Alves Insurance LLC is committed to protecting the privacy, confidentiality, and security of your personal information. This Privacy Policy explains in detail how we collect, use, disclose, and safeguard your information in connection with our website and insurance services.
This Policy is intended to comply with applicable federal and Connecticut laws, including the Gramm-Leach-Bliley Act (GLBA) and relevant provisions of the Connecticut General Statutes governing insurance information and privacy. By accessing our website or using our services, you acknowledge and agree to the terms of this Privacy Policy.
1. Categories of Information We Collect:
We collect personal information necessary to provide insurance products and services. This may include:
A. Identifying Information:
Full name
Residential and mailing address
Email address
Telephone number
Date of birth
Driver’s license or state identification number
B. Insurance and Risk Information:
Vehicle information (VIN, usage, driving history)
Property details (location, value, condition, occupancy)
Business operations and exposures (for commercial policies)
Claims and loss history
Prior insurance coverage and underwriting information
C. Financial and Payment Information:
Billing address
Payment method details (processed via secure third-party providers)
Transaction and payment history
D. Internet and Technical Data:
IP address
Browser type and version
Device identifiers
Pages visited, time spent, and referring URLs
Cookie and tracking data
E. Communications and Correspondence:
Emails, phone calls, and text messages with our agency
Recorded calls (where permitted by law) for quality assurance
2. Sources of Information:
We collect information from multiple sources, including:
Directly from you (applications, forms, website submissions).
Insurance carriers and underwriting companies.
Consumer reporting agencies (e.g., motor vehicle reports, claims databases).
Third-party data providers for risk assessment.
Website analytics and tracking technology.
3. How We Use Your Information:
We use your personal information for legitimate business purposes, including:
A. Providing Insurance Services
Generating quotes and policy options.
Submitting applications to insurance carriers.
Quoting, Binding, servicing, and renewing policies.
B. Communication
Responding to inquiries.
Sending policy documents, notices, and updates.
Providing customer support.
C. Payment Processing
Facilitating premium payments.
Maintaining billing records.
D. Legal and Regulatory Compliance
Complying with Connecticut insurance laws and regulations.
Responding to legal process (subpoenas, court orders).
Fraud detection and prevention.
E. Business Operations
Internal recordkeeping and auditing.
Improving website functionality and user experience.
Data analysis and service optimization.
4. Disclosure of Information:
We may disclose your personal information as follows:
A. Insurance Carriers and Underwriting Entities
To obtain quotes, issue policies, and service coverage.
B. Service Providers
Third parties that perform services on our behalf, including:
Payment processors.
IT and cloud storage providers.
CRM and communication platforms.
These parties are required to maintain confidentiality and use information only for authorized purposes.
C. Consumer Reporting Agencies
As necessary for underwriting, rating, or claims purposes.
D. Legal and Regulatory Authorities
When required to comply with:
Connecticut insurance regulations.
Federal or state law.
Legal process or government requests.
E. Permitted Disclosures Under Law
Including disclosures for:
Fraud prevention.
Risk management.
Reinsurance and auditing.
We do not sell your personal information.
5. Connecticut Privacy Rights
Subject to applicable Connecticut law, you have the right to:
Access personal information we maintain about you.
Request correction of inaccurate or incomplete data.
Request disclosure of certain information sharing, where required by law.
Requests must be submitted in writing using the contact information below. We may take reasonable steps to verify your identity before processing requests.
6. Data Security
We implement and maintain reasonable safeguards to protect your personal information, including:
Administrative Safeguards.
Employee training on privacy and data protection.
Internal access controls and policies.
Technical Safeguards.
Secure systems and encryption technologies.
Firewalls and intrusion detection systems.
Physical Safeguards.
Restricted access to offices and systems.
Secure document storage and disposal.
Despite these measures, no system can guarantee complete security.
7. Data Retention
We retain personal information:
For as long as necessary to fulfill the purposes outlined in this Policy.
As required by Connecticut insurance record retention laws.
To comply with legal, regulatory, and contractual obligations.
When no longer required, information is securely destroyed or anonymized.
8. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
Maintain website functionality.
Analyze user behavior and traffic.
Improve performance and user experience.
You may manage or disable cookies through your browser settings; however, doing so may affect website functionality.
9. Third-Party Websites
Our website may contain links to external websites not operated by us. We are not responsible for the content, security, and privacy practices of those third parties.
10. Electronic Communications and Consent By using our website and services, you consent to:
Receiving communications electronically.
Use of electronic signatures where permitted. You may withdraw consent at any time by contacting us, though this may affect service delivery.
11. Children’s Privacy
Our services are intended for individuals aged 18 and older. We do not knowingly collect personal information from children. If we become aware of such collection, we will take appropriate steps to delete the information.
12. Changes to This Privacy Policy We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date. Your continued use of our website or services constitutes acceptance of any changes.
13. Regulatory Contact If you believe your privacy rights have been violated, you may contact: Connecticut Insurance Department
P.O. Box 816
Hartford, CT 06142-0816
Phone: (860) 297-3900