Privacy Policy

Effective Date: June 5, 2025

Mechanicus Insurance Services LLC ("Mechanicus," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. As an insurance wholesaler, broker, and managing general agent, we collect and process personal data to provide our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with us, including through our website, portal ("Site"), or other business activities. This policy complies with applicable laws in all 50 U.S. states, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), Virginia Consumer Data Protection Act (VCDPA), and Colorado Privacy Act (CPA).

1. Information We Collect

We collect only the personal information necessary to identify your needs, provide insurance brokerage and underwriting services, process claims, manage client relationships, and enhance your experience on our Site. The types of information we may collect include:

Personal Identifiers: Name, company, job title, email address, phone number, mailing address, Social Security number, driver’s license number, or other government-issued IDs.
Financial Information: Payment details, credit history, or insurance policy details.
Professional Information: Employment history or business contact information.
Sensitive Personal Information: Health information, financial account details, or other data required for underwriting or claims processing.
Online Activity: IP address, browsing history, cookies, session identification numbers, or device information when you visit our Site.
Commercial Information: Insurance policy records, claims history, transaction types, content viewed or downloaded, or risk profiles.
Protected Classifications: Age, gender, or other demographic data required for insurance purposes.
Usage Data: Domain name, time spent on pages, methods by which our Site was found, or areas of the Site visited.

We collect this information directly from you (e.g., through forms, applications, or user registration), indirectly (e.g., through cookies or third-party partners), or from publicly available sources. Some information, such as name and contact details, is collected only if voluntarily provided during registration or transactions. We also collect aggregated data (e.g., how many times visitors click on a page) that does not identify individuals.

Cookies and Tracking

We use cookies and similar technologies (e.g., web beacons) to enhance your experience, track Site usage, and deliver personalized content. Cookies are small files stored on your device that allow us to recall previous sessions, authenticate users, and analyze Site performance. We may collect IP addresses and website usage information to personalize content, improve Site functionality, and track online order activity. Cookies cannot transmit viruses or private information like email addresses without your intervention.

You can configure your browser to alert you about cookies and accept or refuse them. For more information on managing cookies, visit http://www.allaboutcookies.org under the “manage cookies” section or check your browser’s help menu. To opt out of Google Analytics tracking, visit http://tools.google.com/dlpage/gaoptout. If you continue using our Site without changing cookie settings, we assume you consent to our use of cookies. Disabling cookies may limit Site functionality.

2. How We Use Your Information

We use your information for the purposes stated at the time of collection or as described below:

Service Delivery: To provide insurance brokerage, underwriting, claims processing, and risk management services, including processing transactions and engaging in interactions about your transactions.
Payment Processing: To process payments using financial or credit card information, which may involve sharing with delivery services or credit card clearing houses.
Customer Support: To provide support or services you request, such as responding to inquiries, registering for newsletters, or facilitating follow-up by our distributors or resellers.
Personalized Content: To deliver notices of new product releases, service developments, or personalized advertising based on non-personally identifiable data attributes (with your consent where required).
Online Forums and Social Networks: To enable participation in interactive discussions, post comments, or engage in networking activities, subject to relevant terms of use.
Analytics and Improvement: To personalize Site content, improve quality, track marketing campaign responsiveness, conduct usability testing, and facilitate navigation (e.g., preserving shopping cart data or avoiding duplicate data entry).
Event Communication: To provide information about events we host or co-sponsor, including logistics, updates, or related opportunities. Event co-sponsors may contact you post-event, subject to their privacy policies.
Compliance and Legal Obligations: To meet regulatory requirements, prevent fraud, enforce terms and conditions, or comply with legal processes (e.g., subpoenas).
Security: To detect and address anomalous activity, prevent abuse (e.g., spam), or protect our Site and users.
Feedback and Market Research: To gather input through surveys, usability studies, or focus groups to improve our services, using anonymized or pseudonymized data where possible.
Business Transfers: To facilitate mergers, acquisitions, or asset sales, where user information may be transferred.
Internal Assessments: To track usage of our services for analytics, which may be shared with content licensors or your company/institution in aggregated or anonymized form.

