Privacy Policy

Effective Date: 04/22/2025

Arbor Krest Insurance Company (“Arbor Krest,” “we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with us through our website, mobile applications, or in the course of obtaining or using our insurance products and services.

1. Information We Collect

We may collect the following categories of personal information:

A. Information You Provide to Us:

• Name, address, phone number, email address

• Date of birth, Social Security number, driver’s license number

• Insurance coverage details

• Payment and banking information

• Health or medical information (when required for underwriting or claims)

B. Information We Collect Automatically:

• IP address, browser type, and device information

• Cookies and tracking data for website usage

C. Information from Third Parties:

• Consumer reporting agencies

• Medical providers (with authorization)

• Government agencies

• Marketing or data analytics services

2. How We Use Your Information

Arbor Krest uses your information to:

• Provide, underwrite, and manage your insurance policies

• Process payments and claims

• Communicate with you about your policy or services

• Comply with legal obligations and regulatory requirements

• Improve our products, services, and digital experience

• Prevent fraud and secure our systems

3. How We Share Your Information

We may share your information with:

• Affiliates and subsidiaries within the Arbor Krest family of companies

• Third-party service providers assisting in underwriting, claims, payment processing, or marketing

• Regulatory bodies and law enforcement, where required

• Reinsurers and agents or brokers working on your behalf

We do not sell your personal information to third parties.

4. Data Security

We implement physical, technical, and administrative safeguards to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, access controls, and secure storage systems.

5. Your Privacy Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we have collected about you

• Request correction or deletion of your data

• Opt out of certain information-sharing practices

To exercise these rights, please contact us using the information below.

6. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your user experience, analyze site traffic, and serve relevant ads. You can manage cookie settings through your browser preferences.

7. Children’s Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children without appropriate parental consent.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website with the updated effective date. We encourage you to review this policy regularly.