Privacy Policy

1. Introduction

Data privacy is of utmost importance to Alliance Risk. This Privacy Policy (“Policy”) explains how we collect, share, and process information about individuals who use our Website and mobile application (our “Services”), as well as when you contact us or interact with us in other ways. It also informs you about your privacy rights and the options available to you regarding our handling of Personal Information.

References to “you” refer to any person who provides data, whether personal or otherwise, through this Website.

This Policy applies to Alliance Risk, Inc., a Limited Liability Company, operating as “Alliance Risk” in all states, and our subsidiary agency, Alliance Risk Insurance Services LLC (collectively, “Alliance Risk,” “we,” or “us”).

This Policy is in addition to, and does not replace or override, our Terms of Service, which can be found at https://www.joinalliancerisk.com/terms.

Please review this Policy carefully. If you find any terms unacceptable, please refrain from using the Website or providing us with any Personal Information.

2. What is Personal Information?

Personal Information generally refers to data that identifies, relates to, describes, or could reasonably be associated with an individual (such as name, address, telephone number, Social Security number, or driver’s license number).

3. Collection of Your Information

(a) Information you provide directly to us. Alliance Risk may collect information to underwrite, sell, solicit, and negotiate insurance products and services. This may include the following information, some of which may not be considered Personal Information under U.S. privacy laws:

• Your first and last name; phone number (both work and personal); home address; employment address; email address (both work and personal); date of birth; gender; online profiles (e.g., Facebook, LinkedIn, Google+); Social Security number; driver’s license number; marital status; financial data; educational background; and employment history.

• Any information you provide when contacting our customer service team via our contact form, email, chat, phone, or other means.

• Information linked to your social media or other online accounts, such as your public profile and associated email address, when accessing our Website through such an account (e.g., by clicking on our advertisement through your social media account). Your social media activity is governed by the privacy policies of those third-party companies.

• Information submitted when writing a review about products you have purchased. Note that online reviews are public and can be collected and used by third parties. Alliance Risk is not responsible for third-party collection or distribution of Personal Information from public forums.

• Your activity on our Website, such as page views, order information, or information provided when requesting insurance quotes or surveys.

• Information is collected through automated technologies, including IP addresses, web beacons, and cookies.

• Background information on business owners, including history of bankruptcy, tax or credit liens, lawsuits related to workmanship, construction defects, or mold/fungi, and insurance or employee benefit program details.

• Any other information you voluntarily provide.

You must ensure that all information and Personal Information you submit is accurate and not misleading. You should also keep it up-to-date and notify us of any changes via the contact information below. For Personal Information provided to obtain our Services, we may collect or verify similar information from affiliates and third parties such as employers, insurers, brokers, credit agencies, motor vehicle departments, financial institutions, healthcare providers, and other sources.

(b) Personal Information collected automatically. When you visit our Website, we may automatically collect certain information that could be categorized as Personal Information. This includes your IP address, the date and time of access, hardware, software or internet browser details, and information about your mobile device or computer’s operating system. We may also track clicks, page views, and any information provided in connection with insurance quotes. Depending on applicable privacy laws, this information may be considered Personal Information.

(c) Personal Information about other individuals. If you provide Personal Information about third parties (e.g., employees or dependents), we assume you have the necessary authority. Only provide accurate information and avoid including unnecessary details.

(d) Background Checks and Reports. To provide an insurance quote, Alliance Risk may conduct background checks, obtain credit reports and/or scores, and/or search public Internet sources about you or your company.

4. How We Use Your Personal Information

Alliance Risk collects information about you and your company, including Personal Information, for various purposes, including:

• Underwriting, selling, soliciting, and negotiating insurance products and services.

• Processing orders.

• Contacting you regarding your account, orders, payments, renewals, endorsements, or other important matters related to transactions with us.

• Providing requested quotes or offering goods and services from third-party vendors. By submitting contact information for quotes or offers, you consent to receive communications such as phone calls, emails, text messages, and mailers.

• Contacting you regarding our Services and products if you provide contact information for such purposes.

• Providing information or services you request.

• Determining eligibility and processing applications for products and services.

• Informing you about products and services we offer.

• Communicating, servicing, and billing accounts or clients.

• Conducting research and development for new products and services.

• Analyzing claims data or other information to respond to queries, provide selected products or services, fulfill contractual obligations, present our Website and content, generate content dynamically, store preference information, and other commercial purposes.

• Obtaining and updating insurance or credit information from appropriate third parties.

• Monitoring and managing accounts and services.

• Conducting employee training.

• Performing market analysis, advertising, and marketing of products and services.

• Fulfilling contractual obligations.

• Complying with legal or regulatory requirements.

5. With Whom Do We Share Your Personal Information

Alliance Risk may disclose your information, including Personal Information, under the following circumstances:

• To insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, attorneys, accountants, and others involved in the claims handling process (“Disclosure”). This includes guaranty funds or agencies, applicable rating agencies, individuals assessing our compliance with industry standards, and our attorneys, accountants, and auditors.

• With your explicit consent, to third parties who assist us in operating our Website, conducting our business, or servicing you, including for marketing and advertising purposes.

• As permitted by law, to third-party insurance rate advisory organizations and other entities that compile commercial databases of insurance and financial information, may include premium and loss data, vehicle history, name, address, ownership structure, liens, judgments, and payment history.

• To comply with legal obligations, enforce our Website policies, or protect our or others’ rights, property, or safety.

• If required by law or if we have a good faith belief that such action is necessary to comply with legal processes or requests served on Alliance Risk.

• When necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity.

• As required for company audits or to investigate complaints or security threats.

• To a third party in the event of a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with bankruptcy or similar proceedings).

