1. Introduction

Bright Coast Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at brightcoastins.com.

2. Information We Collect

Information You Provide

We collect information you voluntarily provide, including:

• Name, email address, phone number, and company name (via quote or contact forms)
• ZIP code, number of employees, and coverage details (via quote forms)
• Any other information you choose to provide in messages or forms

Automatically Collected Information

With your consent, we may collect information automatically when you visit our site, including:

• IP address and general geographic location
• Browser type, operating system, and device information
• Pages visited, time spent on pages, and navigation paths
• Referring URLs and search terms

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Essential cookies: Ensure the website functions properly. These cannot be disabled.
• Analytics cookies (optional): Understand how visitors use our site via Google Analytics 4. All data is anonymized.
• Marketing cookies (optional): Support advertising campaigns on platforms such as Google and Meta (Facebook/Instagram).

You can control non-essential cookies through the cookie consent banner displayed when you first visit our site. You may also clear cookies at any time through your browser settings.

4. How We Use Your Information

We use the information we collect to:

• Respond to quote requests and provide insurance services
• Communicate with you about your coverage needs
• Improve our website and user experience
• Send marketing communications (with your consent)
• Comply with legal obligations

5. Information Sharing

We do not sell your personal information. We may share your information with:

• Insurance carriers: To obtain quotes and bind coverage on your behalf.
• Service providers: Third-party vendors who assist us in operating our website and business (e.g., NowCerts agency management system, Google Analytics).
• Legal requirements: When required by law or to protect our legal rights.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Quote request data is retained for up to 3 years.

7. Your Rights (CCPA / Florida)

Florida residents and California residents (under CCPA) have the right to:

• Know what personal information we collect about you
• Request deletion of your personal information
• Opt out of the sale of your personal information (we do not sell data)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at [email protected].

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Security

We implement reasonable administrative, technical, and physical security measures to protect your information. However, no method of transmission over the internet is 100% secure.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page with an updated date.

11. Contact Us

If you have questions about this Privacy Policy, contact us at: