Privacy Policy

1. Overview

BlueNova Insurance Agency, LLC ("BlueNova," "we," "our," or "us") is committed to protecting the privacy of our clients, prospective clients, and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at bluenovainsurance.com or engage with our services.

By using our website or providing your information to us, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please discontinue use of our website and services.

BlueNova is a licensed insurance agency operating under the State of Texas. We are subject to applicable state and federal privacy regulations, including but not limited to Texas Insurance Code, the Gramm-Leach-Bliley Act (GLBA), and other applicable consumer protection laws.

2. Information We Collect

We collect information you provide directly to us, information we collect automatically when you use our website, and information we receive from third parties.

Information You Provide to Us

When you request a quote, contact us, or use our services, you may provide:

• Personal identifiers: Full name, date of birth, Social Security number (for certain applications), driver's license number
• Contact information: Email address, phone number, mailing address, ZIP code
• Insurance-related information: Current coverage details, claims history, vehicle information, property details, health information (for health/life insurance), business information
• Financial information: Payment details for premium processing (handled by PCI-compliant processors — we do not store full card numbers)
• Communications: Messages you send us via contact forms, email, chat, or phone

Information Collected Automatically

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

• IP address and approximate geographic location
• Browser type, version, and settings
• Device type and operating system
• Pages visited, time on site, and navigation paths
• Referring website or search terms that brought you to our site
• Cookie and tracking pixel data (see Section 5)

Information from Third Parties

We may receive information about you from insurance carriers, consumer reporting agencies (in accordance with the Fair Credit Reporting Act), and publicly available sources to help us provide accurate quotes and service your policies.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To provide insurance services: Processing quote requests, binding coverage, servicing active policies, and managing claims referrals
• To communicate with you: Responding to inquiries, sending policy documents, renewal notices, and important account updates
• To improve our services: Analyzing website usage patterns, identifying areas for improvement, and developing new service offerings
• To comply with legal obligations: Meeting regulatory requirements, responding to lawful government requests, and maintaining required records
• To prevent fraud and enhance security: Detecting, investigating, and preventing fraudulent transactions and other illegal activities
• Marketing communications: Sending newsletters, insurance tips, and promotional information — only with your consent and with an easy opt-out option in every communication

We will not use your information for any purpose that is incompatible with the purposes listed above without first obtaining your explicit consent.

4. Sharing Your Information

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

Insurance Carriers and Partners

To obtain quotes and bind coverage on your behalf, we share relevant information with insurance carriers and their authorized representatives. These carriers have their own privacy policies, which we encourage you to review.

Service Providers

We engage trusted third-party vendors who assist in operating our website and providing our services (e.g., payment processors, CRM software, email delivery services, analytics providers). These vendors are contractually obligated to use your information only to perform services on our behalf and to maintain appropriate security measures.

Legal Requirements

We may disclose your information when required by law, court order, subpoena, or when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a judicial proceeding or legal process.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will notify you via email and/or a prominent notice on our website of any change in ownership or uses of your personal information.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that help us recognize returning visitors, remember preferences, and analyze site traffic.

Types of Cookies We Use

• Essential cookies: Necessary for the website to function properly (e.g., form session data, cookie consent preference). These cannot be disabled.
• Analytics cookies: Help us understand how visitors interact with our website (e.g., pages visited, time on site). We use anonymized data only.
• Marketing cookies: Used to deliver relevant advertisements and track the effectiveness of our campaigns. These are only set with your consent.

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our website. For more information, visit allaboutcookies.org.

6. Data Security

We implement industry-standard technical, administrative, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• SSL/TLS encryption for all data transmission
• Encrypted storage of sensitive data fields
• Access controls and role-based permissions for staff
• Regular security assessments and vulnerability testing
• Employee training on data handling and privacy best practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach affecting your rights, we will notify you as required by applicable law.

7. Your Rights & Choices

Depending on your location and applicable law, you may have the following rights regarding your personal information:

• Right to access: Request a copy of the personal information we hold about you
• Right to correction: Request that we correct inaccurate or incomplete information
• Right to deletion: Request deletion of your personal information, subject to certain legal exceptions (e.g., records we must retain for regulatory compliance)
• Right to opt out of marketing: Unsubscribe from marketing communications at any time via the "unsubscribe" link in our emails or by contacting us directly
• Right to data portability: Request a structured, machine-readable copy of your data where technically feasible

To exercise any of these rights, please contact our Privacy Officer at privacy@bluenovainsurance.com or by mail at the address below. We will respond to verified requests within 30 days.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to service your account, and to comply with our legal obligations. Specifically:

• Active client records are retained for the duration of the client relationship plus 7 years, as required by Texas insurance regulations
• Quote requests that do not result in a policy are retained for 2 years
• Website analytics data is retained in anonymized form for up to 26 months
• Marketing communication preferences and opt-out records are retained indefinitely

When personal information is no longer needed, we securely delete or anonymize it.

9. Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@bluenovainsurance.com and we will take steps to delete such information from our records.

For minors between 13 and 18, insurance applications typically require parental or guardian consent and co-signature, which is handled on a case-by-case basis by our licensed agents.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by:

• Updating the "Last Updated" date at the top of this policy
• Posting a prominent notice on our website
• Sending an email notification to active clients with registered accounts

Your continued use of our website after any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this page periodically.