Collaborative Insurance Solutions, LLC ("we," "us," or "our") operates the website located at https://collaborative-insurance.com and is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, apply for an insurance quote, or utilize our financial and insurance advisory services in accordance with United States federal and Massachusetts state laws (including 201 CMR 17.00).
1. INFORMATION WE COLLECT
We collect personal information that you voluntarily provide to us when you fill out forms, request quotes, or contact us. This may include:
- Personal Identifiers: First and last name, postal address, email address, telephone numbers (508-454-3493).
- Commercial Information: Information regarding properties, vehicles, business assets, employee counts, NAICS codes, and financial histories necessary to underwrite insurance policies.
- Technical and Usage Data: IP addresses, browser types, operating systems, referring URLs, and interaction patterns with our digital interface collected via standard cookies and analytics frameworks.
2. HOW WE USE YOUR INFORMATION
We leverage the collected datasets to deliver highly specialized insurance guidance and services, specifically to:
- Generate accurate, custom insurance quotes across multiple carrier platforms.
- Manage, maintain, alter, and service active insurance policies.
- Respond directly to inquiries submitted through our interactive web contact forms.
- Deliver transactional notifications, policy renewals, regulatory compliance updates, and risk mitigation strategies.
- Maintain and audit the security, integrity, and operational state of our web architecture.
3. DISCLOSURE AND INFORMATION SHARING
We do not sell, rent, or lease client databases to third-party marketers. Your parameters are shared strictly under the following criteria:
- Authorized Carriers: With top-tier insurance carriers to secure coverage options and policy bind requests.
- Legal Obligations: When mandated by state or federal regulatory agencies, sub-poenas, or ongoing judicial proceedings.
- Professional Advisors: With your explicitly authorized wealth managers, estate attorneys, or CPAs during collaborative risk-planning workflows.
4. DATA SECURITY AND MASSACHUSETTS COMPLIANCE
In alignment with Massachusetts 201 CMR 17.00, we maintain a comprehensive Written Information Security Program (WISP). We utilize appropriate administrative, technical, and physical safeguards designed to shield personal data against unauthorized breach, destruction, alteration, or exposure.
5. YOUR PRIVACY RIGHTS
Depending on your residency, you may possess specific rights regarding your data, including the right to request access, correction, or deletion of the personal parameters we hold. To exercise these rights, submit a formal request to: daviddlugasch@collabsolutionsllc.com.