• To enforce or apply our Website policies and other agreements, including for billing and payment collection purposes, or to protect the rights, property, or safety of Alliance Risk, our customers, or others. This may involve exchanging information, including Personal Information, with other companies and organizations for fraud protection and credit risk reduction.

• For any other purpose to which you have consented, as required by applicable laws and regulations.

• To our service providers who are contractually obligated to use or disclose your information only as necessary to perform services on our behalf or to comply with legal requirements.

• No mobile information will be shared with third parties for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties. The opt-in is not transferable to another party involved in the process.

6. For How Long Will We Store Your Personal Information

Generally, we retain Personal Information only for as long as necessary (including to meet legal and regulatory requirements) and for the reasons for which it was collected. We maintain a data retention policy with clear guidelines on retention and deletion.

We consider the following criteria when determining retention periods for records containing Personal Information:

• The length of time needed to provide the products and services you requested.

• The time required to support and enhance our operational processes.

• The period needed to protect our rights and legal interests.

• The duration required to comply with applicable laws and regulations.

Personal Information may be included in multiple records and used for various purposes, each with different retention periods based on the above factors.

7. Data Security

Alliance Risk takes steps to protect your information from unauthorized access. While we implement reasonable measures to safeguard the information you submit through our Website against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee absolute security. No internet, email, or mobile application transmission is fully secure or error-free. Email or other messages sent through the Website may not be secure. Exercise caution when submitting information through email or the Website and be selective about the information you provide.

8. Third-Party Links

Our Website may contain links to other websites offering third-party products or services. This Privacy Policy does not apply to those websites or services. We encourage you to review the privacy statements and terms of any third-party websites you visit. These sites may use their own cookies and tracking technologies, log your IP address, and collect data or solicit your Personal Information. We strive to protect our Website's integrity and welcome feedback on these external sites.

9. Your Choices

Alliance Risk provides options to opt into (and later opt out of) receiving promotional text messages, push notifications, voicemails, and emails from us, our business partners, and third-party survey vendors. To opt out of text communications, text STOP or contact us at the email listed in Section 18 below. To unsubscribe from promotional voicemails, email us at the address provided in Section 18. If you receive push notifications on your mobile device, you can disable them through your device or application settings. Uninstalling our application will stop the collection of information and its presence on your device. To unsubscribe from promotional emails, use the “unsubscribe” link at the bottom of the email.

You also have options regarding cookies and similar technologies, as detailed below.

10. Cookies

Alliance Risk uses cookies to collect information about how you use our Website. A cookie is a small text file generated by a website and stored on your internet browser or device hard drive. Cookies help a website recognize a user’s device on return visits, providing a more stable and personalized experience, and allowing us to gather usage information. For more detailed information on cookies and their function, visit www.aboutcookies.org.

You can configure your browser settings to limit the acceptance and storage of cookies, but blocking all cookies may affect your browsing experience on our and other websites.

We may also use web beacons and similar tracking technologies to gather information about your interactions with our Website. A web beacon is a transparent, one-pixel image embedded in web content or emails, used to track pages viewed and content accessed.

11. Alliance Risk’ Cookie Use

Cookies help Alliance Risk identify a user’s device on return visits, enhancing the efficiency and stability of our Website by offering a customized experience. Cookies also provide insights into user behavior and enable us to compile aggregate statistics. We use various types of cookies, including:

• Necessary cookies to navigate secure areas for registered users.

• Functional cookies to remember user preferences such as language or region.

We use analytical services to assess content effectiveness, user interests, and Service functionality. Web beacons, tracking pixels, and performance cookies help us understand visitor behavior and count visitor numbers. While generally not used for personal identification, this data may be combined with other information for analysis.

Third-party websites where we advertise may use cookies to track advertising campaign success. Web beacons may also be used in conjunction with cookies to monitor user activity. You cannot block web beacons, but you can remove and block the cookies that support them.

12. Your Control Over Cookies

You can manage cookies in various ways, including blocking or accepting them through your browser settings. Most browsers allow you to delete cookies individually, but this may result in loss of site preferences. Note that removing or blocking cookies may affect your user experience and access to parts of our Website. Web beacons will still function without cookies but will only record anonymous visits. For more information on modifying browser settings to block or filter cookies, visit www.aboutcookies.org.

You can opt out of anonymized browsing activity tracking by analytics cookies following Google’s instructions at https://myaccount.google.com/yourdata/search.

Flash cookies, or local shared objects, store additional information and cannot be controlled via browser settings. Some parts of our Website use flash cookies for media player preferences. These cookies can be managed manually on the Adobe website at https://experienceleague.adobe.com/docs/core-services/interface/administration/ec-cookies/cookies-first-party.html?lang=en.

13. International Users

Alliance Risk and this Website are based in the United States. We offer insurance only to U.S. residents.

14. Alliance Risk Does Not Intend to Collect Information from Children

Alliance Risk Services are not intended for individuals under the age of thirteen (13), and we do not knowingly collect or solicit Personal Information from children or anyone under the age of 13. We do not knowingly permit such individuals to use our Services. If we discover that we have inadvertently collected Personal Information from a child or someone under 13, we will delete that information as swiftly as possible. If you believe we may have any information from or about a child, please contact us using the methods listed below in the “Contact Us” section.

15. Revisions to Our Privacy Policy

We reserve the right to modify this Privacy Policy at any time by posting the updated Privacy Policy on our Website. The date of the most recent revision is indicated at the top of the page. All changes take effect immediately upon their posting on our Website unless a change in applicable law necessitates immediate adjustment. It is your responsibility to periodically review this Privacy Policy for any updates.

16. Contact Us

If you have any questions about this Privacy Policy or your Personal Information that Alliance Risk holds, or if you wish to update the Personal Information you have provided, please use the contact information below:

Email: support@joinalliancerisk.com