Privacy Policy
Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.
Effective Date:
08/01/2025
Last Updated:
08/01/2025
1. Introduction
At Collective Underwriters, Inc. ("we," "us," or "our"), your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your personal information in connection with the administration of the Service Contract Reimbursement Insurance Policy, including coverage for bed bug infestations and related property concerns.
2. Information We Collect
Personal Identifiers:
Name, mailing address, email address, phone number, policy number
Policy Information:
Coverage terms, liability limits, policy period, premium details, contract status
Payment Information:
Banking or credit card details (used for payments or refunds)
Communications:
Records of email, phone calls, and other communications
Claims & Service Data:
Details provided during claims or service requests
3. How We Use Your Information
- Issue and manage insurance policies and service contracts
- Process payments, refunds, and cancellations
- Communicate about your policy or claims
- Respond to inquiries and service requests
- Comply with legal or contractual obligations
4. How We Share Information
We do not sell your personal information. We may share your data with:
Insurance Underwriters:
such as Mt. Hawley Insurance Company
Third-Party Service Providers:
IT vendors, payment processors, pest control contractors
Regulatory or Legal Authorities:
When required by law
Licensed Agents or Brokers:
For policy servicing
5. Data Retention
We retain your information only as long as necessary to fulfill the purposes outlined in this policy or to meet legal and regulatory obligations.
6. Security Measures
We use reasonable safeguards to protect your personal information from unauthorized access, loss, or misuse.
7. Your Rights and Choices
Depending on your jurisdiction, you may have rights to:
- Access and request a copy of your personal data
- Correct any inaccurate or incomplete information
- Request deletion of personal data (subject to legal requirements)
- Withdraw consent for specific data uses
To exercise these rights, contact us using the information below.
8. Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from children.
9. Changes to This Policy
We may update this Privacy Policy periodically. Revisions will be posted with a new "Last Updated" date. Significant changes will be communicated as required by law.