Privacy Policy

INSURANCE GROUP OF NEVADA CORP – COMPREHENSIVE PRIVACY POLICY

Effective Date: October 26, 2025
Last Updated: October 26, 2025

SCOPE AND APPLICABILITY

This Privacy Policy applies to Insurance Group of Nevada Corp ("Company," "we," "us," or "our") and governs our collection, use, disclosure, and protection of personal information through our website at https://insurancechoice.us, mobile applications, and all insurance services we provide. This policy complies with the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Nevada Privacy Law, and all applicable federal and state privacy regulations.

INFORMATION WE COLLECT

Personal Information Categories

We collect the following categories of personal information:
Contact Information:

  • Name, address, phone number, email address
  • Emergency contact information
  • Preferred communication methods

Financial Information:

  • Bank account numbers, credit/debit card information
  • Income, employment information, credit history
  • Payment history and billing information

Insurance-Related Information:

  • Policy numbers, coverage details, claims history
  • Driving records, motor vehicle reports
  • Medical information (for health and life insurance only)
  • Property information and valuations

Technical Information:

  • IP address, browser type, device identifiers
  • Website usage patterns, page views, session duration
  • Cookies and similar tracking technologies

Demographic Information:

  • Age, gender, marital status, household composition
  • ZIP code and geographic location

Sources of Information We collect information from:

  • Directly from you through applications, forms, and communications
  • Third-party sources including credit agencies, motor vehicle departments, medical providers, and other insurance companies
  • Public records and databases
  • Our website, mobile applications, and digital platforms
  • Automatic data collection technologies


HOW WE USE YOUR INFORMATION We use your personal information for the following business purposes:
Primary Business Functions

  • Processing insurance applications and underwriting policies
  • Providing insurance coverage and processing claims
  • Billing and payment processing
  • Customer service and support
  • Fraud prevention and detection
  • Compliance with legal and regulatory requirements

Secondary Business Functions

  • Marketing our insurance products and services
  • Improving our products, services, and customer experience
  • Conducting research and analytics
  • Internal business operations and administration

Legal Bases for Processing

We process personal information based on:

  • Contract performance and fulfillment
  • Legitimate business interests
  • Legal compliance requirements
  • Consent (where required by law)


INFORMATION SHARING AND DISCLOSURE

Permitted Disclosures Under GLBA

We may share your nonpublic personal information with:
Affiliates: Companies related by common ownership or control for business purposes consistent with this policy.
Nonaffiliated Third Parties for Business Functions:

  • Insurance companies for coverage placement and claims processing
  • Reinsurance companies for risk transfer
  • Agents, brokers, and intermediaries for policy administration
  • Service providers for data processing, customer service, and administrative functions
  • Credit agencies and financial institutions for payment processing
  • Legal and professional advisors

Required Legal Disclosures:

  • Government agencies and regulators as required by law
  • Courts and legal proceedings pursuant to valid legal process
  • Law enforcement for fraud prevention and investigation

Opt-Out Rights for Information Sharing

You have the right to opt out of certain information sharing. You may direct us not to:

  • Share information with affiliates for marketing purposes
  • Share information with nonaffiliated third parties for their marketing purposes

To exercise your opt-out rights, contact us at:

  • Phone: (702) 555-0123
  • Email: privacy@insurancechoice.us
  • Mail: Insurance Group of Nevada Corp, Privacy Officer, 1415 Arville Street Suite 101, Las Vegas, NV 89102


CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)Rights of California Residents

If you are a California resident, you have the following privacy rights:
Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected, used, disclosed, or sold about you.
Right to Delete: Request deletion of personal information we have collected from you, subject to certain exceptions.
Right to Correct: Request correction of inaccurate personal information we maintain about you.
Right to Opt-Out of Sale: Request that we do not sell your personal information to third parties.
Right to Opt-Out of Targeted Advertising: Request that we do not use your personal information for targeted advertising.
Right to Limit Use of Sensitive Personal Information: Request that we limit our use of your sensitive personal information.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
Categories of Personal Information We ProcessWithin the past 12 months, we have collected and may disclose the following categories of personal information about California residents:

  • Identifiers (names, addresses, phone numbers, email addresses)
  • Financial information (bank accounts, credit information, payment history)
  • Commercial information (transaction records, policy details)
  • Internet activity (website usage, search history on our platforms)
  • Geolocation data (general location based on IP address)
  • Professional information (employment, income details)
  • Sensitive personal information (health data for health insurance policies only)

Sale and Sharing of Personal Information

We do not sell personal information to third parties for monetary consideration. We may share personal information with service providers and business partners as described in this policy.
How to Exercise Your California Rights

To exercise your California privacy rights:

We will verify your identity before processing requests and respond within 45 days (extendable by an additional 45 days if necessary).

