NeitClem | Privacy Policy

1. Introduction

NeitClem Wholesale and Insurance Brokerage ("NeitClem," "we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you use our website, services, or interact with us.

Your Privacy Matters: We take your privacy seriously and are committed to transparency in how we handle your personal information. This policy describes your privacy rights and how the law protects you.

2. Information We Collect

We collect information in several ways to provide you with quality insurance services and improve your experience.

2.1 Information You Provide Directly

When you use our services, request quotes, or apply for insurance coverage, you may provide:

Personal Identification Information: Name, date of birth, Social Security number, driver's license number
Contact Information: Email address, phone number, mailing address
Business Information: Business name, EIN, business address, years in operation
Financial Information: Credit card information, bank account details (for payment processing)
Insurance Information: Coverage history, claims history, policy details
Risk Information: Property details, business operations, employee information
Communication Records: Correspondence, emails, phone call records, chat transcripts

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information:

Device Information: IP address, browser type, operating system
Usage Information: Pages viewed, time spent on pages, links clicked
Location Data: General geographic location based on IP address
Cookies and Tracking: Information collected through cookies and similar technologies

2.3 Information from Third Parties

We may receive information about you from:

Insurance Carriers: Underwriting information, policy details, claims data
Credit Bureaus: Credit reports and scores for underwriting purposes
Public Records: Court records, property records, business filings
Insurance Agents: Information provided by retail agents representing you
Third-Party Databases: Risk assessment data, industry reports

3. How We Use Your Information

We use the information we collect for the following purposes:

Purpose	Description
Insurance Services	Process applications, obtain quotes, bind coverage, issue policies, and manage claims
Underwriting	Assess risk, determine eligibility, calculate premiums, and make coverage decisions
Communication	Respond to inquiries, provide policy information, send renewals and important notices
Payment Processing	Process premium payments, manage billing, and handle refunds
Legal Compliance	Comply with insurance regulations, legal obligations, and regulatory reporting
Fraud Prevention	Detect and prevent fraudulent activities, protect against security threats
Business Operations	Improve services, conduct analysis, maintain records, and train staff
Marketing	Send newsletters, promotional materials, and information about new products (with consent)

4. How We Share Your Information

We share your information only as necessary to provide our services and as permitted or required by law.

4.1 Sharing with Service Providers

We share information with:

Insurance Carriers: To obtain quotes, bind coverage, and issue policies
Reinsurers: For risk assessment and reinsurance placement
Payment Processors: To process premium payments securely
Technology Providers: For website hosting, data storage, and IT services
Professional Services: Attorneys, accountants, auditors (when necessary)
Marketing Services: Email service providers, analytics platforms (with appropriate safeguards)

4.2 Sharing with Business Partners

Retail Agents/Brokers: The agents who represent you and submit business to us
Managing General Agents: Partners who help place specialized coverage
Program Administrators: Third-party administrators managing specific programs

4.3 Legal and Regulatory Disclosures

We may disclose your information when:

Required by law or legal process (subpoena, court order)
Requested by regulatory authorities or government agencies
Necessary to comply with insurance regulations
To protect our rights, property, or safety, or that of others
In connection with fraud investigation or prevention
During business transactions (merger, acquisition, sale of assets)

4.4 With Your Consent

We may share your information with other parties when you have given us explicit consent to do so.

5. California Privacy Rights (CCPA)

Your California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request information about the personal data we collect, use, and share
Right to Delete: Request deletion of your personal information (with certain exceptions)
Right to Opt-Out: Opt-out of the sale of your personal information (we do not sell personal information)
Right to Non-Discrimination: Exercise your rights without discriminatory treatment
Right to Correct: Request correction of inaccurate personal information

5.1 How to Exercise Your Rights

To exercise your California privacy rights, contact us:

Email: QuoteNow@neitclem.com
Phone: (323) 258-2600
Mail: 7442 N Figueroa Street, Los Angeles, CA 90041

5.2 Verification Process

To protect your privacy and security, we will verify your identity before processing your request. We may ask for additional information to confirm your identity.

5.3 Categories of Personal Information

Under CCPA, we collect the following categories of personal information:

Identifiers (name, address, email, SSN)
Financial information (bank accounts, credit cards)
Commercial information (insurance history, claims)
Internet activity (website usage, browsing history)
Professional information (business details, occupation)
Inferences (risk profiles, underwriting decisions)

6. Data Security

We implement comprehensive security measures to protect your information:

6.1 Technical Safeguards

Encryption: SSL/TLS encryption for data transmission
Secure Storage: Encrypted databases and secure servers
Access Controls: Role-based access restrictions
Firewalls: Network security and intrusion detection
Regular Updates: Security patches and system updates

6.2 Administrative Safeguards

Employee training on data protection and privacy
Confidentiality agreements with staff and vendors
Regular security audits and assessments
Incident response and breach notification procedures
Data retention and destruction policies

6.3 Physical Safeguards

Secure office facilities with controlled access
Locked filing cabinets for physical documents
Secure disposal of sensitive documents

Security Notice: While we implement strong security measures, no system is 100% secure. We cannot guarantee absolute security but continuously work to protect your information.

7. Data Retention

We retain your personal information for as long as necessary to:

Provide insurance services and maintain your policies
Comply with legal and regulatory requirements
Resolve disputes and enforce agreements
Maintain business records as required by law

7.1 Retention Periods

Active Policies: Duration of policy plus 7 years
Applications: Minimum 5 years from submission
Claims Records: 7-10 years depending on claim type
Financial Records: 7 years for tax and audit purposes
Marketing Data: Until you opt-out or request deletion

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website.

8.1 Types of Cookies We Use

Essential Cookies: Required for website functionality
Performance Cookies: Help us understand website usage
Functional Cookies: Remember your preferences
Analytics Cookies: Collect data about site traffic and usage

8.2 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

9. 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 before providing any personal information.

10. 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 we become aware that we have collected information from a child, we will take steps to delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes by:

Posting the updated policy on our website
Updating the "Last Updated" date
Sending email notifications for material changes (when appropriate)

We encourage you to review this policy periodically for any updates.

12. Your Rights and Choices

12.1 Access and Correction

You have the right to:

Request access to your personal information
Request correction of inaccurate information
Request a copy of your data in a portable format

12.2 Marketing Communications

You can opt-out of marketing communications by:

Clicking "unsubscribe" in our emails
Contacting us directly
Updating your communication preferences

Note: Even if you opt-out of marketing, we may still send you service-related communications about your policies and account.

12.3 Do Not Track

Some browsers have "Do Not Track" features. Currently, there is no industry standard for responding to these signals, and our website does not respond to Do Not Track requests.

13. International Data Transfers

NeitClem primarily operates in the United States, and your information is stored and processed within the United States. If you are accessing our services from outside the U.S., please be aware that your information may be transferred to and maintained on servers located in the United States.

14. Insurance-Specific Disclosures

14.1 Insurance Information and Privacy Protection Act

As an insurance broker, we comply with federal and state insurance privacy laws, including the Gramm-Leach-Bliley Act and state insurance information privacy protection acts.

14.2 Fair Credit Reporting Act (FCRA)

We may obtain credit reports for underwriting purposes in accordance with the FCRA. You have rights under FCRA including:

The right to know if a credit report was used in an adverse decision
The right to dispute inaccurate information
The right to obtain a free copy of your credit report

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Privacy Policy