PRIVACY POLICY AGREEMENT – Betters Insurance

Last updated: July 20, 2025

Nathan Betters Insurance Agency LLC, doing business as Betters Insurance (“we,” “us,” or “our”), is committed to protecting your privacy and ensuring that your personal data is processed in accordance with applicable law, including the EU General Data Protection Regulation (GDPR). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website (“Site”), use our online services, or interact with us by telephone or in person.

1. Data Controller

Nathan Betters Insurance Agency LLC Address: [Your Business Address] Email: privacy@bettersinsurance.com

2. Legal Basis for Processing

Under the GDPR, we rely on one or more of the following lawful bases to process your personal data:

Consent: You have given clear consent for us to process your personal data for a specific purpose (e.g., marketing communications).
Contract: Processing is necessary to perform a contract with you (e.g., providing insurance quotes or policy services).
Legal Obligation: Processing is necessary to comply with a legal obligation (e.g., record-keeping requirements).
Legitimate Interests: Processing is necessary for our legitimate interests (e.g., improving our website and services), provided such interests are not overridden by your fundamental rights and freedoms.

3. Categories of Personal Data Collected

a. Personal Identifiers:

Name, postal address, email address, telephone number

b. Financial Information:

Billing information, payment card details

c. Identification Numbers:

Date of birth, Social Security number (for soft credit checks with your consent)

d. Technical Data:

IP address, browser type, operating system, cookie identifiers, and usage data

e. Demographic Data (Optional):

Age range, gender, income bracket, preference information (collected only with separate consent)

4. How We Collect Your Data

Directly from You: When you fill out forms, request quotes, purchase a policy, or otherwise communicate with us.
Automatically: Through cookies, web beacons, and similar technologies when you use our Site.

5. Use of Personal Data

We use your personal data to:

Provide insurance services, quotes, and customer support (Contract).
Process transactions and manage billing (Contract).
Send service-related notifications and policy updates (Contract/Legal Obligation).
Comply with legal and regulatory requirements (Legal Obligation).
Communicate marketing offers if you have opted in (Consent).
Improve our Site, services, and customer experience (Legitimate Interests).

6. Data Sharing and Disclosure

We may share your personal data with:

Service Providers: Third parties who perform services on our behalf (e.g., IT, payment processors, claim administrators). They are contractually bound to protect your data.
Regulators and Legal Authorities: When required by law or to respond to legal processes.
Affiliated Agents: For purposes of providing quotes, issuing policies, or claims handling, subject to strict confidentiality obligations.

We do not sell or lease your personal data to third parties for marketing purposes.

7. International Data Transfers

If we transfer your personal data outside the European Economic Area (EEA), we ensure an adequate level of protection by:

Transferring to countries approved by the European Commission.
Using standard contractual clauses approved by the European Commission.

8. Data Retention

We retain personal data only as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary by data type and regulatory requirement (generally no longer than 7 years for insurance records).

9. Your Rights Under GDPR

You have the right to:

Access: Request a copy of your personal data.
Rectification: Correct inaccurate or incomplete data.
Erasure (“Right to be Forgotten”): Request deletion of data where no legal basis to retain exists.
Restrict Processing: Request restriction of processing under certain circumstances.
Data Portability: Receive your data in a structured, commonly used format.
Object: Object to processing based on legitimate interests or direct marketing.
Withdraw Consent: Withdraw consent at any time where processing is based on consent.

To exercise these rights, contact privacy@bettersinsurance.com. We will respond within one month in accordance with GDPR.

10. Cookies and Tracking

We use cookies and similar technologies to enhance site functionality, analyze usage, and for marketing purposes. On your first visit, you will be prompted to accept or decline non-essential cookies. You may adjust your cookie preferences at any time via our cookie banner or browser settings.

11. Children’s Privacy

Our Site is not intended for children under 16. We do not knowingly collect data from children under 16. If you believe we have collected such data, please contact us to have it deleted.

12. Security Measures

We implement appropriate technical and organizational safeguards to protect your personal data against unauthorized access, disclosure, alteration, or destruction, including SSL encryption, access controls, and staff training.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, technology, legal requirements, or regulatory guidance. We will post the revised policy with a new “Last updated” date. Continued use of our Site after changes constitutes acceptance.

14. Contact Information

For questions, access requests, or concerns about this Privacy Policy, please contact:

Privacy Officer: nathan@bettersinsurance.com
Nathan Betters Insurance Agency LLC