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Kentford Insurance Group Inc ("Agency," "we," "us," or "our") is committed to protecting the privacy and confidentiality of the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, safeguard, and retain information when you visit our website, request an insurance quote, apply for coverage, obtain a surety bond, communicate with our team, or use our services.

We recognize the importance of protecting personal and business information and maintaining appropriate privacy practices throughout our operations.
 

1. Information We Collect

Depending on your interactions with our Agency, we may collect the following categories of information.

Personal and Contact Information

• Full name and contact details

• Mailing and business addresses

• Email address and telephone number

• Job title and business affiliation

Business and Insurance Information

• Business name, industry, and operations

• USDOT and motor carrier authority information

• Vehicle, equipment, and fleet details

• Driver information and driving history

• Insurance applications and policy information

• Claims and loss history

• Revenue, payroll, and other underwriting information

• Surety bond applications and supporting financial documentation

Sensitive Information

When reasonably necessary for an insurance or surety transaction, we may collect additional information, including driver's license numbers, dates of birth, financial information, or other information required by insurers and surety companies.

We seek to collect sensitive information through appropriate secure channels.

Website and Technical Information

When you access our website, certain information may be collected automatically, including:

• IP address and approximate location derived from it

• Browser and device information

• Pages visited and referring websites

• Website interaction and usage information

• Cookies and similar technologies, where used
   

2. How We Collect Information

We may obtain information directly from you when you:

• Complete a quote request or insurance application

• Submit a website contact form

• Request a certificate of insurance or policy change

• Apply for a surety bond

• Communicate with us by telephone, email, or text message

• Provide documentation necessary for insurance services

We may also receive information from insurance companies, wholesale brokers, managing general agents, surety companies, insurance-support organizations, public records, consumer reporting agencies, and other authorized sources, as permitted by applicable law.
 

3. How We Use Your Information

We may use information to:

• Respond to inquiries and provide customer assistance

• Prepare and submit insurance or surety applications

• Obtain quotations from insurance markets

• Evaluate insurance eligibility and coverage options

• Facilitate policy issuance, renewals, and changes

• Assist with billing, claims, and policy administration

• Verify information and prevent fraud

• Fulfill regulatory and legal obligations

• Maintain business records and improve our services

• Communicate important information regarding requested services

• Send marketing communications where permitted by law and consistent with applicable consent requirements

We use personal information for legitimate business purposes and in accordance with applicable legal requirements.
 

4. How We Share Information

As an independent insurance agency, we may need to disclose information to third parties to provide requested products and services.

These parties may include:

Insurance Companies and Insurance Markets

Insurers, wholesale brokers, managing general agents, underwriting organizations, and other insurance market participants involved in evaluating, quoting, issuing, or servicing coverage.

Surety Companies

Surety providers and underwriting partners involved in reviewing and issuing bonds.

Insurance Service Providers

Claims administrators, insurance-support organizations, inspection providers, and other parties supporting insurance transactions.

Technology and Business Service Providers

Companies providing website hosting, secure document management, customer relationship management, electronic signatures, payment processing, email, messaging, and other business support services.

Legal and Regulatory Authorities

Government agencies, regulators, courts, and other authorized parties when disclosure is required or permitted by law.

Business Transactions

Information may be disclosed in connection with a proposed or completed business transfer, merger, acquisition, or restructuring, subject to applicable privacy obligations.

We do not sell nonpublic personal financial information in violation of applicable law.

We do not disclose nonpublic personal information to unaffiliated third parties for their independent marketing purposes unless such disclosure is permitted by applicable law and any required notices, consent, or opt-out opportunities have been provided.
 

5. Insurance Privacy and Financial Information

Certain information collected in connection with insurance transactions may qualify as nonpublic personal financial information under applicable federal and state privacy laws.

Our Agency handles such information in accordance with applicable requirements, including the Gramm-Leach-Bliley Act and relevant state insurance privacy laws.

Where required, we provide additional privacy notices describing our information-sharing practices and applicable consumer rights.

If a disclosure requires an opportunity to opt out, we will provide the required notice and method for exercising that right before making the disclosure.

This Website Privacy Policy does not replace any separate insurance-specific privacy notice that must be delivered to an applicant, insured, or customer under applicable law.
 

6. Cookies and Website Analytics

Our website may use cookies and similar technologies to support functionality, maintain security, understand website traffic, and improve the user experience.

Depending on the technologies implemented, cookies may include essential, functional, analytics, or advertising cookies.

