Rodney Insurance ("we," "us," or "our") is committed to protecting the privacy of visitors to our website and individuals who interact with our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our AI chatbot, submit forms, or otherwise interact with us.

Rodney Insurance is a licensed independent insurance broker operating in the State of New York under the regulatory authority of the New York State Department of Financial Services (NYDFS).

1. Information We Collect

Information You Provide Directly

When you request a quote, use our chatbot, submit a contact form, or otherwise interact with our services, we may collect:

•       Full name, email address, phone number, and mailing address

•       Date of birth, driver’s license number, and vehicle information (for auto insurance quotes)

•       Business name, industry type, employee count, and revenue information (for commercial insurance quotes)

•       Property details including address, square footage, and construction type (for homeowners insurance)

•       Any other information you voluntarily provide through our website, chatbot, forms, or communications

Information Collected Automatically

When you visit our website, we may automatically collect:

•       IP address, browser type, operating system, and device information

•       Pages visited, time spent on pages, referring URLs, and click behavior

•       Cookie and tracking pixel data (see Section 5 below)

•       Chatbot conversation logs and interaction data

Information from Third Parties

•       Advertising platforms (Facebook/Meta) may provide us with information about how you interact with our ads

•       Insurance carriers may share information relevant to your policy or application

2. How We Use Your Information

We use collected information for the following purposes:

•       To provide insurance quotes and process applications

•       To respond to your inquiries via chatbot, email, phone, or SMS

•       To send you relevant insurance information, renewal reminders, and marketing communications

•       To manage and optimize our advertising campaigns

•       To improve our website, services, and customer experience

•       To comply with legal and regulatory obligations, including those of the NYDFS

•       To detect and prevent fraud

3. AI Chatbot Disclosure

Our website uses an AI-powered chatbot to assist visitors with insurance inquiries, provide general information, and collect contact details for follow-up by a licensed agent.

Important: The chatbot is not a licensed insurance agent and does not provide insurance advice, bind coverage, or make coverage determinations. All insurance-related decisions are made by our licensed agents. Chatbot conversations are recorded, stored, and may be reviewed by our team to improve service quality.

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 process applications on your behalf

•       Service providers who assist with our website operations, marketing, and customer communications (including our CRM platform provider)

•       Advertising platforms (such as Meta/Facebook) for targeted advertising and campaign measurement

•       Legal authorities when required by law, regulation, court order, or to protect our rights

•       Regulatory bodies including the NYDFS as required for compliance

5. Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies for:

•       Essential website functionality and security

•       Analytics to understand how visitors use our site

•       Advertising tracking (Facebook Pixel) to measure ad effectiveness and deliver relevant ads

You can manage cookie preferences through your browser settings. Disabling cookies may affect website functionality.

6. SMS and Email Communications

By providing your phone number or email address through our website, chatbot, or forms, you consent to receive communications from us including:

•       Responses to your inquiries

•       Insurance quotes and policy-related information

•       Marketing messages about insurance products and services

You may opt out of marketing communications at any time by replying STOP to any SMS message, clicking the unsubscribe link in any email, or contacting us directly. Opting out of marketing does not affect transactional or policy-related communications.

By signing up for text messages, you agree to receive informational messages (appointment reminders, quote notifications, service updates, etc.) from Rodney Insurance Agency at the number provided.

Message frequency varies. Message and data rates may apply. Reply HELP for assistance, or call (631) 951-2038. Reply STOP to opt-out at any time.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are retained in accordance with New York State record retention requirements.

9. Your Rights

Depending on applicable law, you may have the right to:

•       Access the personal information we hold about you

•       Request correction of inaccurate information

•       Request deletion of your personal information (subject to legal retention requirements)

•       Opt out of marketing communications

To exercise any of these rights, contact us at 631-951-2038.

10. Children’s Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices:

Rodney Insurance

Brentwood, NY 11717