Privacy notice

Who we are

Equitable Insurance Services, 1345 Avenue of the Americas, New York, NY 10105-0302, United States, decides how and why your personal information is used. You can reach us at info@equitableinsuranceservices.com or on +1 205 506 0036.

What we collect

How much we hold depends on how far you go with us.

• Everyone who visits. IP address, approximate location derived from it, browser and device type, pages viewed and the time of the visit.
• If you ask for a quote. Name, date of birth, gender if you choose to give it, contact details, address, what you want covered, what you already hold, and anything else you tell us.
• If you become a client. Policy details, premiums and payment records, claims history, documents you upload, and messages between us.
• If you have an account. Sign-in times, IP addresses and approximate locations of those sign-ins, and a record of changes made to your record.

Some products need information that carries extra protection — health information for life, health, disability and long-term care cover, and financial information for most lines. We ask for it only where the product genuinely needs it, and we tell you why at the point we ask.

Why we hold it

• To prepare quotes and place cover with carriers
• To service policies, process claims and respond to you
• To meet legal and regulatory obligations, including sanctions screening and record retention
• To detect and prevent fraud
• To keep our systems and your account secure

We do not sell your personal information. We do not share it with anyone for their own marketing, and we do not use it to build advertising profiles.

Who we share it with

Only where it is needed to do what you asked us to do, or where the law requires it:

• Insurance carriers and underwriters, to obtain quotes and place cover
• Claims adjusters, loss assessors and investigators handling a claim
• Service providers who host our systems, send our email and process payments, under contract and only on our instructions
• Regulators, law enforcement and courts where we are legally required to
• Professional advisers such as auditors and lawyers, where necessary

How long we keep it

Quote enquiries that do not become policies are kept for two years. Policy and claim records are kept for the life of the policy plus the period our regulatory and legal obligations require — commonly five to seven years after the policy ends, and longer where a claim involves a minor or an unresolved dispute. Sign-in activity records are deleted automatically after 30 days. Audit records are kept for seven years.

Your choices

Depending on where you live, you may have the right to:

• Know what we hold about you and get a copy of it
• Correct information that is wrong or incomplete
• Ask us to delete information, where we are not required to keep it
• Opt out of the sale or sharing of personal information — we do neither, so there is nothing to opt out of
• Limit the use of sensitive personal information
• Not be discriminated against for exercising any of these rights

Several states — including California, Colorado, Connecticut, Virginia, Texas and a growing number of others — give residents specific versions of these rights, and more states add them each year. Ask us whatever state you live in and we will handle the request. Email info@equitableinsuranceservices.com. We will verify who you are before acting, and respond within the period the applicable law requires.

Children

This site is not aimed at children and we do not knowingly collect information from anyone under 16 except as part of a policy arranged by their parent or guardian — for example a child named on a family health or life policy.

Security

Information is encrypted in transit and at rest, access is limited to staff who need it, and every change to a record is logged. Our security page explains the detail. No system is perfect, and if a breach affects you we will tell you as the law requires.

Changes

If we change this notice we will update the date at the top. Where a change materially affects how we use your information, we will tell you directly rather than relying on you to re-read this page.