You may be able to manage cookies through your browser settings or through website privacy controls where available.

Disabling certain cookies may affect website functionality.

Where required by applicable law, we will provide additional disclosures and choices regarding tracking technologies.
 

7. SMS and Text Messaging Privacy

If you provide your telephone number and consent to receive applicable text messages, we may use SMS to communicate regarding insurance quotes, applications, appointments, policy servicing, document requests, or other authorized matters.

Marketing messages, where offered, are subject to applicable consent requirements.

We do not sell or share mobile phone numbers, SMS opt-in information, or text messaging consent records with third parties or affiliates for their own marketing or promotional purposes.

We may share information with messaging providers and other service providers solely as necessary to deliver and administer authorized communications, subject to applicable law.

You may opt out of text messages by replying STOP or by communicating your request through another reasonable method.

Reply HELP for assistance or contact us using the information below.

Message and data rates may apply. Message frequency varies.

For additional details, please review our SMS Terms & Conditions.
 

8. Email and Marketing Communications

We may send emails relating to insurance inquiries, applications, policy servicing, renewals, and other business communications.

Where permitted by law, we may also send newsletters, educational resources, and promotional communications.

You may unsubscribe from promotional emails by following the instructions included in those messages or contacting us directly.

Opting out of marketing communications does not necessarily prevent us from sending transactional, policy-related, or legally required communications.
 

9. Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and misuse.

These safeguards may include access restrictions, secure communication systems, authentication measures, employee confidentiality practices, and appropriate oversight of service providers.

We periodically evaluate our information security practices based on operational needs and applicable legal requirements.

Although we take reasonable steps to protect information, no electronic system or internet transmission can be guaranteed completely secure.
 

10. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including insurance transactions, policy servicing, legal obligations, regulatory compliance, dispute resolution, and legitimate business recordkeeping.

Retention periods may vary depending on the type of information, applicable insurance laws, contractual requirements, and the nature of the customer relationship.

When information is no longer required, we take appropriate steps to securely delete, destroy, or de-identify it, subject to applicable requirements.
 

11. Your Privacy Rights

Depending on applicable law and your relationship with our Agency, you may have rights to:

• Request information about personal data maintained by our Agency

• Access certain personal information

• Request correction of inaccurate information

• Request deletion of eligible information

• Withdraw certain previously granted consents

• Opt out of certain marketing communications or information disclosures

These rights are subject to applicable legal exceptions, verification requirements, and recordkeeping obligations.

Insurance-specific laws may provide additional rights concerning access to recorded personal information, correction of inaccurate information, and information about certain adverse underwriting decisions.

To submit a privacy request, contact us using the information provided below.

We may need to verify your identity and authority before responding to a request.
 

12. Information Concerning Drivers and Other Individuals

In connection with commercial transportation insurance, we may receive information about drivers, employees, contractors, business owners, or other individuals provided by commercial applicants and insureds.

We use this information for appropriate insurance-related purposes, including underwriting submissions, policy administration, and other authorized activities.

Businesses providing information about other individuals are responsible for complying with applicable requirements concerning notice, authorization, and lawful disclosure.

We handle such information in accordance with applicable insurance privacy laws and other relevant legal requirements.
 

13. Third-Party Websites and Services

Our website may contain links to insurer websites, payment portals, document platforms, or other third-party services.

These organizations may maintain separate privacy policies and information security practices.

We encourage users to review the privacy policies of third-party services before providing personal information.

We are not responsible for the independent privacy practices of third-party websites that we do not control.
 

14. Children's Privacy

Our website and insurance services are intended for adults and business representatives and are not directed toward children under 13.

We do not knowingly collect personal information directly from children under 13 through our website.

If we become aware that such information has been collected in circumstances requiring deletion, we will take appropriate action in accordance with applicable law.

This section does not prevent the lawful collection of information concerning minors when necessary for an authorized insurance transaction.
 

15. Data Breaches and Security Incidents

If we identify a security incident involving personal information, we will investigate and respond as appropriate.

Where required, we will provide notices to affected individuals, regulators, or other parties in accordance with applicable federal and state laws.
 

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, information practices, or applicable laws.

The updated version will be posted on this page with a revised effective date.

Where required by law, we will provide additional notice or obtain consent before implementing material changes to our information practices.
17. Contact Us

If you have questions regarding this Privacy Policy, our information practices, or your privacy rights, please contact here
email: info@kentfordinsurance.com
phone (773) 299 8133