Privacy Policy

Introduction

Davis Marine Insurance ("we," "our," or "us") is 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 auto insurance services.

By accessing or using our services, you agree to the terms outlined in this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We collect several types of information to provide and improve our auto insurance services:

Personal Information

When you request a quote, purchase a policy, or contact us, we may collect:

• Full name and contact details (email address, phone number, mailing address)
• Date of birth and driver's license information
• Social Security number for identification and credit verification
• Vehicle information (make, model, year, VIN)
• Driving history and claims information
• Payment and billing information

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website addresses
• Clickstream data and user behavior patterns

Third-Party Information

We may obtain information from third-party sources to verify your identity, assess risk, and process your insurance application:

• Motor vehicle records and driving history
• Credit reports and scores
• Claims history from insurance databases
• Public records and other lawful sources

How We Use Your Information

We use the information we collect for various purposes, including:

Service Delivery

• Processing insurance quote requests and policy applications
• Underwriting and risk assessment
• Issuing and managing insurance policies
• Processing claims and providing customer support
• Communicating policy updates and renewal notices

Business Operations

• Preventing fraud and ensuring security
• Complying with legal and regulatory requirements
• Conducting data analysis and improving our services
• Marketing our products and services (with your consent)
• Maintaining and improving website functionality

Communication

• Responding to your inquiries and requests
• Sending administrative information and updates
• Providing customer support and assistance
• Delivering promotional materials (where permitted)

Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Insurance underwriting and rating services
• Payment processing companies
• Claims administration services
• IT and website hosting providers
• Marketing and analytics partners

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Enforce our terms of service and policies
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Respond to emergencies involving personal safety

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change in ownership or control of your personal information.

With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security practices include:

• Encryption of sensitive data during transmission (SSL/TLS)
• Secure storage systems with access controls
• Regular security assessments and audits
• Employee training on data protection practices
• Physical security measures for our facilities

While we strive to protect your information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but continuously work to maintain the highest standards of data protection.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Access and Correction

You have the right to access and update your personal information. You can review and modify your account details by logging into your account or contacting us directly.

Data Deletion

You may request deletion of your personal information, subject to legal and contractual obligations. Note that we may need to retain certain information for legal compliance or legitimate business purposes.

Marketing Opt-Out

You can opt out of receiving marketing communications by:

• Clicking the "unsubscribe" link in our emails
• Updating your communication preferences in your account
• Contacting us directly to request removal

Do Not Sell My Information

We do not sell your personal information to third parties for their marketing purposes. If our practices change, we will update this policy and provide you with appropriate choices.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and analyze website usage:

Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors interact with our site
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Track your activity to deliver relevant advertisements

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality and your user experience.

Third-Party Analytics

We use third-party analytics services (such as Google Analytics) to collect and analyze information about website usage. These services may use cookies and other tracking technologies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email or prominent website notice for significant changes
• Obtain your consent if required by applicable law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

Contact Us

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

We will respond to your inquiry within a reasonable timeframe and work to address your concerns promptly.