Privacy Policy
1. Introduction
Choice Insurance Advisors ("we," "us," "our," or "the Agency") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use and share it, how we protect it, and the choices available to you.
This policy applies to information collected through our website (choiceinsuranceadvisors.net), by phone, by email, in person, or through any quote request, application, or communication you have with us as an independent insurance agency operating in Oklahoma.
By using our website or providing us with information, you acknowledge the practices described in this policy.
2. Information We Collect
We may collect the following categories of information:
Personal Identifying Information
- Name, address, phone number, email address
- Date of birth, Social Security number (when required for underwriting)
- Driver's license number (for auto insurance quotes)
Financial Information
- Payment and billing information
- Credit-related information obtained from consumer reporting agencies, where permitted by law and relevant to underwriting
Insurance and Property Information
- Property details (for home, condo, landlord, boat, or motorcycle coverage)
- Vehicle information
- Prior insurance history and claims history
- Health-related information (only where relevant to specific life or health insurance products, and handled with heightened care — see Section 6)
Website and Technical Information
- IP address, browser type, device information
- Pages visited, time on site, referring website
- Cookies and similar tracking technologies (see Section 8)
We collect this information directly from you (through quote forms, applications, phone calls, or email), from insurance carriers we work with, from consumer reporting agencies, and from publicly available sources where permitted by law.
3. How We Use Your Information
We use the information we collect to:
- Provide insurance quotes and compare coverage options across carriers
- Process applications and bind coverage
- Service existing policies, including renewals, endorsements, and claims support
- Communicate with you about your coverage, including policy changes and renewal notices
- Comply with legal, regulatory, and state insurance department requirements
- Improve our website and services
- Send marketing communications, where you have not opted out (see Section 7)
We do not use your personal or financial information for any purpose unrelated to providing insurance services and maintaining our business relationship with you, except as described in this policy or as required by law.
4. How We Share Your Information
As an independent insurance agency, sharing certain information with insurance carriers is necessary to provide you with quotes and coverage. We may share your information with:
Insurance Carriers
To obtain quotes, bind coverage, and service your policy, we share relevant application and underwriting information with the carriers you choose to do business with.
Service Providers
We may share information with third parties who perform services on our behalf, such as IT support, payment processing, or marketing platforms — under agreements that require them to protect your information and use it only for the purpose we've engaged them for.
Legal and Regulatory Requirements
We may disclose information when required by law, regulation, subpoena, court order, or to respond to a state insurance department inquiry.
Business Transfers
If the Agency is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections described here.
With Your Consent
We may share information for any other purpose disclosed to you at the time of collection, or with your explicit consent.
We do not sell your personal information to third parties.
5. Your Right to Opt Out of Information Sharing (GLBA Notice)
Under the Gramm-Leach-Bliley Act, as a financial institution handling nonpublic personal information, we are required to give you the opportunity to opt out of certain types of information sharing with nonaffiliated third parties (outside of what's necessary to service your policy).
If you would like to opt out of having your information shared for purposes not necessary to provide or service your insurance policy, you may contact us at:
405-357-1853 or jmcmillan@choiceinsuranceadvisors.net
We will process opt-out requests within 30 days and will not require you to opt out more than once unless you later provide new authorization.
6. Sensitive Information (Health Data)
For certain products (such as life insurance), we may collect health-related information as part of the underwriting process. This information is:
- Collected only when necessary for the specific product you're applying for
- Shared only with the carrier(s) involved in underwriting that specific application
- Not used for marketing purposes
- Protected with the same security safeguards described in Section 9
7. Marketing Communications and Opt-Out
If you receive marketing emails, texts, or calls from us, you may opt out at any time by:
- Clicking "unsubscribe" in any marketing email
- Replying "STOP" to any marketing text message
- Contacting us directly at 405-357-1853 or jmcmillan@choiceinsuranceadvisors.net
Opting out of marketing communications will not affect service-related communications about your existing policy (such as renewal notices or claims updates), which we are required to send.
8. Cookies and Website Tracking
Our website may use cookies and similar technologies to:
- Remember your preferences
- Understand how visitors use our site
- Support quote request forms and contact functionality
You can control cookies through your browser settings. Disabling cookies may affect certain website functionality, such as quote request forms.
9. Data Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. These include — e.g. encrypted data transmission, restricted employee access, secure carrier portals.
While we take reasonable steps to protect your information, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
10. Data Retention
We retain your personal information for as long as necessary to service your policy, comply with legal and regulatory recordkeeping requirements (including state insurance department requirements), and resolve any disputes. Retention periods vary based on the type of information and applicable law.
11. Children's Privacy
Our website and services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected such information, we will take steps to delete it.
12. Your Rights and Choices
Depending on applicable law, you may have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information, subject to our legal and regulatory recordkeeping obligations
- Opt out of marketing communications and certain information sharing (see Sections 5 and 7)
To exercise any of these rights, contact us using the information in Section 14.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this policy indicates when it was last revised. Material changes will be reflected on this page, and where required by law, we will notify you directly.
14. Contact Us
If you have questions about this Privacy Policy or how we handle your information, please contact us:
Choice Insurance Advisors
Phone: 405-357-1853