Privacy Policy

Terrell Starr Insurance Agency, Inc. ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, store, share, and protect information obtained through our website, quote request forms, telephone communications, email communications, and all other interactions with our agency.

By visiting our website, submitting a quote request, or otherwise providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy and consent to the practices described herein.

1. Information We Collect

We collect personal information in connection with providing insurance agency services, responding to inquiries, and operating our website. The categories of personal information we may collect include:

1.1 Information You Provide Directly

• Full name, date of birth, and government-issued identification numbers as required for insurance applications
• Mailing address, residential address, and property addresses
• Telephone numbers (mobile, home, and business)
• Email addresses
• Social Security Number or Tax Identification Number, where required for insurance underwriting purposes
• Driver's license number and driving history
• Vehicle identification numbers (VINs) and vehicle information
• Property descriptions, home value estimates, and construction details
• Business name, business type, annual revenue, and number of employees
• Existing insurance policy information and coverage history
• Claims history and prior insurance information
• Health information as required for life insurance applications
• Financial information relevant to coverage needs
• Messages, notes, and communications submitted through our contact forms

1.2 Information Collected Automatically

• IP address and approximate geographic location derived from IP address
• Browser type, version, and operating system
• Pages visited, time spent on pages, and navigation paths
• Referring website or search query that directed you to our site
• Date and time of website visits
• Device identifiers and device type
• Cookie data and similar tracking technology data

2. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to insurance quote requests and provide accurate policy recommendations
• To submit applications to insurance carriers on your behalf
• To communicate with you regarding your insurance needs, existing policies, and coverage options
• To process policy changes, endorsements, and renewals
• To assist you in the event of a claim or coverage question
• To comply with legal obligations imposed by state and federal insurance regulations
• To verify your identity and prevent fraud
• To improve our website functionality and user experience
• To send appointment reminders, policy renewal notices, and service updates
• To conduct annual policy reviews and proactively communicate coverage recommendations
• To respond to legal inquiries, regulatory examinations, or law enforcement requests

3. Quote Request Submissions

When you submit a quote request through our website or by telephone, the information you provide is used exclusively to prepare insurance quotes, communicate with insurance carriers on your behalf, and follow up with you regarding your coverage needs. Quote request information is transmitted to our licensed professionals via secure channels and is not sold, rented, or shared with unaffiliated third parties for marketing purposes.

4. Cookies and Tracking Technologies

4.1 Types of Cookies We Use

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. The types of cookies we use include:

• Essential Cookies: Required for basic website functionality, including form submissions and navigation. These cannot be disabled without affecting site performance.
• Analytics Cookies: Used to collect aggregate, anonymized data about website usage patterns. We use this information to improve our website content and structure.
• Preference Cookies: Store your preferences such as language settings or display preferences to improve your experience on return visits.

4.2 Managing Cookies

You may disable cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website, including the ability to submit quote request forms. Most modern browsers provide controls for managing cookie preferences in their settings or privacy menus.

5. Analytics Services

We may use third-party analytics services to analyze website traffic and usage patterns. These services may collect information about your use of our website, including pages visited, time spent, and interactions. Analytics data is aggregated and anonymized where possible. We do not permit analytics providers to use data collected on our behalf for their own purposes.

6. Email and Phone Communications

By providing your email address or telephone number, you consent to receive communications from Terrell Starr Insurance Agency, Inc. related to your insurance inquiry, existing policies, and service updates. We do not send unsolicited commercial email (spam). All marketing communications will include a clear opt-out mechanism.

You may opt out of non-essential communications at any time by contacting us at president@terrellstarrinsuranceagency.com or by calling 470-776-4817. Please note that opting out of marketing communications does not affect our ability to send you transactional or service-related communications related to active policies.

7. Information Sharing and Disclosure

7.1 Insurance Carriers

In the course of obtaining insurance quotes and placing coverage on your behalf, we share necessary personal information with licensed insurance carriers. This sharing is required to generate accurate quotes and bind coverage. Carriers are subject to their own privacy policies and applicable state and federal insurance privacy regulations.

7.2 Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as technology providers, document management services, and professional advisors. These service providers are contractually required to maintain the confidentiality of your information and use it only for the purposes for which it was shared.

7.3 Legal Requirements

We may disclose personal information when required by law, court order, regulatory authority, or government investigation. We may also disclose information when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

7.4 What We Do Not Do

We do not sell, rent, lease, or otherwise transfer your personal information to unaffiliated third parties for their own marketing purposes. We do not share your Social Security Number or detailed financial information except as required for insurance underwriting with licensed carriers.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are retained in accordance with Georgia Department of Insurance regulations and applicable federal requirements. Client files are generally retained for a minimum of seven (7) years following the termination of an insurance relationship.

9. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include secure data transmission protocols, access controls, and regular review of our data handling practices.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security.

10. Your Privacy Rights

10.1 Right to Access

You have the right to request access to the personal information we hold about you. To submit an access request, contact us at president@terrellstarrinsuranceagency.com.

10.2 Right to Correction

If you believe that any personal information we hold about you is inaccurate or incomplete, you have the right to request correction. We will take reasonable steps to update or correct information upon your request.

10.3 Right to Deletion

Subject to applicable legal requirements and our legitimate business interests, you may request deletion of your personal information. Please note that we may be required to retain certain information to comply with legal obligations, including insurance regulatory requirements.

10.4 California Consumer Privacy Act (CCPA) Disclosures

To the extent applicable, California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to know whether personal information is sold or disclosed and to whom, the right to opt out of the sale of personal information, the right to access their personal information, and the right to equal service and price. We do not sell personal information as defined under the CCPA.

11. Children's Privacy

Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information as soon as practicable.

12. Fraud Prevention

We reserve the right to use personal information to detect, investigate, and prevent fraudulent activities, including insurance fraud. Information related to suspected fraud may be shared with insurance carriers, law enforcement agencies, and fraud prevention organizations as permitted by law.

13. External Links

Our website may contain links to third-party websites. This Privacy Policy applies only to our website and our direct communications. We are not responsible for the privacy practices of linked third-party sites and encourage you to review the privacy policies of any website you visit.

14. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of our website or services following the posting of changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact us at:

• Terrell Starr Insurance Agency, Inc.
• 1671 Forest Parkway, Forest Park, GA 30297, United States
• Email: president@terrellstarrinsuranceagency.com
• Phone: 470-776-4817