Privacy Policy

Effective as of October 9th, 2025

OIA Insurance (“OIA,” “Company,” “we,” or “us”) values your privacy and is committed to protecting it. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (the “Website”), interact with us, or purchase insurance products or services from us.

By using the Website, submitting information, obtaining quotes, purchasing products, or otherwise interacting with OIA, you accept this Privacy Policy. If you do not agree with its terms, please do not use these services.

1. Applicability / Scope

This Privacy Policy applies to:

  • Information collected via our Website (including via forms, cookies, analytics tools, pixels, etc.),
  • Information collected in email, texts, phone calls, or other electronic communications between you and OIA,
  • Information collected in connection with insurance services, quotes, applications, underwriting, claims, or customer service.

It does not necessarily cover information collected by third-party websites or services to which we link; you should review their privacy statements separately.

2. Children / Minors

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from individuals under 18. If you believe we have inadvertently obtained information from someone under 18, please contact us to request deletion.

3. Information We Collect

We collect information in two main ways: (a) from you directly, and (b) automatically.

A. Information You Provide

You may provide us with information when you:

  • Fill out a contact, quote, or application form,
  • Request a policy, coverage, or service,
  • Submit claims or related documentation,
  • Communicate with us by email, chat, or phone,
  • Register for newsletters, webinars, or promotional offers,

This may include:

  • Personal identification data: name, address, email, phone, date of birth, etc.
  • Insurance / financial data: policy types, coverage amounts, claim history, premiums, payment details, underwriting data, credit or driving record, etc.
  • Sensitive / nonpublic personal information (NPI): e.g. Social Security Number, medical information (if required for underwriting or claims), etc.

B. Automatically Collected / Technical Information

As you navigate our Website, we (and our service providers) may automatically collect:

  • IP address, browser type, device type, operating system, and related technical data
  • Pages visited, referring/exit pages, time spent on pages
  • Clicks, scrolls, session replay, heatmaps (if applicable)
  • Cookies, pixels, tags, web beacons, and similar tracking technologies
  • Location data (approximate, based on IP)
  • Traffic source and search terms

We use tools such as Google Analytics, and may use session-replay or heatmap tools (provided by third-party vendors) for site optimization and user experience insights.

4. How We Use Your Information

We may use your information for the following purposes:

  • To provide quotes, policies, coverage, claims processing, and customer support
  • To evaluate and underwrite risk, verify information, and detect fraud
  • To administer our business operations, internal analytics, reporting, audits, and compliance
  • To send you information, updates, newsletters, marketing or promotional materials, if you have consented (or not objected, depending on legal regime)
  • To personalize your experience and improve our Website (e.g. UX optimization)
  • To create aggregated or de-identified data for research, statistical or marketing use
  • To enforce our terms and policies, and to protect our rights, customers, or others
  • To comply with legal or regulatory obligations

We will not use your information for purposes materially different from those described here without notifying you.

5. Disclosure & Sharing of Information

We may share your information in the following ways:

A. Affiliates, Service Providers & Vendors

We may share your personal information with:

  • Companies and service providers who perform business functions on our behalf (e.g. IT, analytics, marketing, payment processors, customer service)
  • Insurance carriers, agents, adjusters, underwriters, reinsurers, or other industry partners involved in servicing your policy or claim
  • Legal, compliance, or audit firms as necessary

These third parties are contractually obligated to use your information only for permitted purposes and protect it.

B. Legal, Safety, & Enforcement Disclosures

We may disclose information:

  • To comply with laws, regulations, subpoena, judicial process, or government request
  • To protect our rights, safety, security, or the rights of others
  • In connection with investigations, legal claims, or enforcement of agreements
  • If OIA (or all or substantially all its assets) is acquired or merged, in which case your data may be transferred to the acquiring entity

C. Consent or Control

In some cases, we may share your information with your consent, or as otherwise directed by you.

D. No Sale (Unless Disclosed)

We do not sell or rent your personal information to nonaffiliated third parties for their direct marketing purposes, except as disclosed and permitted by law.

6. Your Rights & Choices

Depending on your location and applicable laws, you may have the following rights:

  • Access / Request a Copy — Request a copy of the personal data we hold about you
  • Correct / Update — Request rectification of inaccurate or incomplete data
  • Delete / Erase — Request erasure of your personal data (subject to legal or contractual retention obligations)
  • Restrict Processing — Ask us to limit or restrict processing of your data
  • Object to Processing — Object to our processing of your data (e.g. marketing)
  • Data Portability — Request your data in a structured, machine-readable format
  • Withdraw Consent — If our processing is based on consent, you may withdraw it (without affecting processing already done)
  • Opt-out of Marketing / Emails — Use the unsubscribe link in emails or contact us directly

If you are in the European Union, United Kingdom, or other jurisdictions with data protection laws (e.g., GDPR), you may have additional rights. We will honor them to the extent required by law.

To exercise these rights, contact us (see “Contact Us” below). We may require verification of identity before fulfilling requests.

7. Data Retention & Deletion

We retain personal data as long as necessary to:

  • Fulfill the purposes outlined in this policy (e.g. servicing your policy, claims)
  • Comply with legal, regulatory, or audit obligations
  • Defend legal claims or enforce contracts

When retention is no longer necessary, or you request deletion (and there is no legal obligation to retain), we will securely delete or anonymize the information.

8. Security

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, alteration, disclosure, or destruction. These may include encryption, access controls, secure servers, monitoring, and regular security reviews.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security. Use of email to send sensitive personal information is at your own risk.

9. Cookies, Pixels & Tracking Technologies

We and third parties may use cookies, pixels, web beacons, tags or similar tracking technologies to:

  • Recognize returning visitors
  • Analyze usage patterns
  • Serve personalized content or marketing

Cookies may be session-based (expire when you close your browser) or persistent (remain longer). You can manage or disable cookies via your browser settings, but doing so may affect functionality.

We may also use third-party analytics tools (Google Analytics, etc.) for aggregate data analysis.

11. Policy Changes & Updates

We may modify this Privacy Policy at any time. If changes are material, we will notify you by email (if you have provided one) or by a prominent notice on our Website. The “Effective Date” at the top will reflect the current version. Your continued use of our services after changes implies acceptance.

12. Contact Us

If you have questions, concerns, or wish to exercise any of your data rights, please contact:

OIA Insurance
117S. Cook St., Suite 130, Barrington, IL 60010
info@oianins.com

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