Welcome to Thomas Pastor Family Agency LLC. We are committed to protecting your privacy and handling your personal information with care and transparency. This Privacy Policy outlines how Thomas Pastor Family Agency LLC. (“we,” “us,” or “our”) collects, uses, stores, shares, and protects the personal information we gather from our clients and website visitors. Our goal is to provide comprehensive insurance services while maintaining the highest standards of data privacy.
Types of Information Collected
To provide you with our services and improve your experience, we may collect various types of personal information, including but not limited to:
- Contact Information: Name, postal address, email address, phone number(s).
- Demographic Information: Date of birth, gender, marital status.
- Insurance-Related Information: Details necessary for providing insurance quotes and policies, such as vehicle information (make, model, VIN), property details (address, characteristics), health information (for life or health insurance, with your explicit consent), and claims history.
- Financial Information: Payment details for premiums (though we typically use secure third-party payment processors and do not store sensitive financial data directly), and other financial data relevant to insurance underwriting.
- Website and Digital Usage Data: Information about how you interact with our website, including your IP address, browser type, device information, operating system, referring URLs, pages viewed, time spent on pages, and clickstream data.
- Communication Data: Records of your correspondence with us via email, phone, online forms, and SMS messages.
- Cookies and Tracking Technologies: Data collected through cookies, web beacons, and similar technologies, as described in a dedicated section below.
Method of Information Collection
We collect information through several methods:
- Directly from You: When you complete online forms on our website, request a quote, apply for insurance, communicate with us via phone, email, or in-person meetings, sign up for newsletters, or participate in surveys.
- Automatically through Our Website: When you visit our website, our servers automatically record certain information, including IP addresses, browser types, and usage data, through cookies and other tracking technologies.
- From Third Parties: With your consent or as permitted by law, we may obtain information from third-party sources such as insurance carriers, public records, credit bureaus (for underwriting purposes), and other data providers to assist in providing accurate quotes and services.
Purpose of Data Collection
We collect your personal information for the following primary purposes:
- To Provide Insurance Services: To generate accurate insurance quotes, process applications, issue policies, manage renewals, and assist with claims.
- Customer Communication and Support: To respond to your inquiries, provide customer service, send important updates about your policies, and communicate relevant information.
- Website Improvement: To understand how our website is used, analyze user behavior, and continuously enhance our website’s functionality, content, and user experience.
- Marketing and Promotions: To send you information about our services, special offers, and other relevant content that we believe may be of interest to you, in accordance with your communication preferences and consent.
- Legal and Regulatory Compliance: To comply with applicable laws, regulations, industry standards, and to respond to legal requests or subpoenas.
- Security and Fraud Prevention: To protect our services, systems, and clients from fraudulent activities and unauthorized access.
Data Security Measures
The security of your personal information is a top priority for Thomas Pastor Family Agency LLC. We implement a variety of technical, administrative, and physical safeguards designed to protect your data from unauthorized access, disclosure, alteration, and destruction. These measures include:
- Encryption: Using Secure Socket Layer (SSL) technology to encrypt data during transmission over the internet.
- Access Controls: Restricting access to personal information to authorized employees, contractors, and agents who need the information to perform their job functions.
- Regular Audits: Conducting periodic security assessments and audits of our systems and practices.
- Employee Training: Educating our staff on data privacy best practices and the importance of confidentiality.
- Physical Security: Protecting our physical premises and data storage facilities.
Data Sharing
We understand that sharing your personal information requires trust, and we do so only under specific circumstances:
- Insurance Carriers: To provide you with quotes and policies, we will share necessary information with the insurance carriers we partner with.
- Service Providers: We may share data with trusted third-party service providers who assist us in operating our website, conducting our business, or providing services to you (e.g., IT support, marketing platforms, analytics providers, payment processors). These providers are contractually obligated to protect your data and use it only for the purposes for which it was shared.
- Affiliates: We may share information with affiliated companies within the Thomas Pastor Family Agency LLC. structure to offer integrated services or support business operations.
- Legal Requirements: We may disclose your information if required to do so by law, in response to a court order, subpoena, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of others.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction.
Disclaimer: Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.
User Rights
You have certain rights regarding your personal information. These rights may vary based on your jurisdiction but generally include:
- Access: You have the right to request access to the personal information we hold about you.
- Correction/Update: You can request that we correct or update any inaccurate or incomplete personal information.
- Deletion: You may request the deletion of your personal information, subject to certain legal obligations or business necessities (e.g., maintaining records for insurance policies).
- Objection to Processing: You may object to the processing of your personal information for certain purposes, such as direct marketing.
- Withdraw Consent: Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.
- Opt-Out of Marketing Communications: You can opt-out of receiving marketing emails or SMS messages at any time by following the unsubscribe instructions provided in those communications or by contacting us directly.
To exercise any of these rights, please contact us using the information provided in the “Contact Us” section below.
Cookies and Tracking Technologies
Our website uses “cookies” and similar tracking technologies (like web beacons and pixels) to enhance your browsing experience, analyze site usage, and support our marketing efforts.
- What are cookies? Cookies are small text files placed on your device by websites that you visit. They are widely used to make websites work more efficiently, as well as to provide information to the site owners.
- How we use them: We use cookies for purposes such as:
- Essential Functionality: To enable core website features, such as remembering your preferences.
- Analytics: To understand how visitors interact with our website, track traffic patterns, and measure the effectiveness of our content.
- Advertising: To deliver relevant ads to you on our website or other sites based on your interests.
- Your Choices: Most web browsers allow you to control cookies through their settings. You can typically set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it, or to block cookies entirely. Please note that disabling cookies may affect the functionality of our website.
Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The retention period will vary depending on the type of information, the purpose of its collection, and any applicable legal or regulatory obligations.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page with an updated “Effective Date.” We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Thomas Pastor Family Agency LLC.
Phone: (231) 559-0500
Email: tpastor@thomaspastor.com
Address: 318 Center St, North Muskegon, MI 49445