RamState Insurance ("RamState," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we may collect, use, disclose, and protect information when you visit ramstateinsurance.com, request information or an insurance quote, submit a form, communicate with us, or obtain insurance-related services through us.
1. Information We May Collect
We may collect information that you voluntarily provide, including your name, mailing address, email address, telephone number, date of birth, household or dependent information, and preferred method of contact. For insurance quotes, applications, enrollment, servicing, or related requests, we may collect information reasonably necessary to evaluate or process your request. Depending on the product, this may include property, vehicle, driver, business, employment, financial, beneficiary, health, Medicare or health-plan eligibility, or other insurance-related information.
We may receive information about your transactions with us, insurance carriers, service providers, or other parties involved in providing requested insurance products or services. Where permitted and necessary, information may also be obtained from third-party sources such as insurance carriers, consumer reporting agencies, underwriting databases, public records, or other sources used in insurance quoting, underwriting, eligibility, fraud prevention, or servicing.
When you use our website, certain technical information may be collected automatically, such as IP address, browser or device information, pages viewed, referring pages, approximate location derived from IP address, and cookie or similar technology data.
2. How We Use Information
We may use information to respond to inquiries; prepare or facilitate insurance quotes; assist with applications, enrollments, renewals, policy servicing, and claims-related communications; communicate with insurance carriers and authorized service providers; maintain business records; improve our website and services; prevent fraud or misuse; protect our systems; and comply with legal, regulatory, licensing, audit, and record-retention requirements.
We may also use contact information to follow up about products or services you requested or may reasonably expect from your relationship with RamState. Where required, marketing communications will be handled in accordance with applicable law and available opt-out choices.
3. How Information May Be Shared
We do not sell your nonpublic personal financial information for money. We may share information with insurance companies, general agencies, brokerages, enrollment or quoting platforms, administrators, vendors, technology providers, professional advisers, and other parties when reasonably necessary to obtain quotes, process or service insurance, operate our business, secure our systems, or fulfill your request.
We may disclose information when required or permitted by law, regulation, subpoena, court order, regulatory inquiry, fraud investigation, or to protect the rights, safety, property, or security of RamState, our customers, or others. Third parties may have their own privacy practices.
4. Nonpublic Personal Financial Information
Insurance transactions can involve nonpublic personal financial information. We seek to limit access to such information to persons and service providers who need it to provide, process, administer, or service insurance products or services, or as otherwise permitted or required by law.
If our information-sharing practices create a legal right to opt out of certain disclosures to nonaffiliated third parties, we will provide the notice and reasonable opt-out method required by applicable law.
5. Health and Sensitive Information
Some insurance products may require health, prescription, disability, Medicare or Medicaid eligibility, or other sensitive information. Please provide sensitive information only through methods we identify as appropriate for the applicable transaction.
RamState is an insurance agency and is not necessarily a health care provider or health plan subject to HIPAA for every interaction. Health and other sensitive information may nevertheless be protected by insurance privacy laws, carrier requirements, contractual obligations, and other applicable laws.
6. Cookies, Analytics, Chat and Website Technologies
Our website may use cookies, analytics tools, security tools, embedded content, chat or messaging features, and similar technologies to operate the site, understand website usage, improve performance, remember preferences, prevent abuse, and communicate with visitors. These services may collect technical or usage information according to their own privacy terms.
You can often control cookies through your browser settings, although disabling certain cookies may affect website functionality. Do not send Social Security numbers, full payment-card information, passwords, or detailed medical records through a general website chat or general email unless we specifically provide a secure method for that purpose.
7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or disclosure. No website, email system, internet transmission, or electronic storage method can be guaranteed to be completely secure.
8. Data Retention
We retain information for as long as reasonably necessary for the purposes described in this policy, to service customer relationships, and to satisfy insurance, licensing, tax, legal, regulatory, dispute-resolution, fraud-prevention, and record-retention obligations.
9. Your Privacy Choices and Requests
You may contact us to ask about personal information you have provided directly to RamState, request correction of inaccurate contact information, or ask to stop certain marketing communications. Privacy-related questions or requests may be emailed to info@ramstateinsurance.com.
Some information cannot be deleted or changed when we are required to retain it by law, when it is part of an insurance transaction or compliance record, or when it is maintained by an insurance carrier or other independent third party. Requests concerning carrier-held information may need to be directed to the applicable carrier.
10. Third-Party Links
Our website may link to insurance carriers, enrollment or quoting platforms, government websites, social media services, or other third-party websites. RamState does not control the privacy, security, content, or availability of independent third-party sites.
11. Children's Privacy
Our website and insurance services are not directed to children under 13 for independent use. Information about minors may be collected from a parent, guardian, or authorized adult when reasonably necessary for an insurance application, beneficiary designation, dependent coverage, or other legitimate insurance purpose.
12. Insurance Quotes and Coverage
Information provided through this website does not bind insurance coverage. Coverage, eligibility, premiums, effective dates, underwriting decisions, exclusions, and policy terms are determined by the applicable insurance carrier and policy documents. Do not cancel existing coverage until new coverage has been confirmed effective by the applicable carrier.
13. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our website, services, business practices, technology, or legal requirements. The revised policy will be posted on ramstateinsurance.com with an updated "Last Updated" date.
14. Contact Us
If you have questions about this Privacy Policy, our privacy practices, or a privacy request, contact RamState Insurance by email at info@ramstateinsurance.com or through the contact information published on ramstateinsurance.com.
For security, please do not include Social Security numbers, passwords, full payment-card numbers, or detailed medical information in a general email or website message.