1. Information We Collect

1.1 Personal Information You Provide

We collect information you voluntarily provide when you:

• Request an insurance quote or consultation
• Fill out our contact form or "Find My Coverage" quiz
• Subscribe to our newsletter or communications
• Call, email, or text our office
• Submit a blog post or contributor application

This information may include:

• Identifying information: Name, email address, phone number, mailing address
• Insurance-related information: Property details, vehicle information, coverage preferences, current insurance carrier, claims history
• Financial information: Payment details (processed through secure third-party payment processors — we do not store credit card numbers)
• Demographic information: Date of birth, marital status, household composition (when relevant to obtaining quotes)
• Communication records: Transcripts of calls, emails, text messages, and chat conversations

1.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• Device information: Browser type, operating system, screen resolution, device identifiers
• Usage data: Pages visited, time spent on pages, click patterns, referring URLs
• Location data: Approximate geographic location based on IP address
• Cookies and tracking technologies: See our Cookie Policy for full details

1.3 Information from Third Parties

We may receive information from:

• Insurance carriers and underwriters (policy details, claims information)
• Credit reporting agencies (with your consent, for underwriting purposes)
• Public records and databases
• Referral partners and lead providers

2. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes, recommendations, and policy services
• Process applications and facilitate policy binding with carriers
• Communicate with you about your policies, claims, and account
• Send marketing communications (with your consent — see Section 7)
• Improve our website, services, and customer experience
• Analyze website traffic and usage patterns via Google Analytics
• Comply with legal obligations and regulatory requirements
• Detect, prevent, and address fraud or security issues
• Respond to lawful requests from public authorities

3. How We Share Your Information

We may share your personal information with:

3.1 Insurance Carriers and Underwriters

To obtain quotes and bind policies on your behalf, we share relevant personal and property information with our carrier partners. Each carrier has its own privacy practices, and we encourage you to review their policies.

3.2 Service Providers

We work with third-party vendors who assist with:

• Website hosting and maintenance
• Email delivery and marketing automation
• Analytics and performance tracking (Google Analytics)
• Customer relationship management (CRM)
• Payment processing

These providers are contractually obligated to protect your information and may only use it to perform services on our behalf.

3.3 Legal and Regulatory Compliance

We may disclose information when required by law, regulation, subpoena, court order, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or use of your personal information.

We do not sell your personal information to third parties for their own marketing purposes.

4. Data Security

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

• Encryption: SSL/TLS encryption for all data transmitted between your browser and our servers
• Access controls: Role-based access limiting employee access to personal information on a need-to-know basis
• Secure storage: Personal data is stored on secure, access-controlled servers
• Regular monitoring: We regularly monitor our systems for vulnerabilities and unauthorized access
• Employee training: Staff members are trained on data handling best practices and privacy requirements

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest practical standards.

5. Your Privacy Rights

5.1 General Rights

Depending on your jurisdiction, you may have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Opt-out: Opt out of marketing communications at any time
• Data portability: Request your data in a portable format

5.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us
• Right to opt out of the sale or sharing of personal information
• Right to non-discrimination for exercising your privacy rights
• Right to correct inaccurate personal information
• Right to limit use and disclosure of sensitive personal information

To exercise these rights, contact us at privacy@totalqualityinsurance.com or call 706-434-8184. We will respond within 45 days as required by law.

5.3 Georgia and South Carolina Residents

Georgia and South Carolina residents are protected by state insurance privacy laws administered by their respective Departments of Insurance. These laws govern how insurance-related personal information is collected, shared, and protected. For complaints, contact:

• Georgia: Georgia Office of the Commissioner of Insurance
• South Carolina: South Carolina Department of Insurance

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. For detailed information about the types of cookies we use and how to manage them, please see our Cookie Policy.

7. SMS/Text Message and Email Communications

7.1 SMS/Text Messages

If you provide your mobile phone number and consent to receive text messages, we may send you:

• Policy updates and renewal reminders
• Claims status notifications
• Appointment confirmations
• Promotional offers (with separate consent)

Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP to any text message. For help, reply HELP or contact us at 706-434-8184. See our full SMS/Text Compliance Policy.

7.2 Email Communications

We comply with the CAN-SPAM Act. Every marketing email we send includes:

• Clear identification of the sender (Total Quality Insurance)
• A valid physical mailing address
• An easy-to-find unsubscribe mechanism

You may opt out of marketing emails at any time by clicking the "unsubscribe" link in any email or contacting us directly. We will process your request within 10 business days. Note: Opting out of marketing emails does not affect transactional or policy-related communications.

8. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child under 18, we will promptly delete it. If you believe a child has provided us with personal information, please contact us at privacy@totalqualityinsurance.com.

9. Data Retention

We retain personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy
• Comply with legal and regulatory requirements (insurance records are typically retained for 7+ years per state regulations)
• Resolve disputes and enforce agreements
• Maintain business records as required by applicable law

When information is no longer needed, we securely dispose of it using industry-standard methods.

10. Third-Party Links

Our website may contain links to third-party websites, including insurance carriers, government agencies, and industry resources. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. We will post the updated policy on this page and update the "Last Updated" date. Material changes will be communicated via email or a prominent notice on our website.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is handled, please contact us:

• Email: privacy@totalqualityinsurance.com
• Phone: 706-434-8184
• Mail: Total Quality Insurance, CSRA - SC & GA