Privacy Policy

YATES INSURANCE AGENCY, INC. (“Company,” “we,” “our,” or “us”) is committed to protecting the privacy of our clients, prospective clients, and website visitors. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, request a quote, or engage with our insurance services.

Please read this Privacy Policy carefully. By accessing or using our website or services, you acknowledge that you have read, understood, and agree to the practices described herein. If you do not agree with this Privacy Policy, please discontinue use of our website and services.

1. Information We Collect

We collect information that you voluntarily provide to us and information that is automatically collected when you use our website.

1.1 Information You Provide Directly

When you request a quote, contact us, or engage with our services, we may collect the following categories of personal information:

• Identity Information: Full name, date of birth, and government-issued identification numbers as required for insurance applications.
• Contact Information: Mailing address, email address, and telephone number.
• Insurance Information: Current coverage details, claims history, vehicle information, property information, business information, and other data relevant to underwriting your insurance policy.
• Financial Information: Payment information, billing address, and in some cases, financial data required for premium calculations or policy underwriting.
• Communication Records: Records of your correspondence with us, including emails, phone call notes, and form submissions.

1.2 Quote Request Submissions

When you submit a quote request through our website contact form, we collect your name, phone number, email address, insurance type of interest, and any additional information you provide in the message field. This information is transmitted directly to our licensed agents and used solely for the purpose of preparing and delivering your requested insurance quote.

1.3 Automatically Collected Information

When you visit our website, certain information is automatically collected through standard web technologies, including:

• Device Information: IP address, browser type and version, operating system, device type, and screen resolution.
• Usage Data: Pages visited, time spent on pages, links clicked, referring URLs, and navigation patterns.
• Cookies and Tracking Technologies: Session cookies, persistent cookies, and similar tracking technologies as described in Section 5 of this policy.
• Location Data: General geographic location derived from your IP address (city and state level only — we do not collect precise GPS coordinates without explicit consent).

2. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your insurance quote requests and inquiries.
• To prepare, present, and explain insurance coverage options tailored to your needs.
• To process insurance applications and facilitate policy issuance with our carrier partners.
• To communicate with you about your policy, coverage changes, renewals, and important updates.
• To provide ongoing customer service and support throughout the life of your policy.
• To comply with applicable legal and regulatory requirements, including Georgia insurance regulations and federal law.
• To improve our website, services, and client communications.
• To detect, investigate, and prevent fraud, unauthorized access, and other illegal activities.
• To send you relevant insurance information, educational content, and service updates where you have not opted out.

3. Customer Communications

3.1 Email Communications

We may send you emails related to your quote requests, policy information, renewals, and service updates. We may also send periodic newsletters or educational content related to insurance topics. You may opt out of non-essential email communications at any time by clicking the “unsubscribe” link in any marketing email or by contacting us directly at presley@yatesinsuranceagencyinc.com. Please note that transactional emails related to your active policy cannot be unsubscribed from as they are necessary for service delivery.

3.2 Phone Communications

By providing your phone number, you consent to receive calls and text messages from Yates Insurance Agency, Inc. related to your insurance inquiries, quote requests, and policy matters. You may opt out of non-essential phone communications by notifying us in writing or verbally during any call. We comply with all applicable federal and Georgia state telemarketing regulations.

3.3 SMS/Text Communications

If you provide consent to receive SMS communications, we may send you text messages regarding your quote status, policy reminders, or service updates. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us directly.

4. Marketing Communications

With your permission, we may contact you about insurance products, promotions, or services that may be of interest to you. We will not send marketing communications without a lawful basis for doing so. You may withdraw your consent to marketing communications at any time without affecting the lawfulness of processing prior to withdrawal.

5. Cookies and Tracking Technologies

5.1 Types of Cookies We Use

Our website uses the following types of cookies:

• Essential Cookies: Necessary for the website to function properly. These cannot be disabled without affecting website functionality.
• Analytics Cookies: Used to understand how visitors interact with our website. We use this data in aggregate form to improve our site.
• Preference Cookies: Allow the website to remember your preferences and settings for a more personalized experience.

