Privacy Policy

Introduction

Best Rate Network ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and insurance brokerage services. As an insurance broker, we are subject to federal and state privacy regulations, including the Gramm-Leach-Bliley Act (GLBA), and we take our obligations under these laws seriously.

1. Information We Collect

Personal Information

We collect information you provide directly to us, including:

• Name, address, email address, and phone number
• Date of birth and Social Security number (for underwriting purposes)
• Driver's license number and driving history
• Commercial Driver's License (CDL) information
• DOT number and MC number
• Business information (company name, EIN, business structure)

Vehicle and Equipment Information

• Vehicle identification numbers (VINs)
• Year, make, and model of trucks and trailers
• Equipment values and specifications
• Operating radius and cargo types hauled

Insurance History

• Prior insurance coverage and claims history
• Loss runs and accident reports
• Current and previous carrier information

Automatically Collected Information

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our website
• Referring website addresses

2. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes from multiple carriers
• Process insurance applications and policy placements
• Communicate with you about your policies and coverage
• Verify your identity and eligibility for coverage
• Process claims and policy changes
• Comply with legal and regulatory requirements
• Prevent fraud and protect against liability
• Improve our services and website functionality
• Send you relevant information about our services (with your consent)

3. Information Sharing and Disclosure

We may share your information with:

Insurance Carriers

We share your information with insurance companies to obtain quotes and bind coverage. These carriers have their own privacy policies governing their use of your information.

Service Providers

We may share information with third-party vendors who assist us in operating our business, such as payment processors, data analytics providers, and technology service providers.

Legal Requirements

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

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Gramm-Leach-Bliley Act (GLBA) Compliance

As a licensed insurance broker, we comply with the privacy provisions of the Gramm-Leach-Bliley Act. Under GLBA:

• We provide this privacy notice explaining our information practices
• We maintain appropriate safeguards to protect your nonpublic personal information
• We limit access to your information to employees and agents who need it to perform their duties
• We require service providers to maintain confidentiality of your information

5. Your Rights and Choices

Access and Correction

You have the right to access the personal information we hold about you and request corrections to any inaccurate information. Contact us to make such requests.

Opt-Out of Marketing

You may opt out of receiving promotional communications from us by following the unsubscribe instructions in those communications or by contacting us directly.

Do Not Track

Our website currently does not respond to "Do Not Track" signals from browsers.

6. California Privacy Rights (CCPA)

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

• Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you
• Right to Delete: You can request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out: You can opt out of the sale of your personal information (note: we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, please contact us using the information provided below. We may need to verify your identity before processing your request.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication
• Regular security assessments and updates
• Employee training on data protection practices
• Physical security measures for our offices and equipment

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our website and services
• Deliver relevant content and advertisements

You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. For insurance-related records, we typically retain information for at least seven years after the termination of a policy, as required by insurance regulations.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any website you visit.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated policy will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes acceptance of the updated policy.

13. Contact Us

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