Privacy Policy

Effective Date: 9/8/23

1.      Introduction

Welcome to Emerald Bay Risk Solutions ("Emerald Bay," "we," "our," or "us"). Protecting your privacy and personal information is a top priority for us. This Privacy Policy is designed to inform you about how we collect, use, disclose, and safeguard your information when you use our website or engage with our insurance services. By accessing or using our website or services, you consent to the practices described in this Privacy Policy.

2.      Information We Collect

We may collect the following types of information:

2.1.   Personal Information

  • Name

  • Contact information (address, email address, phone number)

  • Date of birth

  • Financial and payment information

  • Policy information

  • Claims information

2.2.   Non-Personal Information

  • IP address

  • Browser type

  • Operating system

  • Cookies and tracking technologies

  • Website usage data

3.      How We Use Your Information

We may use your information for the following purposes:

3.1.   Providing Insurance Services

  • Processing insurance applications and claims

  • Underwriting and policy management

  • Customer support and communication

3.2.   Marketing and Communications

  • Sending promotional materials and offers

  • Providing updates on our insurance products and services

  • Responding to inquiries

3.3.   Legal and Regulatory Compliance

  • Complying with legal obligations and insurance regulations

  • Conducting fraud prevention and detection

  • Protecting our rights and interests

3.4.   Improving Our Services

  • Analyzing website usage and insurance trends

  • Enhancing user experience

  • Customizing content and advertising

4.      How We Share Your Information

We may share your information with the following parties:

4.1.   Third-Party Service Providers

  • Agents, brokers, and affiliates

  • Payment processors

  • Claims adjusters and investigators

  • Legal and regulatory authorities

4.2.   Business Partners

  • Reinsurance companies

  • Marketing partners

  • Other third parties with whom we have contractual agreements

4.3.   Legal Compliance

  • To comply with legal obligations, court orders, or government requests

  • To protect the rights, property, or safety of Emerald Bay or others

5.      Your Choices and Rights

You have the right to:

5.1.   Access and Correct Your Information

  • Review and update your personal information

  • Request access to your data

5.2.   Data Portability

  • Request a copy of your data in a structured, commonly used, and machine-readable format

5.3.   Opt-Out

  • Opt-out of marketing communications

  • Manage cookie preferences (if applicable)

6.      Security and Retention

We take reasonable measures to protect your information. We retain your data as long as necessary to fulfill the purposes described in this Privacy Policy and as required by applicable laws.

7.      Links to Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any websites you visit through our links.

8.      Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated Privacy Policy on our website with the effective date.

9.      Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at legal@emeraldbayrisk.com.