Last Updated: October 28, 2025
At EDBInsure, we understand that your personal information represents a sacred trust, and we take that responsibility with the utmost seriousness. Every piece of data you share with us becomes part of our commitment to serve you better, and we recognize that this exchange must be built on transparency, security, and respect for your privacy rights. This policy outlines comprehensively how we collect, use, protect, and potentially share your information throughout our business relationship.
We have crafted this privacy framework to comply with all applicable federal and state regulations governing insurance providers and data controllers. Beyond mere compliance, however, we strive to exceed industry standards in protecting your personal information. Our approach to data privacy reflects our core values of integrity and customer-first service, ensuring that every interaction you have with us reinforces your confidence in our stewardship of your information.
Throughout your journey with EDBInsure, we collect various categories of information that enable us to provide you with tailored insurance solutions. When you first engage with our services, whether through our website, mobile application, phone conversations, or in-person meetings, you voluntarily provide us with identifying details such as your name, contact information, date of birth, and social security number. This foundational data allows us to establish your identity and begin building your customer profile within our systems.
As we assess your insurance needs and develop appropriate coverage recommendations, we gather detailed information about your property including its address, construction characteristics, age, square footage, and current condition. We also collect financial information necessary for underwriting and payment processing, which may include your banking details, credit history where permitted by law, and income verification. Additionally, our systems automatically capture certain technical information when you interact with our digital platforms, such as your IP address, browser type, device identifiers, and usage patterns, helping us optimize your online experience and detect potential security threats.
The information we collect serves multiple essential functions within our operations. Primarily, we utilize your data to evaluate your insurance application, determine appropriate coverage levels, calculate accurate premiums, and issue your policy. This underwriting process requires careful analysis of risk factors associated with your property and personal circumstances. Beyond initial policy issuance, we continuously use your information to service your account, process premium payments, handle policy modifications, and respond to your inquiries throughout the life of your coverage.
When you experience a covered loss and file a claim, your information becomes crucial in investigating the circumstances, verifying coverage, determining benefit amounts, and facilitating prompt payment. We may also use your data for fraud prevention and detection, ensuring the integrity of our operations and protecting all policyholders from fraudulent activities that could increase costs. Additionally, we analyze aggregated and anonymized data to improve our products, develop new offerings, identify market trends, and enhance our overall service delivery. Where you have provided consent, we may use your contact information to send you relevant communications about policy updates, renewal notices, coverage enhancements, and other products or services that may interest you.
EDBInsure does not sell, rent, or lease your personal information to third parties for marketing purposes.
While we maintain strict confidentiality around your personal information, certain business necessities and legal obligations require us to share data with trusted third parties. We work with various service providers who assist us in operating our business, including claims adjusters, repair contractors, payment processors, technology vendors, and professional consultants. These entities receive only the information necessary to perform their specific functions and are contractually bound to maintain the same level of data protection we observe internally.
We may share your information with affiliated companies within our corporate family to provide you with a broader range of insurance and financial products. In situations involving reinsurance arrangements, we disclose relevant policy and claims information to reinsurers who help us manage risk exposure. Legal and regulatory requirements sometimes mandate information disclosure to government agencies, law enforcement, regulatory bodies, or in response to valid court orders and subpoenas. Should we undergo a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity as part of that transaction, though any such successor organization would remain bound by the commitments made in this privacy policy.
Protecting your information from unauthorized access, use, or disclosure stands as one of our highest priorities. We employ comprehensive technical, physical, and administrative safeguards designed to secure your data against potential threats. Our digital infrastructure utilizes industry-standard encryption protocols for data transmission and storage, ensuring that your information remains protected as it moves through our systems. Access to customer data within our organization follows strict need-to-know principles, with employees receiving access only to information necessary for their job functions.
We maintain physical security measures at our facilities including controlled access points, surveillance systems, and secure document storage procedures. Our staff undergoes regular training on data privacy practices and security protocols to maintain awareness of emerging threats and best practices. We conduct routine security assessments and vulnerability testing to identify and address potential weaknesses in our defenses. While we implement robust protective measures, we acknowledge that no system can guarantee absolute security, and we continuously work to enhance our safeguards against evolving cybersecurity threats.
You maintain significant control over the personal information we hold about you. You have the right to access your data and request copies of the information we maintain in our records. Should you identify any inaccuracies or incomplete details in your profile, you may request corrections to ensure our records reflect current and accurate information. In certain circumstances, you may request restriction of processing activities or object to specific uses of your data, subject to our legitimate business needs and legal obligations.
Where you have provided consent for specific data processing activities, such as marketing communications, you retain the right to withdraw that consent at any time by contacting us through the methods outlined in this policy. Some states grant residents additional privacy rights including the ability to request deletion of personal information or opt out of the sale of personal data. We honor these rights in accordance with applicable law while balancing our need to maintain certain information for regulatory compliance, claims handling, and fraud prevention purposes.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal, regulatory, and business requirements. Active policy information remains in our systems throughout your coverage period and for a reasonable time thereafter to handle any claims, inquiries, or disputes that may arise. Even after policy termination, we maintain certain records to satisfy our legal obligations, including compliance with insurance regulations that mandate retention of policy documents, claims files, and financial records for specified periods.
When information no longer serves a legitimate business purpose and retention requirements have been satisfied, we securely dispose of it using methods appropriate to the sensitivity of the data. Electronic records undergo secure deletion processes that render them unrecoverable, while physical documents are destroyed through shredding or other approved disposal methods. Our retention schedules balance the need for historical data with respect for your privacy and our commitment to minimizing unnecessary data storage.
As our business evolves, legal requirements change, and new technologies emerge, we may need to update this privacy policy to reflect these developments. When we make material changes that could affect how we handle your information, we will notify you through appropriate channels such as email, written correspondence, or prominent notices on our website. We encourage you to review this policy periodically to stay informed about how we protect and use your information. The date at the top of this document indicates when it was last revised, helping you identify when changes have occurred since your last review.
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