Privacy Policy

Effective date: Sep/07/25

Who We Are

Young American Insurance (“we,” “us,” or “our”) is committed to protecting your privacy and the security of the personal information you share with us. This Policy explains what we collect, how we use it, how we share it, and the choices you have.

Information We Collect

We collect information in the following categories:

Personally Identifiable Information (PII): name, address, email, phone, date of birth, driver’s license number, and (only when necessary to provide quotes, underwriting, billing, or claims) Social Security number and employment information.
Insurance & account information: policy numbers, coverage selections, claim details, quote history, communications, and preferences.
Financial information: payment method details (e.g., last four digits of card, billing address) and transaction history when you pay for our services.
Device/usage information: IP address, browser and device type, pages viewed, referring/exit pages, and timestamps.
Cookies and similar technologies: to remember settings, improve performance, and analyze site usage.
From third parties (where permitted): service providers, insurers/underwriters, identity verification services, or public databases to help deliver services and prevent fraud.

How We Use Your Information

We use the information we collect to:

Provide, quote, underwrite, service, and administer insurance products.
Communicate with you about your quotes, policies, claims, and support requests.
Process payments and manage your account.
Operate, maintain, analyze, and improve our website and services.
Personalize content and measure marketing performance (where permitted).
Detect, investigate, and prevent fraud, security incidents, and misuse.
Comply with legal, regulatory, and contractual obligations.

Information Sharing and Disclosure

We do not sell your personal information and we do not share it for cross-context behavioral advertising. We may disclose information to:

Insurers, underwriters, agents, and claims administrators to provide quotes, issue or service policies, and handle claims.
Trusted service providers (e.g., hosting, analytics, payment processing, email delivery) under contracts requiring confidentiality and security.
Authorities or other parties when required by law or to protect rights, property, safety, or to respond to lawful requests.
Business transfers in connection with a merger, acquisition, or sale of assets (your information will remain protected as described here or you will be notified of changes).

Cookies and Tracking

We use cookies and similar technologies for core functionality, to remember preferences, and to analyze traffic. You can control cookies through your browser settings; disabling some cookies may affect site functionality.

Security

We implement administrative, technical, and physical safeguards designed to protect personal information (e.g., encryption in transit, access controls, logging). However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information only for as long as needed to provide services, meet legal/regulatory requirements, resolve disputes, and enforce agreements. Retention periods vary by data type and purpose.

Your Choices and Rights

Depending on your location, you may have rights to access, correct, delete, or restrict certain uses of your personal information, and to opt out of marketing communications. To exercise rights or preferences, contact us using the details below. You may also unsubscribe from marketing emails using the link in those messages.

Children’s Privacy

Our website and services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will delete it.

Third-Party Websites

Our site may link to third-party websites. We are not responsible for their privacy practices or content. Please review their privacy policies before providing personal information.

Changes to This Policy

We may update this Policy from time to time. Any changes will be posted on this page with a new “Effective date.” Your continued use of our services after changes are posted signifies your acceptance of the updated Policy.

Contact Us

If you have questions or wish to exercise your privacy rights, contact us at:
Email: team21@youngamericansinsurance.com