Privacy and Cookie Policy

Privacy Policy   

Last updated December 16, 2024.

This Privacy Policy describes the privacy practices of K2 Insurance Services LLC and all the affiliated companies whose websites link to this Privacy Policy (“K2”, “we”, “our”, “us”) and informs you how we collect, use, share, and protect the information we collect from or about you on all K2 entity websites, however accessed (the “Website” or “Service”), our Apps, and web applications. By accessing or using the Service, you are consenting to the collection, use and disclosure of your information in accordance with this Privacy Policy. If you do not consent to the same, please do not access or use the Service.

We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy on the Service. We therefore recommend that you periodically review this page.  

Information we collect and how we collect it  

We collect personal and other information about you. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you (“Personal Information”). Other, non-personal information does not and cannot reveal an individual’s identity such as information that has been de-identified or aggregated. The information we collect varies based on what products and services you have with us.  

We collect Personal Information about you in several ways from several sources. We collect Personal Information directly from you including when you sign up for services, buy a product, subscribe to a membership or mailing list, set up an account with us, enroll in a mobile app feature or during the quoting, registering, application, or claims handling processes. We and service providers working on our behalf collect Personal Information from you such as IP address, browsing history and other internet activity information when you use one of our websites, mobile apps, view our emails or otherwise engage with us through a computer or mobile device (“Sites”). We also collect Personal Information about you from third parties such as consumer reporting agencies, state agencies, such as departments of motor vehicles, service providers, marketing companies and data providers as well as individuals such as your spouse or your parent.  

We collect the following categories of Personal Information:

•  Identifiers (name, alias, postal address, email address, cell phone number, fax number, account name, Social Security number, driver’s license number, unique personal identifier, IP address)
• Protected Information (name with: Social security number, driver’s license or state ID number, passport number, financial account, medical, health, and health insurance information, user name and password)
• Sensitive Personal Information (Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).)
• Commercial information (transaction history, products/services purchased, obtained or considered, product preference)
• Usage Information (IP address, unique device ID, precise geographic location, browsing or search history, website interactions, advertisement interactions)
• Audio, video or similar information (any image or photograph submitted, customer service calls, security monitoring) -           

How we use your Personal Information   

We may use or disclose the Personal Information we collect for one or more of the following “Business Purpose(s):”

• To fulfill or meet the reason you provided the information, including providing insurance products, maintaining your account, service or make changes to your policy, handle a claim, complete a transaction, respond to customer service requests and other inquiries.
• To analyze, improve, develop or deliver our Website, products and services, develop new services or products, and to personalize your experience.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations; To send you promotional communications about products, services, features and options we believe may interest you via email, regular mail, phone calls, text messages or push notifications via mobile device or to serve you ads or customized content online.
• For any other purpose described to you when we collect your Personal Information; and  

We use sensitive Personal Information only as reasonably necessary to perform or maintain the services or provide goods you requested, to perform services on behalf of the business such as maintaining or servicing accounts, processing payments, to provide analytics services or similar services, to detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for those actions, to verify or maintain the quality or safety of service, improve, upgrade or enhance service, or other reasons that do not require an opt-out of this use.  

We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. We do not knowingly sell or share for cross-context behavioral advertising the personal information of consumers under the age of sixteen. Our website is not intended for children.  

How we share your information  

For purposes of this policy “Sell,” “Selling,” “Sale,” or “Sold,” means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, Personal Information to another business or a third party for monetary or other valuable consideration. We do not Sell your Personal Information. We may share your Personal Information with our affiliates for business purposes consistent with the uses described in this Privacy Policy. We may also share Personal Information about you with third parties whenever you consent to or direct such sharing. We strive to work with companies that share our commitment to privacy. We may also share information with others in an aggregated or de-identified form that does not reasonably identify you.

We may also share any of the categories of Personal Information described above with service providers and other third parties for business purposes or as required or permitted by law including with:

• Companies involved in insurance and other business transactions: We share your Personal Information with other companies that play a role in an insurance transaction with you such as independent claims adjusters, repair shops, and other claims related companies. We may also share your Personal Information to participate in insurance support organizations.
• Service providers: Personal Information may be shared with service providers who perform services on our behalf for a business purpose including service providers that:
• help complete transactions, handle a claim, service your policy or service your membership,
• engage in credit reporting or payment processing,
• provide marketing and advertising, email or other communication services,
• provide services that support our online activities including providing tracking technologies, web hosting and analytics,
• provide tax and accounting, legal services, delivery, and data enhancement services,
• provide technology services and enhance security, privacy and fraud protections,
• provide data analytics services or conduct research or actuarial studies, and
• provide support to our operations.
• Cross-context Behavioral Marketing: sharing your information with a third party so that they can use it to display targeted or cross-context behavioral advertisement to you. Cross-context behavioral or targeted advertising means that we display an advertisement to you that is selected based on Personal Information about you that we obtained or inferred over time from your activities across other companies’ websites, applications or online services that we use to predict your preferences or interests.  Targeted advertising does not include using your interactions with us or information that you provide to us to select advertisements to show you.
• Third parties in connection with a business transaction: Personal Information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all of our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or similar proceedings.
• Law enforcement, regulators and other parties for legal reasons: Personal Information may be disclosed to third parties, as required by law or subpoena, or if we reasonably believe such action is necessary to:
• comply with the law and the reasonable requests of regulators, law enforcement or other public authorities,
• protect our or others safety, rights or property, and
• investigate fraud or to protect the security or integrity of our Sites or any product or services.

