Privacy Policy

Enduron Insurance, LLC operates this website, including all related information, content, features, tools, and services, in order to provide you with insurance-related information, consultations, and services (the "Services"). This website is powered by Shopify. This Privacy Policy describes how we collect, use, and disclose your personal information when you visit or use our website, request a consultation or quote, submit an inquiry, or otherwise communicate with us. If there is a conflict between our Terms of Service and this Privacy Policy, this Privacy Policy controls with respect to the collection, processing, and disclosure of your personal information.

Please read this Privacy Policy carefully. By using and accessing any of the Services, you acknowledge that you have read this Privacy Policy and understand the collection, use, and disclosure of your information as described in this Privacy Policy.

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Personal Information We Collect or Process

When we use the term "personal information," we are referring to information that identifies or can reasonably be linked to you or another person. Personal information does not include information that is collected anonymously or that has been de-identified, so that it cannot identify or be reasonably linked to you. We may collect or process the following categories of personal information, including inferences drawn from this personal information, depending on how you interact with the Services, where you live, and as permitted or required by applicable law:

• Contact details including your name, address, phone number, and email address.
• Insurance-related information including details you provide when requesting a quote or consultation, such as your age, date of birth, health status, employment information, coverage needs, existing insurance policies, beneficiary information, and other details relevant to evaluating or recommending insurance products.
• Financial information including payment details, billing address, and transaction records related to any fees or services.
• Account information including your username, password, security questions, preferences, and settings, if you create an account on our website.
• Communications with us including the information you include in contact form submissions, emails, phone calls, and other correspondence, for example, when sending a consultation request or customer support inquiry.
• Device information including information about your device, browser, or network connection, your IP address, and other unique identifiers.
• Usage information including information regarding your interaction with the Services, including how and when you interact with or navigate our website.

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Personal Information Sources

We may collect personal information from the following sources:

• Directly from you including when you request a quote, submit a contact form, schedule a consultation, communicate with us by phone or email, or otherwise provide us with your personal information.
• Automatically through the Services including from your device when you visit our website, and through the use of cookies and similar technologies.
• From our service providers including when we engage them to enable certain technology and when they collect or process your personal information on our behalf.
• From insurance carriers and partners including when we work with insurance carriers, underwriters, referral sources, or other industry partners and third parties in connection with the Services we provide to you.

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How We Use Your Personal Information

Depending on how you interact with us or which of the Services you use, we may use personal information for the following purposes:

• Provide, Tailor, and Improve the Services. We use your personal information to provide you with the Services, including to respond to your inquiries, process consultation requests, prepare and present insurance quotes, facilitate insurance applications, assist with policy enrollment and servicing, and to create a personalized experience for you. This may include using your personal information to better understand your insurance needs and improve the Services we offer.
• Marketing and Advertising. We use your personal information for marketing and promotional purposes, such as to send marketing, advertising, and promotional communications by email, text message, or postal mail, and to show you relevant content on our website or other platforms. This may include information about insurance products, services, or educational resources that may be of interest to you.
• Security and Fraud Prevention. We use your personal information to detect, investigate, or take action regarding possible fraudulent, illegal, unsafe, or malicious activity, to protect public safety, and to secure our Services. If you choose to register an account, you are responsible for keeping your account credentials safe.
• Communicating with You. We use your personal information to provide you with support, to be responsive to your inquiries, to send you important information regarding your consultations or policy-related matters, and to maintain our business relationship with you.
• Legal and Regulatory Compliance. We use your personal information to comply with applicable laws and regulations, including those governing insurance practices, to respond to valid legal process, including requests from law enforcement or government agencies, to investigate or participate in civil discovery, potential or actual litigation, or other adversarial legal proceedings, and to enforce or investigate potential violations of our terms or policies.

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How We Disclose Personal Information

In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:

• With Shopify, vendors, and other third parties who perform services on our behalf (e.g., IT management, website hosting, data analytics, customer support, and cloud storage).
• With insurance carriers, underwriters, and industry partners as necessary to obtain quotes, process applications, facilitate policy enrollment, or service your insurance needs. These partners will handle your information in accordance with their own privacy notices and applicable regulations.
• With business and marketing partners to provide marketing services and present relevant insurance information to you. Our business and marketing partners will use your information in accordance with their own privacy notices. Depending on where you reside, you may have a right to direct us not to share information about you for targeted advertising purposes.
• When you direct, request, or otherwise consent to our disclosure of certain information to third parties.
• With our affiliates or otherwise within our corporate group.
• In connection with a business transaction such as a merger or bankruptcy, to comply with any applicable legal obligations (including to respond to subpoenas, search warrants, and similar requests), to enforce any applicable terms of service or policies, and to protect or defend the Services, our rights, and the rights of our clients or others.

