Privacy Policy

At Ocean Trust Insurance, protecting your privacy is our top priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our website, products, and services. By using our services, you agree to the terms of this policy.

Information We Collect

We collect various types of information to provide and improve our services, including:

Personal Information:
- Name, address, phone number, and email address.
- Payment details for billing purposes.
- Social Security Number or Tax Identification Number (where required).
Non-Personal Information:
- Browser type, IP address, and operating system.
- Usage data, such as pages visited and time spent on the website.
Third-Party Information:
- Information obtained from third parties, such as credit reporting agencies or public records, for underwriting and fraud prevention.

How We Use Your Information

We use the information we collect to:

Process insurance applications, claims, and payments.
Provide customer support and respond to inquiries.
Improve our website and services.
Comply with legal and regulatory requirements.
Send policy updates, billing reminders, and promotional materials (with your consent).

How We Share Your Information

We only share your information in the following circumstances:

With Service Providers: Trusted third-party vendors who assist us in delivering our services (e.g., payment processors or claims adjusters).
For Legal Reasons: When required by law, court order, or regulatory authority.
Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
With Your Consent: When you explicitly agree to share your information for a specific purpose.

How We Protect Your Information

We implement industry-standard security measures to protect your personal information, including:

Secure Socket Layer (SSL) encryption for data transmission.
Access controls to limit who can access your information.
Regular audits and updates to our security practices.

Despite our efforts, no method of electronic transmission or storage is 100% secure. We encourage you to take precautions, such as safeguarding your login credentials.

Your Privacy Rights

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

Access: Request access to the personal data we hold about you.
Correction: Request corrections to inaccurate or incomplete information.
Deletion: Request deletion of your data, subject to legal obligations.
Opt-Out: Opt-out of receiving promotional communications.

To exercise these rights, please contact us at info@oceantrustinsurance.com.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience. These include:

Essential Cookies: Necessary for website functionality.
Performance Cookies: Help us analyze website usage.
Marketing Cookies: Used to display relevant ads.

You can manage your cookie preferences in your browser settings.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. Please review their privacy policies before providing any personal information.

Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with the revised “Last Updated” date.