We do not use your personal information for commercial or marketing purposes without a legal basis, such as your consent or a contractual necessity, and you may opt out of marketing communications at any time.

3. How We Share Your Information

We may share your information with:

Insurance Carriers and Partners: To facilitate underwriting, policy issuance, or claims processing.
Service Providers: Third parties performing services like payment processing, cloud hosting, data analytics, or IT support, under strict confidentiality agreements.
Regulatory Authorities: To comply with legal obligations, such as reporting to state insurance departments or responding to judicial orders.
Affiliates: Within Mechanicus Insurance Services LLC for operational purposes.
Event Co-Sponsors: For events we host or co-sponsor, subject to their privacy policies.
Business Transfers: In connection with a merger, acquisition, or sale of assets.
Third-Party Advertisers: Non-personally identifiable data may be used to select audiences for advertisements, with your consent where required. Advertisers may place cookies when you interact with ads.

We do not sell your personal information for monetary compensation. However, under some U.S. state laws, sharing data for targeted advertising may be considered a “sale.” See Section 6 for opt-out options. Personal information is not shared with unrelated third parties unless we have a legal basis, such as your consent or a legal obligation. We may disclose information pursuant to judicial or government subpoenas, warrants, or orders after approximately two weeks, unless otherwise required by law.

4. SMS and Text Messages.

With your consent (opt-in), we may use your personal information to provide and improve our products and services through the use of SMS and text messages (“Mobile Information”), as described and limited below. Mobile Information also includes information related to SMS registration, as well as opt-in and opt-out communications and elections.

We may share your Mobile Information with service providers as necessary to deliver these services, but will not transfer or share such information with third parties for marketing purposes. Any information sharing that may be mentioned elsewhere in this policy does not apply to Mobile Information.

By providing your mobile telephone number and agreeing to receive SMS and text messages, you thereby consent to receive such messages from Mechanicus Insurance Services LLC, from 803-866-4225, regarding notifications pertaining to your client’s insurance account, customer care issues, or the status of risks submitted to us to place with insurance carriers or their managing general agents, including notice of our receipt of coverage quotes from third-party insurers. Consent is not a condition of purchase. Message frequency will vary, and message and data rates may apply.

To stop receiving SMS and text messages, please reply to a message by texting STOP. For help, kindly reply by texting HELP or contact us at 803-866-4225 or, by email, at coliveras@mechanicusins.com.

5. Your Privacy Rights

Depending on your state of residence, you may have the following rights:

Right to Access/Know: Request details about the personal information we collect, use, or disclose.
Right to Delete: Request deletion of your personal information, subject to legal exemptions (e.g., insurance record retention or contractual obligations).
Right to Correct: Request correction of inaccurate or outdated personal information.
Right to Opt-Out: Opt out of the sale or sharing of personal information for targeted advertising (where applicable).
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, contact us at contact-us@mechanicusinsurance.com or call 914-960-0597. Include “Privacy Rights Request” in the subject line for email requests. We will verify your identity (e.g., by requesting proof of identity or details about your interactions with us) and respond within the timeframes required by law (e.g., 45 days under CCPA/CPRA). We may charge a reasonable fee for providing data copies where permitted. Requests may be denied if exemptions apply (e.g., data needed for legal compliance or service delivery).

California-Specific Rights

If you are a California resident, you may request information about third-party disclosures by emailing contact-us@mechanicusinsurance.com with “Your California Privacy Rights” in the subject line or mailing Mechanicus Insurance Services LLC, 180 Beverly Road, White Plains, NY 10605, Attn: Privacy Administrator. Include your name, address, and preferred response method. California residents under 18 who are registered users may request removal of publicly posted content by emailing contact-us@mechanicusinsurance.com with a detailed description. Note that such requests may not ensure complete removal, and legal exemptions may apply.

Privacy Policy

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