NEVADA PRIVACY RIGHTS

Nevada residents have the right to opt out of the sale of personally identifiable information. While we do not sell personal information as defined by Nevada law, you may submit an opt-out request by contacting us at privacy@insurancechoice.us or (702) 555-0123.

DATA SECURITY AND PROTECTIONSecurity MeasuresWe implement comprehensive security measures to protect your personal information:
Physical Safeguards:

  • Restricted access to facilities and records
  • Secure storage of paper and electronic records
  • Proper disposal of sensitive information

Administrative Safeguards:

  • Employee training on privacy and security policies
  • Access controls and authorization procedures
  • Regular security audits and assessments

Technical Safeguards:

  • Encryption of data in transit and at rest
  • Firewall protection and intrusion detection systems
  • Multi-factor authentication for system access
  • Regular software updates and security patches

Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify you and relevant authorities as required by applicable law, typically within 72 hours of discovery.

COOKIES AND TRACKING TECHNOLOGIES

Our website uses cookies and similar technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Provide personalized content and advertisements
  • Ensure website security and functionality

You can manage cookie preferences through your browser settings. Disabling cookies may affect website functionality and your user experience.

DATA RETENTION

We retain personal information for as long as necessary to:

  • Fulfill the purposes for which it was collected
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce agreements
  • Support business operations and customer relationships

Insurance records are typically retained for a minimum of seven years after policy termination, or as required by applicable insurance regulations.

CHILDREN'S PRIVAC

Your services are not directed to individuals under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by:

  • Posting the updated policy on our website
  • Sending notice to your email address on file
  • Providing notice through other communication channels as appropriate

The effective date at the top of this policy indicates when it was last updated.

CONTACT INFORMATION

General Privacy Inquiries

Insurance Group of Nevada Corp
Privacy Officer
1415 Arville Street Suite 101
Las Vegas, NV 89102
Phone: (702) 555-0123
Email: privacy@insurancechoice.us
California Privacy Rights RequestsEmail: california-privacy@insurancechoice.us
Online: https://insurancechoice.us/california-privacy-request
Nevada Privacy Rights RequestsEmail: nevada-privacy@insurancechoice.us
Phone: (702) 996-6434

REGULATORY COMPLIANCE STATEMENTInsurance Group of Nevada Corp is licensed to conduct insurance business in multiple states and is committed to complying with all applicable federal and state privacy laws, including but not limited to:

  • Gramm-Leach-Bliley Act (GLBA)
  • California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
  • Nevada Privacy Law (NRS Chapter 603A)
  • Health Insurance Portability and Accountability Act (HIPAA) where applicable
  • Fair Credit Reporting Act (FCRA)
  • State insurance privacy regulations

This Privacy Policy serves as our GLBA Privacy Notice and will be provided annually to our customers as required by federal law.

This Privacy Policy constitutes a legally binding agreement between you and Insurance Group of Nevada Corp regarding the collection, use, and protection of your personal information in connection with our insurance services.

Thank you for visiting Insurance Group of Nevada.  We respect your privacy and want you to understand the ways in which we collect and use the information provided online.


This Internet Privacy Policy applies to www.InsuranceChoice.us and other websites or mobile applications that link to this Policy (the “Online Services”). It does not apply to any non-Insurance Group of Nevada  websites or mobile applications that you may access via the Online Services. Such services are governed by the privacy policies appearing on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices


How We Collect Personal and Non-Personal Information Through the Online Services


We collect two kinds of information through the Online Services: non-personal information and personal information.


The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).


We also collect personal information that can identify a visitor or user, including but not limited to name, address or other contact information, policy information or information provided for roadside assistance services, but only when you voluntarily provide it. In addition, certain of the Online Services may collect precise information about the location of your mobile device but only with your express consent. Once you have consented to the collection of the precise location of your mobile device, you may adjust this consent by managing your location services preferences through the settings of your mobile device.


