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Privacy Policy

At Whitco Insurance Agency LLC, your privacy is of utmost importance to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, request a quote, or purchase insurance products and services from us. By using our website and services, you consent to the practices outlined in this policy.

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1. Information We Collect

a. Personal Information

We collect personal information that you voluntarily provide to us, including but not limited to:

  • Name

  • Email address

  • Mailing address

  • Phone number

  • Vessel information (e.g., type, value, location, usage)

  • Insurance history and preferences

  • Payment information (processed securely through third-party services)

b. Automatic Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, such as:

  • IP address

  • Browser type and version

  • Device type

  • Pages visited

  • Time spent on the site

  • Referring URL

This information helps us understand user behavior and improve our digital experience.

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2. How We Use Your Information

Yacht INS uses the information we collect to:

  • Provide insurance quotes and policy recommendations

  • Communicate with you about services and updates

  • Process applications, payments, and claims

  • Improve our website functionality and content

  • Ensure compliance with legal and regulatory obligations

  • Send promotional or marketing communications (with your consent)

  • Prevent fraud and unauthorized access

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3. Sharing Your Information

We do not sell your personal information to third parties. However, we may share your data with:

  • Licensed insurance carriers and underwriters for quote generation

  • Third-party service providers involved in billing, email marketing, and analytics

  • Government or regulatory bodies, if required by law

  • Legal advisors or compliance consultants in connection with legal claims or audits

All third parties are contractually obligated to keep your information secure and use it solely for the intended purpose.

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4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. These cookies:

  • Remember your preferences

  • Track site usage analytics

  • Enable marketing retargeting campaigns

You may disable cookies through your browser settings; however, this may impact certain site features.

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5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. This includes retention for:

  • Ongoing insurance policy management

  • Legal and compliance requirements

  • Customer service and support

Once no longer needed, we securely delete or anonymize your data.

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6. Your Privacy Rights

As a user, you have the following rights regarding your personal information:

  • Access – Request a copy of the data we hold about you

  • Correction – Update or correct inaccurate information

  • Deletion – Request that your information be removed, subject to legal retention requirements

  • Objection – Opt-out of direct marketing communications

  • Portability – Request your data in a structured, machine-readable format

To exercise any of these rights, email us at Pablo.Silva@whitcoinsurance.com.

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7. Marketing Communications

You may opt-in to receive promotional emails from Whitco Insurance Agency LLC regarding new products, special offers, or marine safety tips. If you no longer wish to receive these messages, you can unsubscribe at any time by clicking the link in the email or contacting us directly.

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8. Third-Party Links

Our website may include links to third-party websites (e.g., insurance partners, government boating resources). We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before sharing any personal information.

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9. Children’s Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect or maintain personal information from children. If we discover that a child has submitted personal data, we will delete it promptly.

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10. Security Measures

We implement industry-standard security measures to protect your personal information, including:

  • SSL encryption

  • Secure access controls

  • Regular system monitoring

  • Third-party data security assessments

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Despite our best efforts, no method of transmission or storage is 100% secure. We encourage you to use strong passwords and be cautious with sensitive information online.

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11. International Users

Yacht INS operates in the United States. If you are accessing our services from outside the U.S., your data will be transferred to and processed in the U.S., where data protection laws may differ from those in your country.

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12. Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technologies, or legal obligations. We will notify users of significant changes by updating the policy on our website and adjusting the "Effective Date" above.

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13. Contact Us

If you have any questions, requests, or concerns regarding your personal information or this Privacy Policy, please contact:

Pablo Silva
Whitco Insurance Agency LLC
📧 Email: Pablo.Silva@whitcoinsurance.com

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