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Privacy Policy

1. Introduction

At Ruddy Insurance Group, we value your trust and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you interact with us - whether in person, online, by phone, or through email.

We follow federal and state privacy laws applicable to insurance agencies, including the Gramm-Leach-Bliley Act (GLBA) and other relevant consumer protection laws.

2. Information We Collect

We may collect the following types of information:

• Personal Identifiable Information (PII): Name, address, date of birth, phone number, email, Social Security number, driver’s license, and other identifiers.
• Financial Information: Payment information, credit history, or account balances (as needed for underwriting or claims).
• Policy Information: Details about your existing or requested insurance coverage.
• Health Information: Medical or health-related data if required for life for insurance products.

3. How We Use Your Information

Your information is used for legitimate business and service purposes, including:

• Quoting, underwriting, and servicing insurance policies
• Processing payments and claims
• Communicating about policy updates, renewals, or coverage changes
• Verifying your identity
• Meeting legal and regulatory obligations

4. Information We Share

We do not sell your personal information.

We may share your data only in the following circumstances:

• With insurance carriers, brokers, or reinsurers to obtain coverage or quotes
• With service providers who assist in policy administration, billing, or claims
• With government agencies or regulators when required by law
• With authorized parties when you have given explicit consent

All third parties are required to maintain the confidentiality and security of your information.

5. Data Security

We maintain physical, electronic, and procedural safeguards that meet or exceed industry standards to protect your information from unauthorized access, alteration, or disclosure. Access to your data is restricted to employees who need it to perform their duties.

6. Your Rights

You have the right to:

• Request access to the personal information we maintain about you
• Ask for corrections if your information is inaccurate or incomplete
• Opt out of certain data sharing (where permitted by law)
• Withdraw consent for marketing communications at any time

To exercise these rights, contact us at shawn@ruddyinsurance.com or 330-652-0202.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal requirements, and resolve disputes.

8. Changes to This Policy

We may update this Privacy Policy periodically. Any updates will be posted on our website with a new effective date. We encourage you to review this policy regularly.

9. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: