Privacy Policy

1. Who we are

Emperor Insurance, Inc. ("Emperor Insurance," "we," "us," or "our") is an independent insurance agency headquartered at 12928 SW 133rd Ct, Miami, FL 33186. We are authorized to transact insurance in Florida, Nevada, Georgia, Texas, and California.

This Privacy Policy explains what we do with personal information collected through emperorinsurance.com and through the quote, certificate, and contact requests you submit to us. It applies to visitors to this website and to people who ask us for a quote. It does not cover how the insurance carriers or other companies we work with handle your information; for that, please contact the company directly.

As a licensed insurance agency, our handling of the information you give us in an insurance transaction is regulated by the insurance department of each state where we are authorized. Section 7 explains what that means for you.

2. Information we collect

Information you give us

Our forms ask only for what an agent needs to quote you. Depending on which form you use, that may include:

• Identifiers and contact details: your name, email address, phone number, and ZIP code.
• Coverage details: the type of insurance you want, and information about the thing being insured: vehicle, home, property, or business.
• Business information: for commercial quotes, your business name, industry, payroll or revenue ranges, number of employees, and similar underwriting details.
• Anything else you choose to tell us: free-text notes, questions, and messages.

Please do not send us Social Security numbers, driver's license numbers, dates of birth, or financial account numbers through this website. Our web forms are not the right place for that. If a carrier needs those details to finish underwriting, we will collect them from you through a secure channel.

Information collected automatically

Our web host records standard server logs when you load a page: your IP address, browser type, the pages you requested, and the date and time. These logs exist to deliver the site, keep it available, and defend it against abuse. We do not use them to build a profile of you, and we do not combine them with your quote request.

Information from other sources

When you ask us for a quote, the insurance carriers and wholesalers we submit your request to may obtain consumer reports about you or your business as part of their underwriting: for example, motor vehicle records, prior claims history, property inspection reports, or credit-based insurance scores, where state law permits their use. Those reports are ordered by and governed by the carrier, under the federal Fair Credit Reporting Act and applicable state insurance law. We may receive the results as part of a quote or a declination.

3. Why we use your information

We use the information described above to:

• Prepare and deliver the insurance quotes you asked for, and submit applications to carriers on your behalf.
• Contact you about your request (by phone, text, or email) including asking follow-up questions an underwriter needs answered.
• Issue certificates of insurance and service your policy, including renewals, endorsements, and claims support.
• Keep the records that state insurance regulators require us to keep.
• Operate, secure, and improve this website.
• Comply with law, respond to lawful requests, and establish or defend legal claims.

We do not use your information to make automated decisions about you. Underwriting decisions are made by carriers, not by this website.

4. When we share your information

We share your information only in the situations listed here.

Categories of parties we share personal information with, and why

Who	Why
Insurance carriers, wholesalers, MGAs, and surplus lines brokers	To obtain quotes, submit applications, bind coverage, and service policies. This is the core of what you asked us to do.
Service providers	Companies that run our website hosting, form delivery, email, and agency management systems. They may only use your information to perform that service for us.
Premium finance companies and claims adjusters	Where relevant to financing or servicing a policy you have asked us to place.
Regulators, auditors, and legal authorities	When required by law, subpoena, or a state insurance department examination.
A successor	If our agency is sold or merged, your information would transfer as part of the business. Any successor would remain bound by this policy.

That is the complete list. We do not share your information with lead buyers, marketing partners, data brokers, or advertising networks.

5. We do not sell your information

We do not sell your personal information, and we have never sold it. We also do not "share" it in the specific sense that some state privacy laws use that word. Meaning we do not disclose it to third parties for cross-context behavioral advertising. We do not receive money or anything else of value in exchange for your information.

Passing your details to a carrier so that carrier can quote you is not a sale. It is the service you asked us to perform, we do it at your direction, and we are paid a commission by the carrier for placing the policy, not for the data.

6. Cookies and tracking

Because we run no cross-context behavioral advertising, there is nothing for a browser-based opt-out preference signal, such as Global Privacy Control, to act on. We will honor such signals if that ever changes.

If we later add analytics or advertising technology, we will update this section before turning it on, and we will provide the choices the law requires at that time.

7. How we handle your insurance information

The insurance privacy regulations adopted by each state where we are authorized limit what we may do with the personal and financial information you give us in connection with an insurance transaction. We treat that information as confidential.

Consistent with those rules:

• We disclose that information only as described in Section 4, which falls within the disclosures those regulations permit without your prior authorization.
• We do not disclose it to unaffiliated third parties for their own marketing.
• We maintain physical, electronic, and procedural safeguards designed to protect that information.
• We apply these protections to former customers as well as current ones.

This Privacy Policy describes the information you give us through our website and in your requests to us.

8. Calls, texts, and email

When you submit a quote request, you are asking us to get back to you, and we will: by phone, text, or email, using the contact details you gave us. We contact you about the coverage you asked about. We do not use your details to market unrelated products, and we do not pass your number to anyone else to call you.

