Privacy Policy

Introduction

At Magnusson Insurance LLC ("we," "our," or "us"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Request an insurance quote
• Contact us through our contact form
• Subscribe to our newsletter
• Call or email us directly
• Apply for insurance coverage

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Date of birth and Social Security number (for insurance applications)
• Driver's license information
• Vehicle information
• Property information
• Financial information (for payment processing)
• Health information (for life insurance applications)

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activity:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Click patterns and navigation paths

How We Use Your Information

We use the information we collect for the following purposes:

• Provide Insurance Services: To process quote requests, underwrite policies, and manage claims
• Communication: To respond to your inquiries and provide customer support
• Service Improvement: To analyze website usage and improve our services
• Marketing: To send you promotional materials and updates (with your consent)
• Legal Compliance: To comply with legal obligations and protect our rights
• Fraud Prevention: To detect and prevent fraudulent activities

How We Share Your Information

We may share your information with:

• Farmer's Insurance: As an authorized agent, we share information necessary to provide insurance services
• Service Providers: Third-party vendors who assist with website hosting, analytics, and payment processing
• Legal Authorities: When required by law or to protect our rights and safety
• Business Transfers: In connection with a merger, sale, or acquisition of our business

We do not sell your personal information to third parties for their marketing purposes.

Cookies and Tracking Technologies

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

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our website (Google Analytics)
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL/TLS encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Quote requests and contact form submissions are typically retained for 2 years. Active policy information is retained for the duration of the policy plus 7 years as required by insurance regulations.

Your Privacy Rights

You 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 requirements)
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information provided below.

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 you believe we have collected information from a child, please contact us immediately.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

State-Specific Privacy Rights

California Residents

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

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

Illinois and Wisconsin Residents

Residents of Illinois and Wisconsin have rights under their respective state privacy laws. Please contact us to learn more about your specific rights.