5.2 Analytics Services

We may use third-party analytics services, such as Google Analytics, to collect and analyze website usage data. These services may use cookies and similar technologies to collect information about your use of our website. The data collected is used in aggregated, anonymized form to improve our website and services. You may opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

5.3 Browser Tracking Technologies

In addition to cookies, our website may use web beacons, pixel tags, and local storage technologies to collect information about how you interact with our site. These technologies help us understand user behavior and improve our services. You can manage cookie preferences through your browser settings, though disabling certain cookies may affect website functionality.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, regulatory, accounting, or reporting requirements. For insurance-related records, we generally retain data for a minimum of seven (7) years following the termination of a policy, in accordance with Georgia insurance regulations. Quote request data from non-converting inquiries is retained for up to two (2) years for business purposes and then securely deleted.

7. Data Protection Measures

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure Sockets Layer (SSL) encryption for data transmission on our website.
• Access controls limiting employee access to personal data on a need-to-know basis.
• Regular review of data collection, storage, and processing practices.
• Physical security measures at our office location.

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your data.

8. Third-Party Providers and Information Sharing

8.1 Insurance Carriers

To fulfill our services, we share your personal information with licensed insurance carriers for the purpose of obtaining quotes, submitting applications, and managing your policy. These carriers are subject to their own privacy policies and applicable insurance regulations.

8.2 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, including IT support providers, email service providers, and analytics platforms. These parties are contractually obligated to keep your information confidential and use it only for the services they provide to us.

8.3 Information Sharing Limitations

We do not sell, trade, or rent your personal information to third parties for their own marketing purposes. We do not share your personal information with non-affiliated third parties except as described in this Privacy Policy or as required by law.

8.4 Legal Disclosures

We may disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency), or if we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a legal process.

9. Your Privacy Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information, including:

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete personal information.
• Right to Deletion: Request deletion of your personal information, subject to legal and regulatory retention requirements.
• Right to Opt-Out: Opt out of marketing communications at any time.
• Right to Data Portability: Request transfer of your personal information in a structured, machine-readable format where technically feasible.

To exercise any of these rights, please contact us using the information provided in Section 13 below. We will respond to your request within 30 days.

10. California Consumer Privacy Act (CCPA) Disclosures

While Yates Insurance Agency, Inc. is a Georgia-based business, we acknowledge the rights of California residents under the California Consumer Privacy Act (CCPA) where applicable. California residents have the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information. To submit a CCPA request, please contact us at presley@yatesinsuranceagencyinc.com.

11. Georgia and U.S. Legal Compliance

Yates Insurance Agency, Inc. operates in compliance with applicable Georgia state insurance regulations, including the Georgia Insurance Code (Title 33 of the Official Code of Georgia Annotated), the Georgia Computer Systems Protection Act, and applicable federal laws including the Gramm-Leach-Bliley Act (GLBA), which governs the privacy of consumer financial information held by financial institutions, including insurance companies.

12. Children’s Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have collected information from a minor, please contact us immediately.

13. Fraud Prevention

We may use your personal information to detect and prevent fraudulent insurance applications, claims, or transactions. This may involve sharing information with insurance fraud prevention organizations and law enforcement agencies where required by law or where we have a legitimate interest in preventing fraud.

14. External Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

15. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. We will notify you of significant changes by posting the updated policy on our website with a revised effective date. Your continued use of our website or services following the posting of changes constitutes your acceptance of the revised policy.

16. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Company: YATES INSURANCE AGENCY, INC.
• Address: 2800 Century Parkway NE, Suite 300, Atlanta, GA 30345, United States
• Email: presley@yatesinsuranceagencyinc.com
• Phone: 404-747-3925