Last updated: December 6, 2024
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
- Google Analytics: Tracks website traffic while anonymizing user identities.
- Google reCAPTCHA & hCaptcha: Protects against spam and abuse.
- Akismet Spam Protection: Filters spam submissions.
4.2 Email Marketing and Data Management
- Mailchimp, ActiveCampaign, Aweber, Campaign Monitor: Used to manage subscriber lists.
4.3 File and Data Management
- Google Drive, Google Sheets, Trello, Slack: Used for internal data management and integrations.
5. SMS Terms & Conditions
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 Frequency: Up to 4 messages per month for promotional updates; reminders sent as needed.
Opt-In Methods:
- Text "QUOTE" to 844-967-5247
- Online Opt-In via website forms
- Phone or Email Request with our team
Opt-Out: Reply "STOP" to 844-967-5247 or contact Josh Cotner at josh@contractorschoiceagency.com
Help: Text "HELP" to 844-967-5247 for support.
6. Your Data Rights
You have the right to:
- Access the data we hold about you
- Request correction or deletion of your data
- Withdraw consent for data processing
7. Data Security
We implement robust security measures to safeguard user data, including encryption protocols and spam protection mechanisms.
8. 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.