Children’s Privacy


Insurance Group of Nevada  does not seek or knowingly collect personal information from children under the age of 13, and we request that children do not provide information through the Online Services.


How We Use Your Information


We may use the information we collect through the Online Services for several purposes, including:


  • To provide you with products, services, or information you request;
  • To process orders;
  • To provide you with information about the Online Services or required notices;
  • To deliver marketing communications or promotional materials that may be of interest to you;
  • To improve the services we provide and the usefulness of the Online Services;
  • To customize your experience when using the Online Services;
  • To comply with applicable laws and regulations;
  • To perform research; and
  • To prevent and detect fraud, infringement, and other potential misuse.
  • We may also anonymize, combine, or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.


If you provide us with personal information, we will not sell, license, transmit, or disclose this information outside of   Insurance Group of Nevada  unless: (1) you expressly authorize us to do so; (2) it is necessary to allow our contractors or agents to provide services for us; (3) it is necessary to provide our products or services to you; (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements; (5) in connection with a merger, consolidation, acquisition, divestiture, or other corporate restructuring; or (6) it is otherwise required or permitted by law.


No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.


How We Use “Cookies” and Other Data Collection   Tools


Insurance Group of Nevada  may place electronic “cookies” in the browser files of your computer or mobile device when you access a  Insurance Group of Nevada  website. Cookies are pieces of information that a  Insurance Group of Nevada  website transfers to your computer or mobile device to enable our systems to recognize your browser and to tailor the information on our websites to your interests. For example, if you previously visited a  Insurance Group of Nevada  website and accessed your account information or inquired about particular services over the website, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the website. Moreover,  Insurance Group of Nevada  or our third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience. We also use cookies to analyze visitors’ use of our websites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly.


Many web browsers are automatically set to accept cookies. You may change your web browser settings to either reject cookies or to notify you when a cookie is about to be placed on your computer or mobile device. Please note, however, that rejecting cookies while visiting any of our websites may result in certain parts of the website not operating as efficiently as if the cookies were allowed. For example, if you reject cookies from our websites, you may not be able to access a preferred location, view a customized default home page or pre-populated form or easily access your recently visited links or pages.


We and our service providers or third-party ad servers may also use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Online Services. While, as described above, you may have the opportunity to control the use of cookies through your web browser, we do not currently respond to web browser “Do Not Track” signals or other mechanisms that provide a method to opt out of the collection of information across the networks of websites and online services in which we participate. If we do so in the future, we will describe how we do so in this Online Privacy Policy. For more information about Do Not Track, please visit www.allaboutdnt.com.


Security of Internet Communications


The Internet is not a secure medium. We employ reasonable administrative, technical and physical safeguards to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our websites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. Unfortunately, no method of transmitting or storing data can be guaranteed to be 100 percent secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to  Insurance Group of Nevada  over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.


We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.


How to Contact Us and Access and Correct Your   Information


If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter to the address below with your question or requesting to see your information. We will be happy to make corrections whenever possible but may not be able to provide information relating to investigations, claims, litigation and other matters.


Please address requests to:


Insurance Group of Nevada
Attention: Privacy Inquiries


Insurance Group of Nevada
Telephone: (702) 996-6434

Email: info@insurancechoice.us


Blogs and Other Interactive Features


We may offer blogs, online forums or other interactive features on the Online Services that enable consumers to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such interactive features, whether or not it contains personal information about you.


Links to Other Sites


For your convenience we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such websites, please be sure to carefully review the web site’s privacy policy.


We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.


Consent


By using the Online Services, you signify your consent to this Online Privacy Policy and this site’s Terms of Use. If you do not agree to this policy or the site’s Terms of Use, please do not use the Online Services. The Online Services are not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the Online Services.


Maintenance of the Services


The Services are maintained by us in the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States.


Changes to this Privacy Policy


We may change this Online Privacy Policy at any time and from time to time. Any amendments or modifications to this Online Privacy Policy will become effective immediately upon posting. Your continued use of any of our Online Services following the posting of a revised version of this Online Privacy Policy will constitute your acceptance of the revised Policy. If you do not agree with the revised Online Privacy Policy, do not use any of our Online Services.


Last Updated   Nov 2024