Privacy Policy

This Privacy Policy describes how Unique Risk Management and Insurance Services, LLC ("Company," "we," "us," or "our") collects, uses, discloses, and protects your personal information when you visit or interact with our website ("Website"). By using this Website, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Personal Information You Provide: name, email address, phone number, mailing address, business or company information, insurance-related inquiry details, and any information you submit through contact forms or email. Automatically Collected Information: when you visit our Website, we may automatically collect IP address, browser type and version, device information, pages visited and time spent, and referring URLs. This information is collected using cookies, analytics tools, and similar technologies.

2. How We Use Your Information

We use personal information to respond to inquiries and provide requested services; to communicate with you regarding insurance or risk management services; to improve Website functionality and user experience; to comply with legal and regulatory obligations; and to protect against fraud, security threats, or misuse. We do not provide insurance coverage, bind policies, or give formal insurance advice through this Website.

3. Cookies and Tracking Technologies

We use cookies and similar technologies to enable essential Website functionality, analyze Website usage and performance, and improve content and user experience. You may control cookie settings through your browser. Disabling cookies may affect Website functionality.

4. How We Share Information

We may share personal information with service providers (e.g., hosting, analytics, CRM systems), professional advisors (legal, accounting, compliance), and regulatory authorities when required by law. We do not sell personal information for monetary compensation.

5. Sale or Sharing of Personal Information (California)

We do not sell personal information as traditionally defined. However, certain analytics or advertising technologies may be considered "sharing" under California law. California residents may opt out of the sale or sharing of personal information by contacting us using the information below.

6. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal, regulatory, or contractual obligations.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights (California & Florida)

California Residents (CCPA/CPRA): you have the right to know what personal information we collect and how it is used, request access to your personal information, request deletion of personal information, request correction of inaccurate personal information, opt out of the sale or sharing of personal information, and not be discriminated against for exercising your rights. Florida Residents: may request access to or deletion of personal information as permitted by applicable law.

9. How to Exercise Your Rights

To exercise your privacy rights, please contact us using one of the methods below. We may verify your identity before processing requests. Mail: Unique Risk Management and Insurance Services LLC, 11582 SW Village Parkway, Suite 545, Port St Lucie, FL 34987.

10. Third-Party Websites

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of those third-party sites.

11. Children's Privacy

Our Website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: Unique Risk Management and Insurance Services, LLC, 11582 SW Village Parkway, Suite 545, Port St Lucie, FL 34987.