identifiable Information: Name, email address, and other contact details submitted through forms or interactions.
  • Transactional Data: Purchase information.
  • Technical Data: IP address, browser type, cookies, and other session information.
  • Sensitive Data: Data concerning health or other sensitive categories is collected only with your explicit consent.

Comments

When visitors leave comments, we collect the data shown in the comments form, the visitor’s IP address, and browser user agent string to help with spam detection.

Media

If users upload images to the website, they should avoid uploading images with embedded location data (EXIF GPS), as visitors to the website can download and extract this data.

Contact Forms

When submitting a contact form, we collect the provided information for customer service purposes. We do not use this data for marketing unless explicitly agreed upon.

Cookies

Our website uses cookies to:

  • Maintain user sessions.
  • Analyze website performance through third-party tools like Google Analytics.
  • Enable functionalities provided by plugins and third parties.

Cookies may store user preferences, IP addresses, and other session data.

Analytics

We use third-party analytics services to gather anonymized usage data. Users can opt out by [opt-out instructions]. For details, refer to our analytics provider’s privacy policy at [link].

Who We Share Your Data With

We only share your data with trusted third parties when necessary:

  • StackPath CDN: Stores web log information for 7 days, including IP addresses and user agent data. Read their privacy policy here.
  • WPMU DEV (Smush): Sends images to their servers for optimization. EXIF data is stripped or returned and is not stored on their servers.

We do not sell your personal information to third parties.

How Long We Retain Your Data

We retain personal data based on the type of data:

  • Contact Form Submissions: 1 year for customer service purposes.
  • Analytics Records: 2 years.
  • Transaction Records: 7 years for compliance with legal and tax requirements.

What Rights You Have Over Your Data

You have the right to:

  • Access the data we hold about you.
  • Request correction or deletion of your data.
  • Withdraw consent for data processing.

To exercise these rights, contact us at [privacy-specific contact email].

Where Your Data Is Sent

Your data may be processed outside your country of residence. We ensure compliance with local regulations through:

  • Secure data transfer agreements.
  • Compliance with GDPR for European users.

How We Protect Your Data

We take robust measures to secure your personal information, including:

  • Data encryption in transit and at rest.
  • Secure server environments.
  • Regular staff training in data protection.

What Data Breach Procedures We Have In Place

In case of a data breach, we follow these steps:

  • Notify affected users within 72 hours.
  • Implement measures to mitigate further risks.
  • Report breaches to authorities where required.

What Third Parties We Receive Data From

If we receive user data from third parties, such as social media platforms or advertising networks, it is used solely for enhancing your experience on our site.

What Automated Decision Making and Profiling We Do

We do not use automated decision-making or profiling that significantly affects users without explicit consent.

Industry Regulatory Disclosure Requirements

We comply with [your industry’s regulatory requirements], including:

  • [Specify regulations or standards, e.g., GDPR, CCPA].


SMS Terms & Conditions

Overview

By opting in to our SMS messaging service, you agree to receive automated text messages from Contractors Choice Agency at the phone number you provide. These messages may include updates, insurance-related reminders, promotional offers, and other important information. Message and data rates may apply based on your mobile carrier plan.

Message Frequency

The number of messages you may receive varies depending on the service or action you’ve signed up for:

  • Promotional Updates: Up to 4 messages per month.
  • Reminders and Notifications: Sent as needed, such as payment reminders or policy updates.

You will be notified of the expected frequency when you opt in.

Fees

Contractors Choice Agency does not charge fees for this service. However, standard message and data rates may apply based on your mobile carrier plan. Contact your mobile provider for more information.

Opt-In Methods

You may subscribe to our SMS messaging service using one of the following methods:

  1. Text “QUOTE” to 844-967-5247: This will enroll you to receive updates and promotional offers.
  2. Online Opt-In: Checking the box for SMS updates on our website during account creation or inquiry submission automatically subscribes you.
  3. Phone or Email Request: You can request SMS enrollment during phone or email correspondence with our team.

You will receive a confirmation text once you’ve successfully opted in.

Opt-Out Methods

You can stop receiving SMS messages at any time using the following methods:

  • Reply “STOP”: Text “STOP” to 844-967-5247 to unsubscribe. You will receive a confirmation message that you’ve been removed from the list.
  • Contact Customer Support: Reach out to Josh Contner at josh@contractorschoiceagency.com or call 844-967-5247 to request removal.

Opting out of SMS messaging does not affect your ability to receive communications through other channels, such as email or phone.

Help and Support

For assistance or more information regarding our SMS service:

Privacy

We take your privacy seriously. Your information will only be used to provide the SMS service you’ve opted into. We will not sell, share, or distribute your data to third parties without your consent. For more details, please review our Privacy Policy.

Delivery

We strive to ensure timely delivery of all SMS messages. However, delays or undelivered messages may occur due to technical issues with carriers or your mobile device.

Eligibility

By enrolling in our SMS service, you confirm that:

  1. You are at least 18 years old or have obtained parental/guardian consent.
  2. You are the authorized user of the mobile device or have the account holder’s permission.

Changes to Terms & Conditions

We reserve the right to update these Terms & Conditions at any time. Any changes will be effective immediately upon posting to our website. Continued use of the SMS service constitutes agreement to the updated terms.

Contact Information

For questions or concerns about these SMS Terms & Conditions, please contact:

Effective Date: May 1, 2020
Last Updated: December 6, 2024