Privacy Policy

 

Introduction 

In Union Bay’s mission to make insurance understandable and better for everyone, we collect and use information about you. This Privacy Policy will help you better understand how we collect, use, and share your personal information. If we change our privacy practices, we may update this privacy policy. If any changes are significant, we will let you know (for example, through the Union Bay admin or by email).

Our values

Trust is the foundation of the Union Bay insurance platform, and includes trusting us to do the right thing with your information. Two main values guide us as we develop our products and services. These values should help you better understand how we think about your information and privacy.

  1. Your information belongs to youUnion Bay carefully analyzes what types of information we need to provide our services, and we try to limit the information we collect to only what we really need. Where possible, we delete or anonymize this information when we no longer need it. When building and improving our products, our engineers work closely with our privacy and security teams to build with privacy in mind. In all of this work our guiding principle is that your information belongs to you, and we aim to only use your information to your benefit.
  2. We protect your information from others
    Other than with respect to our insurers who need information to quote insurance policies for you, or pursuant to applicable state or Federal law, including court orders, we will refuse to share your information, unless you give us permission or we are otherwise legally required.

Why we process your information 

We generally process your information when we need to do so to fulfill a contractual obligation (for example, to get you an insurance quote), or where we or someone we work with needs to use your personal information for a reason related to their business (for example, to provide you with a service). European law calls these reasons “legitimate interests.” These “legitimate interests” include:

  • preventing risk and fraud
  • answering questions or providing other types of support
  • providing and improving our products and services
  • providing reporting and analytics
  • testing out features or additional services
  • assisting with marketing, advertising, or other communications

We only process personal information for these “legitimate interests” after considering the potential risks to your privacy—for example, by providing clear transparency into our privacy practices, offering you control over your personal information where appropriate, limiting the information we keep, limiting what we do with your information, who we send your information to, how long we keep your information, or the technical measures we use to protect your information.

Your rights over your information

We believe you should be able to access and control your personal information no matter where you live. Depending on how you use Union Bay, you may have the right to request access to, correct, amend, delete, port to another service provider, restrict, or object to certain uses of your personal information (for example, direct marketing). We will not charge you more or provide you with a different level of service if you exercise any of these rights.

Please note that if you send us a request relating to your personal information, we have to make sure that it is you before we can respond. In order to do so, we may ask to see documentation verifying your identity, which we will discard after verification.

If you would like to designate an authorized agent to exercise your rights for you, please email us from the email address we have on file for you. If you email us from a different email address, we cannot determine if the request is coming from you and will not be able to accommodate your request. In your email, please include the name and email address of your authorized agent.

If you are not happy with our response to a request, you can contact us to resolve the issue. You also have the right to contact your local data protection or privacy authority at any time.

Finally, because there is no common understanding about what a “Do Not Track” signal is supposed to mean, we don’t respond to those signals in any particular way.

Where we send your information

 To operate our business, with your permission we may send your information to insurance companies outside of your state, or sometimes we may send aggregated customer information to another country. This data may be subject to the laws of the countries where we send it. When we send your information across borders, we take steps to protect your information, and we try to only send your information to countries that have strong data protection laws. If you would like more information about where your information might be sent, please contact us.

Your information may also be subject to protections under the state insurance laws of the states in which you or we operate.

Finally, while we do what we can to protect your information, we may at times be legally required to disclose your personal information (for example, if we receive a valid court order).

How we protect your information

Our teams work tirelessly to protect your information, and to ensure the security and integrity of our platform. We also have independent auditors assess the security of our data storage and systems that process financial information. However, we all know that no method of transmission over the Internet, and method of electronic storage, can be 100% secure. This means we cannot guarantee the absolute security of your personal information.

How we use “cookies” and other tracking technologies

We may use cookies and similar tracking technologies on our website and when providing our services.

How you can reach us

If you would like to ask about, make a request relating to, or complain about how we process your personal information, you can contact us by email at info@unionbayrisk.com, or at the address below.

Union Bay Risk Advisors LLC

ATTN: Chief Privacy Officer

750 South Seventh Street

Ontonagon, MI 49953

 

 

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