Privacy Policy

Coastal View Insurance Group ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, request a quote, or engage with our insurance services. It also describes your rights regarding your personal information and how to exercise them.

This policy is provided in compliance with the Gramm-Leach-Bliley Act (GLBA), the Florida Insurance Code (Chapter 626, Florida Statutes), the Telephone Consumer Protection Act (TCPA), and applicable Florida and federal privacy regulations. By using our website, submitting a form, or otherwise providing your information to us, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

We may collect the following categories of personal information, also referred to as Nonpublic Personal Information (NPI) under the GLBA:

• Identifying Information: Name, date of birth, Social Security number (when required for policy underwriting), driver's license number, and government-issued ID information.
• Contact Information: Mailing address, email address, and phone number.
• Property and Vehicle Information: Home address, property details, vehicle make/model/VIN, and watercraft information relevant to obtaining insurance coverage.
• Financial Information: Premium payment information, billing details, and prior insurance history.
• Claims Information: Loss history, prior claims, and information related to insurance claims processing.
• Website Usage Data: IP address, browser type, pages visited, and referring URLs collected through cookies and analytics tools.
• Communications: Records of correspondence you send us through our website contact form, email, or phone.

2. How We Collect Information

We collect information:

• Directly from you when you complete a quote request, contact form, or application.
• From insurance carriers, underwriters, or third-party data sources as part of the underwriting or policy issuance process.
• Automatically through cookies, web beacons, and analytics tools when you visit our website.
• From consumer reporting agencies and insurance support organizations, as permitted by law.

3. How We Use Your Information

We use your personal information to:

• Obtain insurance quotes and present coverage options on your behalf.
• Bind, service, and manage insurance policies.
• Process and assist with insurance claims.
• Respond to your questions and communications.
• Verify your identity and prevent fraud.
• Comply with Florida insurance regulations, the GLBA, and other applicable laws.
• Improve our website functionality and user experience.
• Send service-related communications, including policy renewal reminders and coverage updates.

4. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following circumstances, as permitted under the GLBA and Florida law:

• Insurance Carriers and Underwriters: To obtain quotes, bind coverage, and service your policies.
• Service Providers: Third parties who assist us in operating our business (e.g., technology vendors, payment processors), subject to confidentiality obligations.
• Insurance Support Organizations: Industry organizations such as the Insurance Services Office (ISO) or CLUE (Comprehensive Loss Underwriting Exchange) used in underwriting and fraud prevention.
• Legal and Regulatory Authorities: When required by law, court order, subpoena, or regulatory requirement, including the Florida Department of Financial Services and the Florida Office of Insurance Regulation.
• Business Transfers: In the event of a merger, acquisition, or sale of our business assets, your information may be transferred as part of that transaction.
• With Your Consent: To any other party with your explicit authorization.

We do not share your information with non-affiliated third parties for marketing purposes without providing you the opportunity to opt out, as described in Section 6 below.

5. GLBA Privacy Notice

As an insurance agency, we are a financial institution under the Gramm-Leach-Bliley Act. This means we are required to provide you with this notice explaining our privacy practices regarding Nonpublic Personal Information (NPI).

We collect NPI from you and from other sources to provide insurance products and services. We share NPI with affiliated and non-affiliated companies as described in this policy, and only as permitted by law. We protect NPI using administrative, technical, and physical safeguards designed to prevent unauthorized access, use, or disclosure.

6. Your Right to Opt Out

Under the GLBA, you have the right to opt out of certain disclosures of your personal information to non-affiliated third parties for purposes other than processing your transactions or as required by law. If you wish to opt out, please contact us using the information in Section 17. Please allow up to 30 days to process your request.

7. Consent to Contact by Phone, Text, and Email

By submitting your phone number or email address through our website, a quote request form, or any other means, you expressly consent to be contacted by Coastal View Insurance Group, or its representatives, at that phone number or email address for purposes related to insurance quotes, policy servicing, and related communications. This consent includes contact by telephone call, text message (SMS/MMS), and email, including through the use of automatic telephone dialing systems or prerecorded or artificial voice messages, in accordance with the Telephone Consumer Protection Act (TCPA) and applicable Florida law.

Message and data rates may apply. Message frequency may vary. You may opt out of text or email communications at any time by replying "STOP" to a text message, clicking "unsubscribe" in an email, or contacting us using the information in Section 17. You may also request to be placed on our internal do-not-call list at any time. Consent to be contacted is not a condition of purchasing any insurance product or service.

8. Cookies and Website Analytics

Our website may use cookies, web beacons, and similar technologies to improve functionality, remember your preferences, and analyze traffic patterns. The information collected through these technologies may include your IP address, browser type, pages visited, and the date and time of your visit.

You can control or disable cookies through your browser settings. Note that disabling cookies may affect some features of our website. We do not respond to "Do Not Track" browser signals at this time.

9. Data Security and Safeguards

We maintain a written information security program and implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, use, alteration, or destruction. These measures include:

• Secure data transmission using SSL/TLS encryption on our website.
• Access controls limiting employee access to personal information on a need-to-know basis.
• Training for employees who handle personal information.
• Regular review of our security practices.

While we take these precautions, no electronic transmission or storage method is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information to the best of our ability.

10. Florida Residents: Your Rights Under Florida Law

Florida residents have the following rights under the Florida Insurance Code and applicable state law:

• Right to Access: You may request a copy of the personal information we hold about you.
• Right to Correct: You may request correction of inaccurate or incomplete personal information.
• Right to Know: You have the right to know what categories of personal information we collect and how it is used.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, please contact us using the information provided in Section 17. We will respond to verified requests within 45 days, as required by applicable law.

11. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier portals and quoting platforms. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. 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. If you believe we have inadvertently collected information from a child, please contact us immediately so we can take steps to delete it.

13. Retention of Information

We retain personal information for as long as necessary to fulfill the purposes described in this policy, provide ongoing insurance services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods may vary based on the type of information and applicable law.

14. No Guarantee of Coverage

Information provided on this website, including quote estimates, coverage descriptions, and educational content, is for general informational purposes only and does not constitute an offer, binder, or guarantee of insurance coverage. Actual coverage, terms, conditions, and exclusions are governed solely by the applicable insurance policy issued by the carrier. No coverage is bound or effective until confirmed in writing by Coastal View Insurance Group or the issuing carrier.

15. Governing Law and Disputes

This Privacy Policy is governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or relating to this Privacy Policy or your use of our website shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida.

16. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this policy from time to time. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

17. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please contact us:

Coastal View Insurance Group
Phone: (561) 421-3600
Email: info@coastalviewinsurance.com
Serving Florida from the Panhandle to the Keys

Florida Licensed Insurance Agency