Privacy Policy

1. Introduction

Express4u Insurance Group, LLC ("Express4u," "we," "us," or "our"), a USA limited liability company operating at 4034 NW 9th Avenue, Oakland Park, FL 33309, 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 expresscoi4u.com, contact us by phone or email, or engage our insurance services.

By accessing or using our website or services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

This Privacy Policy applies to all visitors, customers, and prospective clients of Express4u Insurance Group, LLC. It complies with applicable USA state laws, the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA) where applicable, and other federal and state regulations governing the collection and use of consumer information in the insurance industry.

2. Information We Collect

2.1 Information You Provide Directly

We collect information you voluntarily provide when you contact us, request a quote, or purchase a policy. This may include:

• Full name, date of birth, and Social Security Number (for underwriting purposes)
• Contact information including home address, email address, and telephone numbers
• Property information (for home, auto, and business insurance quotes)
• Vehicle information including make, model, year, and VIN
• Driving history, claims history, and prior insurance information
• Health and medical information (only when required for health or life insurance applications)
• Financial information as required for premium payment processing
• Business information for commercial insurance applicants

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

• IP address and approximate geographic location
• Browser type, version, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device type and screen resolution
• Cookies and similar tracking technologies

2.3 Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. Cookies are small data files stored on your device. We use:

• Essential cookies: Required for the website to function properly
• Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics)
• Preference cookies: Remember your settings and preferences

You may control cookie settings through your browser. Disabling cookies may affect certain website functionality. We do not sell personal information collected through cookies to third parties.

3. How We Use Your Information

Express4u Insurance Group uses your information for the following purposes:

• To provide insurance quotes, bind coverage, and service your policies
• To communicate with you about your policy, claims, renewals, and account changes
• To verify your identity and prevent fraud
• To comply with legal and regulatory requirements, including USA Department of Financial Services requirements
• To process premium payments and billing
• To improve our website, services, and customer experience
• To send relevant marketing communications (only with your consent or as permitted by law)
• To respond to your inquiries, comments, or complaints

4. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information only in the following circumstances:

• Insurance carriers and underwriters: To obtain quotes and bind coverage on your behalf
• Reinsurance companies: As required in the normal course of the insurance business
• Service providers: Third-party vendors who assist with IT, data analytics, payment processing, and communications — subject to confidentiality agreements
• Legal compliance: When required by law, regulation, court order, or government authority
• Claims processing: With claims adjusters, investigators, and repair professionals as necessary
• Business transfers: In the event of a merger, acquisition, or sale of assets, with advance notice to affected clients
• With your consent: In any other circumstances where you have provided explicit consent

All third parties with whom we share your information are required to maintain the confidentiality of your information and are prohibited from using it for any purpose other than to provide services to us.

5. Data Security

Express4u Insurance implements commercially reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for all web-based data transmissions
• Secure servers with restricted physical and electronic access
• Employee training on data privacy and security practices
• Regular security assessments and vulnerability testing
• Access controls limiting data access to authorized personnel only

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach affecting your rights and freedoms, we will notify you as required by applicable law.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Insurance records are typically retained for a minimum of seven (7) years in accordance with USA insurance regulations and record-keeping requirements. When your information is no longer needed, we will securely dispose of it in accordance with applicable law.

7. Your Rights and Choices

Depending on applicable law, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request deletion of your information, subject to legal retention requirements
• Opt-out of marketing: Unsubscribe from marketing communications at any time
• Data portability: Request your data in a portable format where technically feasible

To exercise any of these rights, please contact our Privacy Officer at privacy@expresscoi4u.com or by calling (888) 449-8265. We will respond to your request within 30 days.

8. GLBA Notice — Financial Privacy

As a licensed insurance provider, Express4u Insurance is subject to the Gramm-Leach-Bliley Act (GLBA). Under the GLBA, we are required to inform you of our financial information practices. We collect nonpublic personal information about you from your insurance applications, transactions with us, and, where applicable, consumer reporting agencies. We share this information only as described in Section 4 of this Privacy Policy and as permitted under the GLBA.

9. Children's Privacy

Our website and services are not directed toward individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a person under 18, please contact us immediately and we will take prompt steps to delete such information.

10. Third-Party Websites and Links

Our website may contain links to third-party websites, including insurance carrier websites and payment processors. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party sites you visit. We are not responsible for the privacy practices or content of external websites.

11. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, provide additional notice such as a website banner or email notification. Your continued use of our website or services after any changes constitutes your acceptance of the revised Privacy Policy.

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Privacy Officer: Express4u Insurance Group, LLC
• Address: 4034 NW 9th Avenue, Oakland Park, FL 33309
• Email: privacy@expresscoi4u.com
• Phone: (888) 449-8265

You also have the right to file a complaint with the USA Department of Financial Services or a relevant federal regulatory authority if you believe your privacy rights have been violated.