To arrange for insurance coverage and provide customer service related to insurance coverage, we and other participants in the insurance industry must collect and share personal information of potential and actual customers.
This policy describes the types of information we may collect from you through our products, services, or our website, www.bouchardinsurance.com, and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy does not apply to information held by insurance companies that issue your insurance policy or to information collected or held by any third party, including through any application or content that may be linked to or accessible from our products, services, or our website. This policy also does not apply to information not related to an individual, such as corporate or other business entity information.
1. Data Protection Officer
Bouchard is headquartered in Florida, in the United States. Bouchard has appointed an internal data protection officer for you to contact if you have any questions or concerns about Bouchard’s personal data policies or practices. The data protection officer’s contact information is as follows:
101 N. Starcrest Drive
Clearwater, Florida 33765
2. Personal Information We Collect
We collect and process the following personal information:
Individual details, including information we receive from you or on your behalf on applications or in other forms when seeking or inquiring about our services, including name, date of birth, address, email address, telephone number, social security number, driver’s license number, health information, and health insurance information.
Financial information, including payment card or bank account numbers and other financial information collected to process payment.
Credit and anti-fraud data, including credit history and credit score, information concerning fraud convictions, alleged crimes, or other details from anti-fraud databases, regulators, or law enforcement.
Insurance risk information, including health data, criminal records data, and other special demographic information relevant to determine the risk to be insured.
Policy information, including information about quotes and insurance policies individuals receive and about previous and current claims made by individuals.
Website cookies, as more fully described below (see Information We Collect Through Your Use of This Website).
3. Information We Collect Through Your Use of This Website
Cookies are pieces of data a website transfers to a user’s hard drive for record-keeping purposes.
4. Data Storage and Retention
Your personal data is stored by Bouchard on its servers and on the servers of the cloud-based database management services Bouchard engages in the United States. Bouchard retains data for the duration of the customer’s business relationship with Bouchard or for as long as required or permitted by law. For more information on where and how long your personal data is stored, and for more information on your rights of erasure and portability, please contact Bouchard’s data protection officer identified above.
5. How We Use Information We Collect
We use information we collect from or about you, including your personal information:
To obtain and provide you with information about potential products and services you have requested or asked about;
To perform Bouchard’s contractual obligations;
To service your insurance policy and account with us;
To process and fulfill orders;
To create and monitor accounts;
To process your registration for one of our webinars or seminars;
To conduct market research projects;
To analyze how our products and services are used;
To personalize content;
To plan and forecast;
To comply with legal or regulatory obligations;
To prevent fraud;
To pursue or defend any legal claims involving your information;
To monitor website traffic, personalize our website, and improve our website;
To fulfill other purposes with your express consent.
6. Third Parties to Whom We May Share Personal Information
Bouchard does not sell your personal information. Bouchard does not disclose your personal information except as described in this policy or when you expressly consent. We may disclose your personal information:
To our service providers and suppliers who are authorized to process your personal information only as necessary to provide services to us. For example, we use a third-party payment processor to process your payments to Bouchard, and we use third-party service providers to collect your information when you register for one of our seminars or webinars or when you ask for an insurance quote on our website.
To other third parties for purposes you have allowed by giving us your prior express consent or to fulfill the purpose for which you provided us the information. For example, if you wish to purchase an insurance policy, we will provide your personal information to the insurance company that may issue the policy.
To enforce or perform an applicable agreement or contract, including for billing and collection purposes.
To comply with any court order, law, subpoena, or legal process, including to respond to any government or regulatory request or civil investigative demand.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Bouchard’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Bouchard is among the assets transferred.
If we believe disclosure is necessary or appropriate to protect the rights, property, safety, or life of our customers, employees, or other individuals or of Bouchard. This includes exchanging information with other companies and organizations for purposes of fraud protection and credit risk reduction.
7. Automated Quote Platform
Insurance market participants use modeling algorithms and techniques to assess risk and determine whether to provide insurance coverage and the cost and terms of the coverage. These algorithms and techniques may be automated and based on the personal information you submit when shopping for insurance. You may submit your personal information to obtain a quote for an insurance product. When you submit that information to us or through a link on our website, the information goes to one of our service providers, which then matches the information you submitted to the insurers’ coverage criteria to generate a quote. By submitting your information in this way, you consent to the automated use of your information to generate a quote for potential insurance coverage.
8. Notice and Choice
You can decide whether to provide your personal information to us. If you choose not to provide personal information, you may not be able to take advantage of certain products, services, events, and website features that depend on accurate personal information.
Before we use personal information for a purpose not originally authorized by you, we will provide information regarding the new purpose and ask for your consent to your personal information for the new purpose. Please note your communication preferences do not affect transactional, relationship, and legally required communications.
Bouchard uses administrative, technical, and physical safeguards to protect the security, confidentiality, and integrity of personal information against loss, misuse, and unauthorized access, disclosure, alteration, and destruction. We use standard security protocols and mechanisms, such as secure socket layer (SSL) encryption, to transmit sensitive data, such as credit card details.
No method of transmission over the internet, or method of electronic storage, is 100% secure. We cannot guarantee the absolute security of your personal information or other information provided to us about you.
You can assist in protecting your personal information by keeping your password and login information secret and making sure you terminate user sessions, close the browser, and log out when you access our services from shared computers.
If you have any questions about the security of your personal information, you may contact our data protection officer identified above.
10. Your Rights with Respect to Personal Information on File
You may ask us for information about the purpose of the processing; the categories of personal data concerned; who else outside Bouchard might have received the data from Bouchard; what the source of the information was, if you didn’t provide it directly to Bouchard; and how long it will be stored.
You have a right to access and correct (rectify) the record of your personal data maintained by Bouchard if it is inaccurate. You may ask us to erase data or cease or restrict the processing it, subject to certain exceptions and requirements. You may have the right to object to processing your data and the right to data portability. You may have the right to withdraw your consent to our use or processing of your personal data, subject to certain exceptions, such as if the processing is necessary to perform a contract with you. You may also ask us not to use your data for direct marketing purposes. In many countries, you have a right to lodge a complaint with the appropriate supervisory authority if you have concerns about how we processes your personal data. When technically feasible and at your request, we will provide your personal data to you or transmit it directly to another controller.
Reasonable access to your personal data will be provided at no cost to Bouchard customers and others upon request made by you or on your behalf to Bouchard’s data protection officer identified above. If access cannot be provided within a reasonable time, Bouchard will provide a date when the information will be provided. If for some reason access is denied, Bouchard will explain why access was denied, if permitted by law.
11. Children Under 16 Years of the Age
Our website is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide information about yourself on this website or on or through any of its features, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have information from or about a child under 16, please contact our data protection officer identified above.
12. Transferring Personal Data from the EU to the US
13. Insurance Providers
15. Your California Privacy Rights and Do-Not-Track Disclosure
California law permits users who are California residents to request and obtain from us once a year, free of charge, the names and addresses of any third parties to whom we have disclosed their “personal information” (if any, and as defined under applicable California law) for their direct marketing purposes in the prior calendar year, as well as a list of the categories of personal information disclosed to those parties. If you are a California resident and would like to request this information, please submit your request in an email to our data protection officer identified above.
We keep a record of third-party websites accessed when a user is on our website and clicks on a hyperlink. But we do not track users to subsequent websites and do not serve targeted advertising to them. We do not, therefore, respond to Do Not Track (DNT) signals.