Privacy Policy — BindFlow

1. Introduction

BindFlow ("Agency," "we," "us," or "our") is a licensed insurance agency operating in the State of Ohio. We are committed to protecting the privacy and security of the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our services.

By using our website or services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.

2. Information We Collect

Information You Provide

Contact Information: Full name, mailing address, email address, telephone number(s)
Identification: Date of birth, Social Security Number (for applications requiring underwriting), driver's license number
Health Information: Medical history, prescription history, height, weight, tobacco/alcohol/drug use (collected only as required for health, life, and disability underwriting)
Financial Information: Income, employment status, banking details (where applicable for premium payments)
Vehicle Information: Make, model, year, VIN, driving record (for auto insurance)
Property Information: Property address, type, construction details, occupancy status (for home insurance)

Information Collected Automatically

When you visit our website we automatically collect IP address, browser type, pages visited, and device identifiers.

Information from Third Parties

We may receive information from insurance carriers, consumer reporting agencies, the Medical Information Bureau (MIB), motor vehicle record providers, and public records.

3. How We Use Your Information

To obtain insurance quotes and present coverage options
To submit applications to insurance carriers on your behalf
To service your policies, including renewals, endorsements, and cancellations
To process claims referrals and communicate policy changes
To comply with Ohio Department of Insurance regulations, GLBA, HIPAA (where applicable), and other federal and state laws
To respond to your inquiries and send service-related communications
To operate and improve our website

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

Insurance Carriers and Underwriters — to obtain quotes, submit applications, and service your coverage
Service Providers — vendors who assist with technology, data storage, and communications, bound by contractual data protection obligations
Legal and Regulatory Authorities — when required by law, court order, or regulatory directive
Business Transfers — in the event of a merger, acquisition, or sale of assets, subject to equivalent privacy protections
With Your Consent — with other parties with your explicit consent

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards including SSL/TLS encryption, encrypted storage of sensitive data, role-based access controls, and regular security assessments. No method of electronic transmission is 100% secure.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy and to comply with Ohio insurance record retention requirements (generally five to seven years following policy expiration or termination).

7. Your Rights and Choices

Access and Correction: You may request access to the personal information we maintain and ask us to correct inaccuracies.
Opt-Out of Marketing: You may opt out of marketing communications at any time by clicking "unsubscribe" in any email or texting STOP to any SMS.
California Residents: You may have additional rights under CCPA, including the right to know, delete, and opt out of sale of personal information.

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 minors.

9. Cookies

Our website uses cookies and similar tracking technologies to enhance your experience. You may control cookie settings through your browser. Disabling cookies may affect certain website functionality.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated Policy on our website with a revised effective date. Continued use of our website following notice of changes constitutes your acceptance of the updated Policy.

11. Contact Us

For questions or to exercise your privacy rights, contact us at:

BindFlow

Attn: Privacy Officer

Ohio, United States

Email: ianneumann@bindflowsoftware.com

Phone: (216) 744-7879