When we disclose Personal Information for a Business Purpose, we enter into an agreement with the receiving party that describes the purpose for sharing the Personal Information, and that requires the receiving party to keep that Personal Information confidential and not use it for any purpose other than performing the services according to the agreement. 

Unless we update this Notice or notify you otherwise, we will not collect additional categories of Personal Information, nor use the Personal Information we collect for any other materially different, unrelated, or incompatible purposes.  

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.  

How long we keep your information  

We retain Personal Information in accordance with applicable laws or regulatory requirements and also for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.  

Cookie Policy  

This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to manage the cookie settings.  

What are cookies?

Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement.  

How do we use cookies?

As most of the online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.  

The third-party cookies used on our website are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website.  

Cookie Settings

You can change your cookie preferences any time by clicking the above button. This will let you revisit the cookie consent banner and change your preferences or withdraw your consent right away.  

In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. Listed below are the links to the support documents on how to manage and delete cookies from the major web browsers.

• Chrome: https://support.google.com/accounts/answer/32050
• Safari: https://support.apple.com/en-in/guide/safari/sfri11471/mac
• Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox?redirectslug=delete-cookies-remove-info-websites-stored&redirectlocale=en-US
• Internet Explorer: https://support.microsoft.com/en-us/topic/how-to-delete-cookie-files-in-internet-explorer-bca9446f-d873-78de-77ba-d42645fa52fc  

If you are using any other web browser, please visit your browser’s official support documents.  

Privacy rights and choices  

Various federal and state laws provide privacy rights to consumers including the right to know, access, delete, or correct Personal Information, the right to opt-out of sharing of Personal Information with affiliates for marketing or the right to opt-out of receiving email marketing. These rights differ by state and also by the type of products and services you have with us. You may request information about our collection, use, disclosure and Sale of your Personal Information over the past twelve (12) months, whether or not it was collected electronically. If you validate information that allows us to reasonably verify your identity (“Verifiable Request”), that you are the person about whom we collected Personal Information. We may request that you submit a signed statement under penalty of perjury that you are the individual you claim to be. Upon receipt of a Verifiable Request, we will disclose: ‍

(a) the categories of Personal Information we have collected about you; the categories of sources from which your Personal Information was collected; our business or commercial purpose for collecting or Selling your Personal Information; the categories of third parties with whom we share that Personal Information; and the specific pieces of Personal Information we collected about you; and 

(b) if we Sold or disclosed your Personal Information for a Business Purpose: what categories of Personal Information we Sold, and to which categories of recipients we Sold it to; and what categories of Personal Information we disclosed for a Business Purpose, and to which categories of recipients we disclosed it to.  

Request to delete

You also have the right to request that we delete any of your Personal Information that we collect or maintain by submitting a Verifiable Request. We may deny your deletion request if retaining your Personal Information is necessary for us or our service providers to:

• Complete the transaction for which we collected your Personal Information, provide goods or services that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
• Debug products to identify and repair errors that impair existing intended functionality;
• Comply with the laws or regulations in your or our state of residence;
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

You may submit a Verifiable Request for the information listed above, or exercise any of your rights enumerated under this Notice, by emailing us at privacy@k2ins.com, or calling toll free at (866) 662-5752. You may also submit a Verifiable Request on behalf of your minor child.

After we receive your Verifiable Request, we will provide to you, in writing and free of charge (unless your request is excessive, repetitive, or manifestly unfounded), the requested information for the 12-month period preceding your request. You may choose to have this information delivered to you by postal mail, electronically, or through your account. We will try to respond to your verified request within forty-five (45) days of receipt, but if we require more time (up to another forty-five (45) days) we will inform you of the reason and extension period in writing. Please note that we are not required to comply with your request for information more than twice each year. If applicable, our response will explain the reasons why we cannot comply with your request.

We do not and will not, without first obtaining your consent, Sell Personal Information.  

We will not discriminate against you if you choose to exercise any of the rights enumerated under this Notice. Unless authorized by law we will not:

• Deny you goods or services;
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
• Provide you a different level or quality of goods or services; or
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.  

However, please be aware that it may be a functional necessity for our Services to have Personal Information about you in order to operate, and we may not be able to provide some or all of our Services to you if you direct us to delete your Personal Information.