01
Introduction and Scope
This Privacy Policy describes the privacy practices of Options Insurance (“we,” “us,” or “our”), an independent insurance agency headquartered at 102 N Jonathan Blvd #210, Chaska, MN 55318. Options Insurance operates in multiple states and, in California, conducts business as Novallus Insurance Brokers.
By accessing our website at options-insurance.com (the “Website”) or submitting information through any of our online forms or communication channels, you agree to the terms described in this Privacy Policy. If you do not agree with this Policy, please do not submit personal information through the Website.
The Website is designed for use by U.S. residents seeking information about personal and commercial insurance products. It is not intended for use by residents of the European Union or other jurisdictions with privacy regulations that differ materially from U.S. law.
02
How We Collect Your Information
We collect information about you in the following ways:
- Information You Provide Directly: When you submit a quote request form, contact form, or any other form on the Website, you voluntarily provide us with personal information. We store and process this information to respond to your inquiry, provide insurance quotes, and connect you with a licensed agent.
- Telephone and Email Communications: When you call or email Options Insurance directly, we may retain records of those communications to serve you and maintain accurate records of your insurance inquiries and coverage.
- Automated Data Collection: We use cookies and similar tracking technologies to collect aggregated information about how visitors use our Website. A cookie is a small file placed on your device that helps us recognize return visitors and understand Website usage patterns. We use this information to improve the Website experience and understand our audience. We do not use cookies to track individual user activity for advertising purposes.
- Third-Party Referrals: If you are referred to Options Insurance through a partner website, marketing channel, or referral source, we may receive basic contact information about you through that channel.
03
Types of Information We Collect
Depending on how you interact with Options Insurance, we may collect the following categories of information:
- Contact and Identification Information: Name, email address, phone number, mailing address, and date of birth.
- Insurance-Related Information: Information relevant to obtaining insurance quotes or coverage — including property addresses, vehicle information, business type, number of employees, current coverage details, and claims history. This information is shared only as necessary with licensed insurance carriers for the purpose of obtaining quotes or binding coverage.
- Business Information: For commercial insurance inquiries, we may collect information about your business, including business name, structure, revenue, number of locations, and operations description.
- Communication Preferences: Your preferred method and frequency of contact.
- Non-Identifying Usage Data: Aggregated, anonymized information about Website visits, page views, referral sources, and device types, used solely for Website improvement purposes.
We do not collect Social Security numbers, financial account numbers, or payment card information through the Website. Any sensitive financial or identification information required for policy applications is collected through secure, carrier-specific processes.
04
How We Use Your Information
We use the information we collect for the following purposes:
- Responding to Inquiries: To contact you in response to a quote request, general inquiry, or form submission on the Website.
- Providing Insurance Services: To connect you with a licensed Options Insurance agent, obtain insurance quotes from carriers on your behalf, and assist with policy applications, renewals, and service requests.
- Improving Our Website and Services: To analyze how visitors use the Website, identify areas for improvement, and develop better tools and content for our clients.
- Marketing Communications: With your consent or as permitted by applicable law, to send you relevant information about insurance products, coverage reminders, and agency news. You may opt out of marketing communications at any time.
- Legal Compliance: To comply with applicable insurance regulations, state licensing requirements, and legal obligations. We may disclose information when required by law, regulation, or valid legal process.
- Business Operations: To maintain records, conduct audits, and support the internal operations of Options Insurance and its affiliated entities.
05
Sharing Your Information
Options Insurance does not sell your personal information to third parties. We may share your information in the following circumstances:
- Insurance Carriers: When you request a quote or apply for coverage, we share relevant information with the licensed insurance carriers we represent. We work with 50+ carriers across personal, commercial, health, and life lines. Carrier data sharing is subject to each carrier’s own privacy practices.
- Affiliated Entities: We may share information within our affiliated entities, including Options.Health (a division of Options Insurance focused on health and Medicare insurance), for operational purposes such as coordinating service, marketing, and legal compliance.
- Service Providers: We work with third-party service providers who assist with website hosting, form processing, email communication, and other operational functions. These providers access your information only as necessary to perform services on our behalf and are contractually required to maintain its confidentiality.
- Legal and Regulatory Requirements: We may disclose your information to government agencies, regulators, or law enforcement as required by applicable law, regulation, or valid legal process, or when we believe disclosure is necessary to protect the rights, property, or safety of Options Insurance or others.
- Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a materially different privacy policy.
Aggregated, non-identifiable data may be shared freely for lawful business purposes including Website analytics and industry reporting.
06
Your Choices and Controls
You have meaningful control over the personal data we collect and how we use it:
- Voluntary Submission: You can choose not to provide certain information when using the Website. However, some features — such as quote request forms — require basic contact and insurance information to function. Declining to provide required information may mean we cannot respond to your inquiry or provide a quote.
- Cookies: Most browsers accept cookies by default. You can configure your browser to decline cookies or to alert you when cookies are being set. Disabling cookies may affect some Website functionality but will not prevent you from accessing general content.
- Marketing Communications: You may opt out of marketing emails at any time by using the unsubscribe link in any marketing email we send, or by contacting us directly at info@options-insurance.com. Opting out of marketing does not affect transactional communications related to an active insurance inquiry or policy.
- Do Not Track: Some browsers send a “Do Not Track” signal. Our Website does not currently respond to Do Not Track signals, as no uniform standard exists for how such signals should be interpreted by websites.
07
Accessing and Updating Your Information
You may request access to, correction of, or deletion of the personal information we hold about you by contacting us at the information listed in the Contact Us section below. We will respond to reasonable requests within a reasonable timeframe.
Please note that certain information may be retained as required by applicable insurance regulations, legal obligations, or legitimate business needs even after you request deletion.
Minnesota residents and residents of other states with applicable privacy rights legislation may have additional rights regarding their personal data. Please contact us to inquire about rights specific to your state of residence.
08
How We Protect Your Information
Options Insurance implements reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Secure HTTPS transmission for all Website communications
- Access controls limiting personal data access to authorized personnel only
- Regular review of data handling practices and Website security configurations
- Use of reputable third-party service providers with their own security standards
No method of transmission over the internet or electronic storage is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of your information. In the event of a data breach that affects your rights or freedoms, we will notify you as required by applicable law.
09
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, including:
- The duration of any active insurance inquiry, application, or policy relationship
- As required by Minnesota insurance regulations and applicable state licensing requirements
- As necessary to resolve disputes, enforce our agreements, or comply with legal obligations
- As directed by your consent to extended retention
When personal information is no longer required for these purposes, we delete or anonymize it in accordance with our data retention practices. The sensitivity of the data and applicable regulatory requirements are factors in determining retention periods.
10
Communication Preferences
If you provide your email address or phone number through the Website, you may receive communications from Options Insurance including:
- Responses to your inquiry or quote request from a licensed agent
- Follow-up communications related to an active insurance inquiry
- Policy renewal reminders or service notifications if you are an existing client
- Marketing communications about insurance products or agency news, where permitted
To stop receiving marketing emails, use the unsubscribe link in any such message or contact us at info@options-insurance.com. To opt out of phone or text outreach, notify your agent directly or contact our main office. We honor opt-out requests promptly.
11
Children’s Privacy
The Website is not intended for use by children under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a child under 18, we will take prompt steps to delete that information from our records. If you believe we may have collected information from a minor, please contact us immediately at info@options-insurance.com.
12
Third-Party Links
The Website may contain links to third-party websites, including insurance carrier websites, state insurance department resources, and other external services. This Privacy Policy does not apply to those websites, and we are not responsible for their privacy practices or content.
We encourage you to review the privacy policies of any third-party website before submitting personal information. The presence of a link on our Website does not constitute an endorsement of that website’s privacy practices.
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Applicable Law
This Privacy Policy is governed by the laws of the State of Minnesota and the United States of America. While the Website is accessible globally, it is designed for and directed at U.S. residents.
Users accessing the Website from outside the United States are responsible for compliance with their local laws. If your local laws conflict with this Policy, the Website may not be appropriate for your use.
Options Insurance complies with applicable Minnesota and federal privacy and insurance regulations, including requirements of the Minnesota Department of Commerce and applicable provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information.
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Updates to This Policy
We may update this Privacy Policy from time to time without prior notice. The “Last updated” date at the top of this page reflects when this Policy was most recently revised. Changes take effect upon posting to the Website.
Your continued use of the Website following any update constitutes your acceptance of the revised Policy. We recommend reviewing this page periodically, particularly if you regularly use the Website or have an ongoing insurance relationship with Options Insurance.