Overview
Capital Harbor Insurance Group LLC (“Capital Harbor,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit capitalharbor.net, request a quote, call us, or otherwise communicate with us through the website (collectively, the “Services”).
This Policy applies only to information handled by Capital Harbor through the Services. Insurance carriers, service providers, and websites linked from our site may maintain separate privacy practices.
Information We Collect
Information You Provide
When you request a quote or contact us, we may collect:
- Your name, email address, and telephone number.
- The type of insurance coverage you are interested in.
- Property, business, timing, or other details included in your message.
- Any other information you choose to provide during follow-up communications.
Please do not submit Social Security numbers, payment card information, medical records, driver’s license numbers, or other highly sensitive information through the website quote form.
Information Collected Automatically
When you use the Services, our systems and service providers may process technical information such as your IP address, browser and device type, requested pages, referring page, approximate location derived from network information, date and time, and security signals. We may also retain the page URL, referrer, and campaign parameters associated with a quote request.
How We Use Information
We may use information to:
- Respond to inquiries and discuss insurance needs or quote options.
- Communicate with you by email or telephone about your request.
- Refer information to an insurance carrier or authorized partner at your direction.
- Operate, secure, troubleshoot, and improve the Services.
- Prevent spam, duplicate submissions, fraud, and other misuse.
- Maintain business records and comply with legal or regulatory obligations.
- Establish, exercise, or defend legal claims.
We do not use website quote requests to make decisions solely through automated processing.
How We Disclose Information
We may disclose information in the following circumstances:
- Service providers. Vendors may process information for hosting, security, bot detection, email delivery, data storage, and related operational services. Cloudflare provides the website infrastructure, Turnstile verification, email delivery, and database services used by this site.
- Insurance services. With your direction or as needed to provide requested services, we may share information with licensed professionals, insurance carriers, underwriters, or other insurance partners.
- Legal and safety purposes. We may disclose information when required by law or when reasonably necessary to protect rights, safety, property, systems, or the integrity of the Services.
- Business transactions. Information may be transferred as part of a merger, financing, acquisition, reorganization, or sale of business assets, subject to applicable law.
We do not sell personal information, and we do not share personal information for cross-context behavioral advertising.
Cookies and Similar Technologies
The site uses technologies necessary to operate securely and prevent abuse. Cloudflare Turnstile may process device and network signals and may use cookies or local storage to distinguish legitimate visitors from automated traffic. We do not currently use third-party advertising cookies on the Services.
Data Retention
Quote inquiry records submitted through the website are assigned a one-year retention date. We may retain information for a longer period when reasonably necessary to continue providing requested services, maintain required business or insurance records, resolve disputes, enforce agreements, or comply with law. Security and operational logs may follow different retention periods.
Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect information. These measures include encrypted transmission, restricted access, bot detection, rate limiting, and security monitoring. However, no internet transmission or storage system can be guaranteed to be completely secure.
Your Privacy Choices
Depending on where you live, you may have rights to request access to, correction of, or deletion of certain personal information, or to appeal a decision concerning a privacy request. You may submit a request by emailing Email protected or calling 404.606.3685. We may need to verify your identity before completing a request.
We will not discriminate against you for exercising a privacy right available under applicable law.
Children’s Privacy
The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the website.
Changes to This Policy
We may update this Privacy Policy periodically. The “Last updated” date shows when the current version became effective. Material changes will be posted on this page.
Contact Us
Questions or privacy requests may be directed to Capital Harbor Insurance Group LLC at Email protected or 404.606.3685.