Geneva Insurance Group ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website genevainsgroup.com, use our client, agent, or investor portals, interact with us via SMS/text messaging, or otherwise engage with our services.
By using our services, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
Personal Information You Provide
We may collect the following personal information when you request a quote, create an account, submit a form, or communicate with us:
- Contact Information: Full name, email address, phone number, mailing address
- Account Credentials: Email address and password when you register for a portal account
- Insurance Information: Details related to insurance applications, policy coverage, claims, and risk assessments
- Financial Information: Payment details, billing address, and banking information necessary to process premiums or investor distributions
- Business Information: Company name, license numbers, and professional details (for agents and business clients)
- Communications: Messages you send through our contact forms, email, phone, or SMS/text messaging
Information Collected Automatically
When you visit our website, we may automatically collect:
- Device Information: Browser type, operating system, device type
- Usage Data: Pages visited, time spent on pages, referring URL
- Log Data: IP address, access times, and server logs
2. How We Use Your Information
We use the personal information we collect for the following purposes:
- Provide Insurance Services: Process quotes, applications, policies, claims, and renewals
- Account Management: Create and manage your portal account, authenticate your identity, and provide customer support
- Communications: Respond to your inquiries, send policy updates, billing reminders, and service notifications via email, phone, or SMS/text message
- SMS/Text Messaging: If you opt in to receive SMS/text messages, we may send you appointment reminders, policy notifications, claims updates, and other service-related messages
- Security: Detect, prevent, and address fraud, unauthorized access, and other security issues
- Legal Compliance: Comply with applicable laws, regulations, and insurance industry requirements
- Improve Our Services: Analyze usage patterns to enhance our website, portals, and customer experience
3. SMS/Text Messaging Policy
SMS consent is not shared with third parties or affiliates for marketing purposes.
When you provide your phone number and consent to receive SMS/text messages from Geneva Insurance Group:
- You may receive messages related to your insurance policy, account notifications, appointment reminders, claims updates, and customer service communications
- Message frequency varies based on your account activity
- Message and data rates may apply depending on your mobile carrier and plan
- You can opt out of SMS messages at any time by replying STOP to any message
- For help, reply HELP to any message or contact us at [email protected]
- Your consent to receive SMS/text messages is not a condition of purchasing any goods or services
- We do not share your SMS consent, phone number, or opt-in data with any third parties or affiliates for their own marketing purposes
4. SMS Terms of Service
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Geneva Insurance Group LLC.
When you opt in to receive SMS/text messages from Geneva Insurance Group LLC, the following terms apply:
Types of Messages
You may receive SMS messages related to:
- Account notifications and alerts
- Appointment reminders
- Policy updates and renewal reminders
- Claims status updates
- Billing and payment reminders
- Customer care and service communications
Messaging Frequency and Rates
- Messaging frequency may vary depending on your account activity and communication preferences
- Message and data rates may apply. Please consult your mobile carrier for details about your messaging plan
Opt-Out
To opt out at any time, text STOP to any message you receive from us. After you send STOP, you will no longer receive SMS messages from Geneva Insurance Group. If you wish to re-enroll, you may opt in again through our website or by contacting us.
Help
For assistance, text HELP to any message you receive, or visit our website at genevainsgroup.com. You can also contact us by email at [email protected].
Consent and Third-Party Sharing
- Your consent to receive SMS messages is not a condition of purchasing any goods or services
- SMS consent is not shared with third parties or affiliates for marketing purposes
- Your phone number and opt-in data are never sold, rented, or shared with third parties for their own use
See our full privacy practices in this policy. See our Privacy Policy for how we handle your data and SMS Terms of Service for SMS-specific terms.
5. How We Share Your Information
We do not sell your personal information. We may share your information with the following parties only as necessary to provide our services:
- Insurance Carriers and Underwriters: To obtain quotes, bind policies, and process claims on your behalf
- Service Providers: Trusted third-party vendors who assist us in operating our website, conducting our business, or servicing you (e.g., payment processors, cloud hosting providers), subject to confidentiality agreements
- Legal and Regulatory: When required by law, regulation, legal process, or enforceable government request
- Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset
- With Your Consent: We may share your information for other purposes with your explicit consent
We do not share, sell, or rent your personal information to third parties for their direct marketing purposes. SMS consent and phone number data are never shared with third parties or affiliates.
6. Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- Encryption of data in transit (TLS/SSL) and at rest
- Row-Level Security (RLS) on all database tables
- Role-based access controls for all portal accounts
- Regular security audits and vulnerability assessments
- Secure authentication with hashed passwords
- Server-side processing for all administrative operations
While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.
7. Your Rights and Choices
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal retention requirements
- Opt-Out of Communications: Unsubscribe from marketing emails or reply STOP to opt out of SMS messages at any time
- Withdraw Consent: Where processing is based on consent, you may withdraw consent at any time
To exercise any of these rights, please contact us at [email protected].
8. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can control cookie preferences through your browser settings. We do not use cookies for third-party advertising.
9. Third-Party Links
Our website may contain links to third-party websites. 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 site you visit.
10. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance records may be retained for the period required by applicable state and federal regulations.
11. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we protect your information.
13. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us: