Privacy Policy

Introduction

At MJSins, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our insurance services.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

We collect several types of information to provide and improve our services to you:

Personal Information

• Full name, date of birth, and contact details including email address and phone number
• Mailing address and residential information
• Social Security number or other government-issued identification
• Financial information necessary for policy quotes and premium payments
• Health information relevant to insurance applications and claims
• Driving records and vehicle information for auto insurance
• Property details for home insurance coverage

Automatically Collected Information

• IP address, browser type, and device information
• Usage data including pages visited and time spent on our website
• Location data when permitted by your device settings
• Cookies and similar tracking technologies

How We Use Your Information

MJSins uses the collected information for various purposes including:

• Processing insurance applications and providing policy quotes
• Administering policies, processing claims, and managing coverage
• Communicating with you about your policies, renewals, and account updates
• Complying with legal and regulatory requirements
• Preventing fraud and protecting against unauthorized transactions
• Improving our website functionality and user experience
• Sending promotional materials and marketing communications with your consent
• Analyzing trends and conducting research to enhance our services

Information Sharing and Disclosure

We may share your information in the following circumstances:

Insurance Carriers and Underwriters

We share necessary information with insurance companies to obtain quotes, bind coverage, and process claims on your behalf.

Service Providers

We engage trusted third-party vendors to assist with business operations including payment processing, data analysis, email delivery, and customer support services.

Legal Requirements

We disclose information when required by law, legal process, or government request, or when we believe disclosure is necessary to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Note: All third parties with whom we share information are contractually required to maintain the confidentiality and security of your data.

Data Security

We implement robust security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data during transmission using SSL/TLS technology
• Secure servers with firewall protection and intrusion detection systems
• Regular security audits and vulnerability assessments
• Restricted access to personal information on a need-to-know basis
• Employee training on data privacy and security best practices

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but continuously work to maintain industry-standard protections.

Your Privacy Rights

You have certain rights regarding your personal information:

• Right to access the personal information we hold about you
• Right to request correction of inaccurate or incomplete information
• Right to request deletion of your personal data, subject to legal retention requirements
• Right to object to or restrict certain processing of your information
• Right to withdraw consent for marketing communications at any time
• Right to receive a copy of your data in a portable format

To exercise these rights, please contact us using the information provided in the Contact Us section below. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us understand how you use our site.

Types of Cookies We Use

• Essential cookies necessary for website functionality
• Performance cookies to analyze site usage and improve performance
• Functional cookies to remember your preferences and settings
• Marketing cookies to deliver relevant advertisements

You can control cookie preferences through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website.

Changes to This Privacy Policy

MJSins reserves the right to update this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website with a revised effective date.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any modifications indicates your acceptance of the updated policy.