Privacy Policy

1. Introduction

Natural Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. This policy applies to all information collected through our website, mobile applications, and any related services.

2. Information We Collect

Personal Information

We collect information that you provide directly to us, including:

• Contact information (name, email address, phone number, mailing address)
• Date of birth and age
• Social Security Number (when required for underwriting)
• Financial information (income, assets, debts)

Health Information

As an insurance broker, we collect health-related information necessary for obtaining insurance quotes and coverage, including:

• Medical history and current health conditions
• Prescription medications
• Lifestyle factors (smoking status, exercise habits)
• Family medical history

This health information is protected under HIPAA (Health Insurance Portability and Accountability Act) and state privacy laws. We treat this information with the highest level of security and confidentiality.

Automatically Collected Information

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Cookies and similar tracking technologies
• Location data (with your permission)

3. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and recommendations
• Process insurance applications and policy issuance
• Communicate with you about your inquiries and applications
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Send marketing communications (with your consent)
• Detect and prevent fraud
• Maintain records as required by insurance regulations

4. Information Sharing and Disclosure

We may share your information with:

Insurance Carriers

We share your information with insurance companies to obtain quotes and process applications. These carriers are bound by their own privacy policies and regulatory requirements.

Service Providers

We work with third-party service providers who assist with technology, analytics, payment processing, and marketing. These providers are contractually obligated to protect your information.

Legal Requirements

We may disclose information when required by law, regulation, legal process, or government request, or to protect our rights, property, or safety.

5. Marketing Communications

With your consent, we may send you marketing communications about our services, insurance products, and related information. You can opt out of marketing emails at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us at hello@usnaturalinsurance.com
• Calling us at 479-273-0123

Note: Even if you opt out of marketing communications, we will still send you transactional messages related to your insurance applications and policies.

SMS/Text Messaging

If you opt in to receive text messages from Natural Insurance, you consent to receive recurring automated marketing and informational text messages (such as appointment reminders, insurance tips, and policy updates) at the phone number you provided. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase.

To opt out of SMS communications, reply STOP to any text message or contact us at hello@usnaturalinsurance.com or 479-273-0123. For help, reply HELP or contact customer support.

6. Mobile Information Sharing

We do not share your mobile phone number with third parties for their marketing purposes without your explicit consent. Your mobile number is used solely for communications from Natural Insurance and insurance carriers we work with to service your insurance needs.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage patterns, and deliver targeted advertising. You can control cookies through your browser settings, but disabling cookies may limit certain website functionality.

8. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but continuously work to enhance our protective measures.

9. Your Privacy Rights

All Users

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications
• File a complaint with a supervisory authority

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to deletion
• Right to non-discrimination for exercising CCPA rights

European Residents (GDPR)

If you are in the European Economic Area, you have additional rights under GDPR:

• Right to data portability
• Right to object to processing
• Right to restrict processing
• Right to withdraw consent

10. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Insurance records are typically retained for 7 years or longer as required by state insurance regulations.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes by posting the new policy on our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

14. State-Specific Disclosures

Natural Insurance maintains appropriate licenses in states where we conduct business. State insurance departments regulate our activities and may have additional privacy requirements. For state-specific information, please contact us.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: