Privacy Policy for David Harris Insurance Agency

Last updated: February 25, 2025

Welcome to the David Harris Insurance Agency ("we", "us", or "our"). We value your trust and are committed to protecting your personal information provided by our customers and website users. It also details your rights regarding your personal information and how you can contact us with questions.

David Harris Insurance Agency is committed to protecting your privacy and ensuring that your personal data is handled in a safe and responsible manner. This Privacy Policy outlines how we collect, use, disclose, and protect your information in compliance with applicable data protection laws, including the Transparency and Consent Framework (TCR).

By accessing or using our services, you consent to the collection, use, and disclosure of your personal data as described in this Privacy Policy. If you do not agree with the terms outlined in this policy, please refrain from using our services.

1. Introduction

David Harris Insurance Agency, in association with Farmers Insurance Group® and its affiliates provides a range of insurance and financial services. This privacy policy describes how we handle the personal data of customers, former customers, and visitors to our websites. We adhere to state and federal privacy laws to safeguard personal information.

2. Types Information We Collect

We may collect the following types of personal data:

• Personal Identification Information: Name, address, Social Security number, date of birth, phone number, email address, government-issued ID numbers.
• Personal Characteristics: Gender, health information, marital status, driving history.
• Insurance and Commercial Information: Policy numbers, purchased products, payment history, and claims history.
• Internet Usage: Browser type, website interaction, IP address, and cookies.
• Payment Information: Credit card or bank account details for payments.
• Geolocation Data: Physical and IP-based location details.
• Professional and Employment Information: Job title, work history, and military status.
• Financial Information: Bank account numbers, credit or debit card details, transaction history.
• Biometric and Visual Data: Voice and photos, if necessary for services.
• Cookies and Tracking Technologies: Information gathered through cookies and other tracking technologies used on our website.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance services and process claims.
• To communicate with you regarding your insurance policies and updates.
• To offer tailored insurance products and services.
• To manage billing, payments, and other financial transactions.
• To improve our website and services.
• To comply with legal obligations and industry regulations.
• Identity verification and fraud prevention.
• Processing transaction, such as underwriting, policy management, and claims handling.
• Personalizing services and communications based on your preferences.
• Conducting research and improving our services.
• Marketing: We may use your information to present relevant products and services. However, personal phone numbers collected for SMS purposes will never be shared with third parties or affiliates for marketing purposes.

4. Legal Basis for Processing Personal Data

We process your personal data based on the following legal grounds:

• Consent: Where you have given explicit consent, for example, when you fill out a contact form or agree to receive marketing communications.
• Contractual Necessity: To fulfill the terms of an insurance contract or service agreement.
• Legal Obligation: To comply with applicable laws and regulations, including fraud prevention and reporting requirements.
• Legitimate Interests: For legitimate business interests, such as improving services or marketing our offerings, provided that these interests do not override your privacy rights.

5. Data Security Measures

We take customer data security seriously. We employ administrative, physical, and technical safeguards, including encryption and restricted access, to protect your personal information from unauthorized access, disclosure, or misuse.

6. Data Sharing Policy

Your information may be shared as follows:

• With Affiliates: We may share information with affiliates under the Farmers Insurance Group® of Companies to provide comprehensive services and products.
• Payment Processors: To process payments and manage billing transactions.
• Regulatory Authorities: To comply with legal and regulatory requirements, including fraud detection and reporting.
• Service Providers: For website hosting, data analysis, marketing services, and other necessary business functions.

We do not sell your personal data to third parties.

7. SMS Consent

David Harris Insurance Agency may send SMS notification related to your policy or services. SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes under any circumstances. By providing your phone number, you consent to receive text messages, including marketing messages. You may opt out at any time by replying "STOP" to any message received. SMS opt-in or phone numbers for the purpose of SMS are not shared with any third parties or affiliate companies for marketing purposes.

If you choose to receive SMS text messages from David Harris Insurance Agency, we may send you updates, reminders, and other important communications related to your insurance policies. By providing your mobile phone number and opting in to receive SMS messages, you consent to receive these messages.

You can manage your SMS messaging preferences by replying to any message with one of the following options:

• STOP: To stop receiving SMS messages from us at any time, simply reply with "STOP." After you reply with "STOP," you will no longer receive SMS messages from us, except for messages that are necessary for the completion of your insurance services or as required by law.
• HELP: If you need assistance or have questions about your SMS messages, reply with "HELP" for instructions on how to manage your preferences.
• START: If you have previously opted out and would like to start receiving SMS messages again, you can reply with "START" to re-opt in.

Please note that message and data rates may apply, depending on your mobile carrier and plan.

8. International Data Transfers

Your personal data may be transferred to and processed in countries outside your country of residence, including jurisdictions that may not offer the same level of protection as your local data protection laws. In such cases, we will take appropriate measures to ensure that your data is treated securely and in accordance with applicable legal requirements.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and to analyze website traffic. Cookies may track your activity across different devices and sessions.

• Necessary Cookies: Required for the basic functionality of the website.
• Performance Cookies: To collect data on website usage and performance.
• Marketing Cookies: To track your interests and provide relevant advertisements.

You can control the use of cookies through your browser settings, but please note that disabling certain cookies may affect the functionality of our website.

10. Your Rights

Under applicable data protection laws, you have the following rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request corrections to any inaccurate or incomplete data.
• Right to Erasure: You can request the deletion of your personal data, subject to certain conditions.
• Right to Restrict Processing: You can ask us to restrict the processing of your data under certain circumstances.
• Right to Object: You can object to the processing of your personal data based on legitimate interests or for direct marketing purposes.
• Right to Data Portability: You can request a copy of your data in a structured, commonly used format for transfer to another service provider.
• Right to opt-out: You have the right to opt-out of certain data uses or sharing arrangements

To exercise these rights, please contact us using the information provided below.

11. Consent Management

If we rely on your consent for processing personal data (such as for marketing purposes), you have the right to withdraw your consent at any time. You can manage your consent preferences by adjusting your settings on our website or contacting us directly.

12. Data Security

We implement a range of security measures to protect your personal data from unauthorized access, disclosure, alteration, and destruction. These include encryption, secure servers, and strict access controls. However, no method of transmission over the internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

13. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once your data is no longer needed, we will securely delete or anonymize it.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. Any updates will be posted on this page, and the "Last updated" date will be revised accordingly.

15. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us at:

David Harris Insurance Agency
Address: 1500 McAndrews Rd W, Suite 221, Burnsville, MN 55337
Email: [email protected]
Phone: 952-444-9590