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Relationship with Shopify

Our website is hosted by Shopify, which collects and processes personal information about your access to and use of the website in order to provide and improve the platform. Information you submit through our website will be transmitted to and shared with Shopify as well as third parties that may be located in countries other than where you reside. In addition, to help protect, grow, and improve our business, we use certain Shopify enhanced features that incorporate data and information obtained from your interactions with our website. To provide these enhanced features, Shopify may make use of personal information collected about your interactions with our website and with Shopify. In these circumstances, Shopify is responsible for the processing of your personal information, including for responding to your requests to exercise your rights over use of your personal information for these purposes. To learn more about how Shopify uses your personal information and any rights you may have, you can visit the Shopify Consumer Privacy Policy.

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Third Party Websites and Links

Our website may provide links to websites or other online platforms operated by third parties, including insurance carriers, government agencies, or other resources. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies and other terms and conditions. We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on our website.

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Children's Data

The Services are not intended to be used by children, and we do not knowingly collect any personal information about children under the age of majority in your jurisdiction. If you are the parent or guardian of a child who has provided us with their personal information, you may contact us using the contact details set out below to request that it be deleted. As of the Effective Date of this Privacy Policy, we do not have actual knowledge that we "share" or "sell" (as those terms are defined in applicable law) personal information of individuals under 16 years of age.

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Security and Retention of Your Information

Please be aware that no security measures are perfect or impenetrable, and we cannot guarantee "perfect security." We take reasonable measures to protect the personal information you provide to us, particularly any sensitive insurance-related information. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.

How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide you with Services, comply with legal and regulatory obligations, resolve disputes, or enforce other applicable contracts and policies.

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Your Rights and Choices

Depending on where you live, you may have some or all of the rights listed below in relation to your personal information. However, these rights are not absolute, may apply only in certain circumstances, and in certain cases, we may decline your request as permitted by law.

• Right to Access / Know. You may have a right to request access to personal information that we hold about you.
• Right to Delete. You may have a right to request that we delete personal information we maintain about you.
• Right to Correct. You may have a right to request that we correct inaccurate personal information we maintain about you.
• Right of Portability. You may have a right to receive a copy of the personal information we hold about you and to request that we transfer it to a third party, in certain circumstances and with certain exceptions.
• Right to Opt out of Sale or Sharing for Targeted Advertising. Depending on where you reside, you may have a right to opt out of the "sale" or "share" of your personal information or to opt out of the processing of your personal information for purposes considered to be "targeted advertising", as defined in applicable privacy laws. Please note that if you visit our website with the Global Privacy Control opt-out preference signal enabled, depending on where you are, we will automatically treat this as a request to opt out for the device and browser that you use to visit the website. To learn more about Global Privacy Control, you can visit globalprivacycontrol.org. Other than the Global Privacy Control, we do not recognize other "Do Not Track" signals that may be sent from your web browser or device.
• Managing Communication Preferences. We may send you promotional emails, and you may opt out of receiving these at any time by using the unsubscribe option displayed in our emails to you. If you opt out, we may still send you non-promotional emails, such as those about your consultations, policy information, or other service-related matters.

You may exercise any of these rights where indicated on our website or by contacting us using the contact details provided below. To learn more about how Shopify uses your personal information and any rights you may have, including rights related to data processed by Shopify, you can visit privacy.shopify.com.

We will not discriminate against you for exercising any of these rights. We may need to verify your identity before we can process your requests, as permitted or required under applicable law. In accordance with applicable laws, you may designate an authorized agent to make requests on your behalf to exercise your rights. Before accepting such a request from an agent, we will require that the agent provide proof you have authorized them to act on your behalf, and we may need you to verify your identity directly with us. We will respond to your request in a timely manner as required under applicable law.

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Complaints

If you have complaints about how we process your personal information, please contact us using the contact details provided below. Depending on where you live, you may have the right to appeal our decision by contacting us using the contact details set out below, or lodge your complaint with your local data protection authority.

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International Transfers

Please note that we may transfer, store, and process your personal information outside the country you live in. If we transfer your personal information out of the European Economic Area or the United Kingdom, we will rely on recognized transfer mechanisms like the European Commission's Standard Contractual Clauses, or any equivalent contracts issued by the relevant competent authority of the UK, as relevant, unless the data transfer is to a country that has been determined to provide an adequate level of protection.

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Changes to This Privacy Policy

We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on this website, update the "Last updated" date, and provide notice as required by applicable law.

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