Privacy Policy
Thornton Insurance Solutions
Thornton Insurance Solutions (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect through our website, how we use and share it, and the choices and rights available to you. It applies to visitors of our website and to individuals who request insurance quotes, apply for coverage, or otherwise do business with us. We are licensed to sell insurance and conduct business with residents of North Carolina (our home state), South Carolina, Virginia, Texas, and Michigan. Because we handle nonpublic personal financial information as an insurance producer, this Policy also serves as the privacy notice required under the federal Gramm-Leach-Bliley Act (GLBA) and the insurance privacy regulations adopted by our state insurance departments
1. Information We Collect
1.1 Information You Provide to Us
When you use our website — for example, by submitting a contact form, requesting an insurance quote, or starting an application — we may collect:
• Contact information: name, mailing address, email address, phone number
• Quote and application details: date of birth, driver's license number, vehicle information (VIN, make/model/year), property information (address, year built, construction details), prior insurance history, and coverage preferences
• For certain lines of coverage, more sensitive information such as Social Security number, health history, or beneficiary information, only where necessary to prepare a quote or process an application
• Billing and payment information, if you make a payment through our website
• Any other information you choose to include in a message to us
1.2 Information Collected Automatically
Like most websites, ours (built and hosted on the Wix platform) automatically collects certain technical information when you visit, including your IP address, browser type, device type, operating system, referring/exit pages, and the pages you view and actions you take on the site. We and Wix use cookies and similar tracking technologies to collect this informatio
1.3 Information We Receive From Other Sources
In connection with preparing quotes, underwriting, or servicing your policy, we may receive information about you from insurance carriers, motor vehicle records, claims history databases (such as CLUE reports), credit reporting agencies, and other insurance industry sources, consistent with applicable law.
2. How We Use Your Information
We use the information we collect to:
• Prepare and provide insurance quotes and process applications
• Service and administer policies, including renewals, endorsements, and claims
• Communicate with you about your account, requests, or coverage
• Operate, maintain, and improve our website
• Send marketing communications, where permitted, and you may opt out at any time
• Comply with legal, regulatory, and insurance industry obligations
• Detect, investigate, and prevent fraud or other prohibited activity
3. Cookies and Tracking Technologies
Our website uses cookies and similar technologies (including those placed by Wix.com and its integrated tools, such as analytics and site functionality services) to operate the site, remember your preferences, and understand how visitors use our site. You can control cookies through your browser settings; disabling cookies may limit some site functionality. For more information about the cookies used on Wix-hosted sites, you may also refer to Wix's own cookie and privacy policies.
4. How We Share Your Information
We do not sell your personal information. We may share your information with:
• Insurance carriers and underwriters, to obtain quotes and bind or service coverage
• Service providers who support our operations (e.g., website hosting through Wix, email delivery, payment processing), under obligations to protect your information
• Reinsurers, claims adjusters, and other parties involved in servicing a policy or claim
• Regulators, law enforcement, or other parties when required by law or to protect our legal rights
• A successor entity in connection with a merger, acquisition, or sale of business assets We do not disclose your nonpublic personal information to nonaffiliated third parties for their own marketing purposes except as permitted or required by law.
5. Our GLBA Privacy Notice (Nonpublic Personal Information)
As a licensed insurance producer, we are required by the Gramm-Leach-Bliley Act and the privacy of consumer financial and health information regulations adopted in the states where we do business to tell you how we collect, use, and protect your nonpublic personal financial information (“NPI”). This section, together with Sections 1, 2, and 4 above, constitutes that notice.
• Categories of NPI we collect: information from applications and forms (e.g., name, address, date of birth, Social Security number, income), information about your transactions with us or others (e.g., policy and claims history), and information from consumer reporting agencies (e.g., credit or motor vehicle reports).
• Categories of NPI we disclose and to whom: as described in Section 4, we disclose information as necessary to carriers and service providers to service your insurance needs, and as otherwise permitted by law. We do not disclose NPI to nonaffiliated third parties for marketing purposes.
• Your right to opt out: where we intend to share NPI in a manner not permitted by law without consent, you will be given the opportunity to opt out before such sharing occurs.
• Confidentiality and security: we restrict access to NPI to employees and service providers who need it to do their jobs, and we maintain physical, electronic, and procedural safeguards to protect it. We will provide this notice to new customers at the start of our relationship and, for as long as required by applicable law, make it available to existing customers on an ongoing basis, including through this website
6. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. Our website is hosted on Wix, which maintains its own security measures for the underlying platform. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, service your policy or relationship with us, and comply with legal, regulatory, tax, and insurance recordkeeping requirements, after which it is securely deleted or de-identified.
8. Your Privacy Rights and Choices
8.1 All Visitors and Customers
• You may opt out of marketing emails at any time by using the unsubscribe link or contacting us directly
• You may ask us to correct inaccurate contact or application information
• You may opt out of certain sharing of your nonpublic personal information as described in Section 5
8.2 Virginia Residents
If you are a Virginia resident, the Virginia Consumer Data Protection Act (VCDPA) gives you the right to confirm whether we process your personal data, access it, correct inaccuracies, request deletion, obtain a portable copy, and opt out of processing for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects. Note that information covered by GLBA and related insurance privacy laws (Section 5) is generally exempt from the VCDPA
8.3 Texas Residents
If you are a Texas resident, the Texas Data Privacy and Security Act (TDPSA) provides similar rights to access, correct, delete, and obtain a copy of your personal data, and to opt out of targeted advertising, sale, or certain profiling. As with Virginia, data subject to GLBA and Texas insurance privacy regulations is generally exempt.
8.4 North Carolina, South Carolina, and Michigan Residents
North Carolina, South Carolina, and Michigan do not currently have comprehensive consumer privacy laws in effect. As an insurance producer, we nonetheless extend the GLBA-based protections described in Section 5 to all customers regardless of state, and we will honor reasonable requests to access, correct, or limit the use of your information.
8.5 Exercising Your Rights
To exercise any of the rights described above, contact us using the information in Section 12. We may need to verify your identity before responding, and we will respond within the time frame required by applicable law.
9. Children's Privacy
Our website is not directed to children under 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it
10. Third-Party Links
Our website may contain links to third-party websites, including insurance carrier portals. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies before providing any personal information.
11. Do Not Track Signals
Some browsers offer a “Do Not Track” signal. Because there is no common industry standard for responding to these signals, our website does not currently respond to them.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the revised Policy on this website with an updated effective date. Your continued use of our website after any changes constitutes acceptance of the updated Policy.
13. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Thornton Insurance Solutions
Email: tanya@tanyathornton.com