Legal

Privacy Policy

Last updated [EFFECTIVE DATE]

This is a template privacy policy provided as a starting point only. It must be reviewed, completed, and approved by a licensed attorney and your compliance team before it is published or relied upon. Bracketed items are placeholders that must be replaced with accurate, business-specific information.

Introduction

This Privacy Policy explains how [COMPANY LEGAL NAME] (“Melon Insurance Services,” “we,” “us,” or “our”) collects, uses, shares, and protects information about you when you visit our website, request a quote, or otherwise interact with us. We are an independent insurance brokerage, and protecting your privacy is part of how we earn your trust.

By using our website or submitting information to us, you agree to the practices described in this policy. If you do not agree, please do not use our website or submit your information to us.

Information We Collect

We collect information in a few different ways, depending on how you interact with us:

  • Contact and quote form data. Information you provide directly when you request a quote, contact us, or ask us to review your coverage — such as your name, email address, phone number, mailing address, and details about the property, vehicles, business, or people you want to insure.
  • Usage data. Information collected automatically when you visit our website, such as your IP address, browser type, device information, pages viewed, referring pages, and the dates and times of your visits.
  • Cookies and similar technologies. Small data files stored on your device that help our website function and help us understand how it is used. See “Cookies & Analytics” below.

You are not required to provide personal information to browse our website, but some features — such as requesting a quote — will not work without it.

How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries and provide the services you request;
  • Prepare, compare, and present insurance quotes and coverage options;
  • Communicate with you about your requests, policies, and account;
  • Operate, maintain, secure, and improve our website;
  • Comply with applicable laws, regulations, and legal processes; and
  • Detect, prevent, and address fraud, security issues, and misuse.

How We Share Information

We do not sell your personal information. We share your information only as needed to serve you and operate our business, including with:

  • Insurance carriers and their representatives, in order to obtain quotes, place coverage, and service policies on your behalf;
  • Service providers who perform functions for us — such as website hosting, data storage, analytics, email delivery, and customer support — and who are permitted to use your information only to provide those services to us;
  • Legal and regulatory authorities, when we are required to do so by law, regulation, subpoena, or other legal process, or to protect our rights, property, or safety or that of others; and
  • Business transfers, in connection with a merger, acquisition, financing, or sale of assets, subject to appropriate protections.

[If your business does engage in any activity that could be considered a “sale” or “sharing” of personal information under applicable law, replace the statement above and describe those practices and opt-out rights here.]

Cookies & Analytics

We use cookies and similar technologies to operate our website, remember your preferences, and understand how visitors use our site. We may also use third-party analytics services that collect usage information to help us measure and improve site performance.

Most web browsers let you control cookies through their settings, including blocking or deleting them. If you disable cookies, some parts of our website may not function properly. Where required by law, we will request your consent before setting non-essential cookies.

Your Privacy Rights

Depending on where you live, you may have rights regarding your personal information, such as the right to request access to, correction of, or deletion of the information we hold about you, and the right to object to or restrict certain processing.

[STATE]/CCPA note: If you are a resident of [STATE], you may have additional rights under applicable state privacy law, which may include the right to know what personal information we collect and how we use and disclose it, the right to request deletion, the right to correct inaccurate information, the right to opt out of the sale or sharing of personal information, and the right not to be discriminated against for exercising your rights. To exercise any of these rights, contact us using the details in “Contact Us” below. We will verify your request and respond as required by applicable law.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information against loss, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to provide our services, and to comply with our legal, regulatory, tax, accounting, and recordkeeping obligations. When information is no longer needed, we take reasonable steps to delete it or de-identify it.

Children's Privacy

Our website and services are intended for adults and are not directed to children under the age of 13 (or the minimum age required by applicable law). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate steps to delete it.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we do, we will revise the “Last updated” date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website after changes take effect means you accept the updated policy.

Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

  • [COMPANY LEGAL NAME]
  • [OFFICE ADDRESS]
  • Phone: [PHONE NUMBER]
  • Email: [EMAIL ADDRESS]