Privacy Policy

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

This Privacy Policy explains how HOA Insurance Agency LLC ("Company," "we," "us," "our") collects, uses, shares, and protects information when you visit www.protectmyhoa.com, contact us, request quotes, apply for insurance, or otherwise interact with us.

1. Scope

This policy covers information collected through:

  • Our website and online forms
  • Email, phone, SMS, and other communications
  • Insurance quoting, placement, and servicing activities

Applicants, insureds, and claimants may have additional privacy protections under applicable insurance and financial services laws.

2. Information We Collect

A. Information You Provide to Us

  • Contact details (name, address, email, phone)
  • Insurance and underwriting information (property details, HOA information, coverage needs, loss history)
  • Identifiers (date of birth, driver's license, Social Security number — only when required)
  • Billing and payment details
  • Communications (emails, chat messages, call recordings, voicemails)

B. Information Collected Automatically

  • Device and usage data (IP address, browser type, pages visited, clicks, timestamps)
  • Cookies, pixels, tags, and similar tracking technologies

C. Information from Third Parties

  • Insurance carriers, wholesalers, MGAs, and distribution partners
  • Data providers for identity verification and property data
  • Advertising and analytics partners
  • Public sources (e.g., property records)

3. How We Use Information

We use the information we collect to:

  • Provide quotes, place coverage, and service policies
  • Communicate with you about your insurance needs
  • Verify identity and prevent fraud
  • Improve our website and customer experience
  • Conduct analytics
  • Send marketing communications (where permitted)
  • Comply with legal and regulatory obligations

4. How We Share Information

We do not sell your personal information. We may share information as follows:

A. With Insurance and Service Partners

Insurance companies, underwriting partners, wholesalers, MGAs, service providers (CRM, email, hosting, analytics, support), and payment processors.

B. For Legal, Security, and Compliance

To comply with laws and regulations, protect rights and safety, and investigate fraud.

C. Business Transfers

If we are involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

5. Your Privacy Choices

  • Unsubscribe from marketing emails via the unsubscribe link or by contacting insurance@ProtectMyHOA.com
  • Opt out of text messages by replying STOP
  • Adjust cookie preferences through your browser settings

We currently do not respond to "Do Not Track" signals.

6. Cookies & Tracking Technologies

We use cookies and pixels for site functionality, security, fraud prevention, analytics, and marketing measurement. You can control cookies through your browser settings.

7. Sensitive Information

Insurance transactions may involve sensitive personal data. We collect such information only as needed to provide services, comply with regulations, and prevent fraud.

8. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no system can be guaranteed 100% secure.

9. Data Retention

We retain information as needed to provide services, maintain business records, comply with legal and regulatory requirements, and resolve disputes.

10. Children's Privacy

Our website is not intended for children under 13 (or under 16 in certain jurisdictions). We do not knowingly collect information from children.

11. State Privacy Rights (U.S.)

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

  • Access your personal information
  • Correct inaccuracies
  • Request deletion of certain data
  • Opt out of certain disclosures

How to submit a request:

  • Email: insurance@ProtectMyHOA.com
  • Mail: 420 Lakeside Ave, Suite 202, Marlborough, MA 01752

California Notice: California residents may have additional rights under the CCPA/CPRA. We do not sell personal information. We do not share personal information for cross-context behavioral advertising.

12. External Links

Our website may link to third-party sites. We are not responsible for their privacy practices.

13. Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with a new "Last Updated" date.

Questions? Contact us at insurance@ProtectMyHOA.com.