You can stop hearing from us at any time:

• Texts, reply STOP to any message.
• Email, use the unsubscribe link, or reply and ask.
• Calls. Tell the agent, or email Service@EmperorInsurance.com. We keep an internal do-not-call list and honor it.

Standard message and data rates may apply to texts. Opting out of marketing contact does not stop us from sending you messages we must send to service a policy you already hold.

9. Your choices and rights

Some states give residents formal rights over their personal information. As explained in Section 10, several of those laws do not currently apply to an agency of our size and type. We have decided not to make you check. As a matter of agency policy, wherever you live, you may ask us to:

• Tell you what personal information we hold about you and who we have given it to.
• Correct anything that is wrong.
• Delete what we hold, subject to the records we are legally required to keep, insurance regulators require us to retain transaction records for a set period, and we cannot delete an active policy file.
• Give you a copy of the information you provided to us.
• Stop contacting you, as described in Section 8.

Email Service@EmperorInsurance.com or call 305-253-5343. We will verify who you are before we act, usually by confirming details already in your file, and respond within 45 days. If we need more time, we will tell you why. There is no charge, and we will never penalize you or change your rates for asking.

If someone is acting for you, we will ask for proof of their authority before we release anything.

10. State-specific notices

We are licensed in Florida, Nevada, Georgia, Texas, and California. Here is where you stand in each, stated plainly.

California

The California Consumer Privacy Act applies to businesses that meet at least one statutory threshold: annual gross revenue above an inflation-adjusted figure (currently $26,625,000), buying or selling the personal information of 100,000 or more California consumers or households a year, or deriving 50% or more of revenue from selling or sharing personal information. We meet none of these, so the CCPA does not currently apply to us. Separately, California's Insurance Information and Privacy Protection Act governs how insurance agents handle information in California insurance transactions, and we comply with it. Section 9 tells you how to exercise the rights we extend to you regardless.

Texas

The Texas Data Privacy and Security Act exempts small businesses as defined by the U.S. Small Business Administration. We qualify, so the TDPSA does not apply to us. The one obligation Texas keeps for otherwise-exempt small businesses is consent before selling sensitive personal data, and we do not sell any data at all. Our handling of Texas insurance information is governed by the Texas Insurance Code and the Texas Department of Insurance's privacy rules.

Nevada

Nevada's online privacy law (NRS 603A.300 to 603A.360) lets consumers ask a website operator not to sell their personal information. We do not sell data, so you have nothing to opt out of. If you want to submit a request anyway, use the contact details in Section 16 and we will treat it as a request under Section 9. Nevada's insurance privacy regulations and its breach notification law do apply to us, and we comply with them.

Florida

The Florida Digital Bill of Rights applies only to businesses with more than $1 billion in global gross annual revenue that also meet further criteria. It does not apply to us. The Florida Information Protection Act, which requires us to notify you and the Florida Attorney General if your personal information is breached, applies to us regardless of our size, and we comply with it. So do the Florida Office of Insurance Regulation's privacy rules for insurance licensees.

Georgia

Georgia has not enacted a comprehensive consumer data privacy law. Georgia's breach notification statute and its insurance privacy and data security requirements apply to us, and we comply with them.

These conclusions reflect our size and the fact that we do not sell data. If either changes, we will update this section and give you the rights the law then requires.

11. How we protect your information

This entire website is served over HTTPS, so what you type into a form is encrypted in transit. We restrict access to your information to the people at our agency who need it to do their jobs. We maintain administrative, technical, and physical safeguards appropriate to the sensitivity of the information and the size of our agency, as state insurance regulations require.

We will be straight with you: no method of transmitting or storing information is perfectly secure, and we cannot guarantee absolute security. If your personal information is involved in a breach, we will notify you as required by the law of your state.

12. How long we keep your information

We keep quote requests and policy records for as long as we need them to serve you, and then for the period state insurance regulators require us to retain transaction records, generally five years after a transaction, though the exact period varies by state and record type. Where we are not required to keep something, we dispose of it securely.

13. Children's privacy

This website is meant for adults. Our services are not directed to children, we do not knowingly collect personal information from anyone under 16, and you must be at least 18 to request a quote. If you believe a child has given us information, email Service@EmperorInsurance.com and we will delete it.

14. Links to other sites

Our site links to carrier websites, payment portals, and other third parties. Once you leave emperorinsurance.com, this policy stops applying and theirs takes over. We do not control those sites and are not responsible for their privacy practices. Read their notices before you hand over information.

15. Changes to this policy

We will update this policy when our practices change or the law does. When we do, we will change the "Last updated" date at the top of this page. If a change materially affects how we handle information we already have about you, we will make a reasonable effort to tell you directly. The version posted here is always the one in force.

16. How to contact us

Questions about this policy, or want to exercise any of the choices in Section 9?

• Email, Service@EmperorInsurance.com
• Phone, 305-253-5343 or toll free 877-408-0711, Monday to Friday, 9:30am to 5:00pm Eastern
• Mail, Emperor Insurance, Inc., 12928 SW 133rd Ct, Miami, FL 33186

If you are not satisfied with our response, you may contact the insurance department of your state, or your state Attorney General's office.