1. Who We Are
This Privacy Policy applies to Young's Insurance ("we," "us," or "our"), a licensed insurance producer operating in the State of Tennessee (TN License #3001688666, NPN #20135621). This policy describes how we collect, use, and protect information when you visit youngs-insurance.com or use our brokerage services.
2. Information We Collect
We collect information you voluntarily provide through our website forms, email, phone, or in-person interactions, including:
- Contact information: name, email, phone, business name, business address, city/county.
- Business information: industry, employee count, current coverage status, desired effective date, budget range.
- Employee census data (when uploaded for quoting): employee names, dates of birth, gender, ZIP code, coverage tier, tobacco use, current coverage status. This data is provided by the employer on behalf of their employees for the purpose of obtaining group insurance quotes.
- Communications: messages you send us by form, email, or phone.
We may also automatically collect basic technical information when you visit the site, such as IP address, browser type, and pages viewed. We do not currently use third-party advertising trackers or behavioral cookies.
3. How We Use Your Information
We use the information we collect to:
- Source group insurance quotes from licensed carriers on your behalf
- Communicate with you about your quote request, application, or active coverage
- Provide ongoing service, renewal review, and support during the policy term
- Comply with applicable insurance laws, regulations, and recordkeeping requirements
- Improve our services and respond to inquiries
4. How We Share Your Information
We do not sell your personal information. We share it only as needed to provide the services you've requested, including with:
- Insurance carriers and general agents who need the information to provide quotes or underwrite coverage
- Service providers who help us operate our business (e.g., email, secure document handling, hosting), under confidentiality obligations
- Regulators or law enforcement when required by law, subpoena, or other legal process
- Successor entities in the event of a sale or transfer of our business, subject to the protections of this policy
5. Data Security
We use reasonable administrative, technical, and physical safeguards to protect personal information against loss, unauthorized access, and improper disclosure. No system is completely secure, however, and we cannot guarantee absolute security. If you believe your information has been compromised, please contact us at austin@youngs-insurance.com.
6. Data Retention
We retain personal information for as long as needed to provide quoting and ongoing brokerage services, and afterward as required by Tennessee insurance law and our recordkeeping obligations. Census data submitted for a quote that does not result in active coverage will be retained for a minimum of 5 years and then securely disposed of.
7. Your Rights and Choices
You may request to review, correct, or delete the personal information we hold about you at any time, subject to our legal recordkeeping obligations. To do so, contact us at austin@youngs-insurance.com or (865) 282-4484. You may also opt out of non-essential communications at any time by replying "unsubscribe" to any email or letting us know directly.
Residents of states with applicable privacy laws (such as California, Virginia, Colorado, or others as enacted) may have additional rights, including the right to know what personal information we hold and to request its deletion. Contact us at the address above to exercise any such right.
8. Children's Privacy
Our website and services are directed to businesses, not children, and we do not knowingly collect personal information from anyone under the age of 13. Employee census data may include dependent ages or dates of birth as part of a family coverage tier; this information is provided by the employer for insurance quoting purposes and is treated with the same protections described above.
9. Third-Party Links
Our website may contain links to carrier websites, calculators, or other resources operated by third parties. We are not responsible for the privacy practices of those sites. Please review their policies before submitting information to them.
10. Changes to This Policy
We may update this policy from time to time. The "Last updated" date at the top of this page indicates when the latest revision took effect. Material changes will be communicated through the website and, where appropriate, by direct email.
11. Contact Us
Questions about this policy or our handling of your information? Reach out:
- Email: austin@youngs-insurance.com
- Phone: (865) 282-4484
This Privacy Policy is provided for informational purposes only and does not create any legal rights or obligations beyond those imposed by applicable law. By using our services, you acknowledge that you have read and understood this policy.