Privacy Policy

1. Introduction

At Silver Anchor Insurance, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you apply for, purchase, or manage an insurance policy with us — online, by phone, or in writing.

This policy applies to all visitors, customers, and users of our services. By using our website or services, you consent to the practices described below.

2. Information We Collect

We collect information necessary to provide insurance services, assess risk, and comply with legal obligations.

Personal Information

• Identifiers: Name, address, email, phone, driver’s license number, date of birth
• Vehicle Data: VIN, year/make/model, mileage, garaging location
• Driving History: Accidents, tickets, claims (past 5–7 years)
• Financial Info: Payment method, banking details (for ACH), credit-based insurance score (where permitted)
• Usage Data: IP address, browser type, pages visited, time on site (via cookies)

How We Collect It

• Directly from you (application forms, calls, emails, portal)
• From third parties (DMV, claims databases, credit reporting agencies, repair shops)
• Automatically (website analytics, device logs)

3. How We Use Your Information

We use your data only for legitimate business and insurance purposes:

• Underwriting and pricing your policy
• Processing applications and issuing policies
• Handling claims and loss prevention
• Communicating with you (policy updates, renewal notices)
• Improving our website, products, and customer experience
• Complying with legal, regulatory, and fraud prevention obligations

We do not sell your personal information to third parties for marketing purposes.

4. Sharing of Information

We may share your data only when necessary and with appropriate safeguards:

We require all third parties to protect your data and prohibit unauthorized use.

5. Your Privacy Rights

Depending on your state of residence (e.g., CA, VA, CO, CT, UT), you may have the right to:

• ✅ Access — Request a copy of the personal data we hold about you
• ✅ Correction — Update inaccurate or incomplete information
• ✅ Deletion — Request erasure of data (subject to legal exceptions, e.g., records retention)
• ✅ Opt-Out — Opt out of sharing for non-service purposes (e.g., marketing)
• ✅ Non-Discrimination — Exercise these rights without penalty

To submit a request, email [email protected] or call +1 (415) 406 7667. We verify identity before fulfilling requests.

6. Data Security

We implement industry-standard safeguards to protect your information:

• 🔐 Encryption in transit (TLS 1.3) and at rest (AES-256)
• 🔐 Secure data centers with physical & network controls
• 🔐 Regular security audits and employee training
• 🔐 Strict access controls (role-based permissions)

While no system is 100% secure, we continuously monitor and improve our defenses.

7. Cookies & Tracking

Our website uses cookies to:

• Essential: Site functionality, login sessions (cannot be disabled)
• Analytics: Understand traffic patterns (Google Analytics)
• Preference: Remember settings (e.g., language)

You can manage non-essential cookies via your browser settings. Disabling analytics cookies will not affect your policy or service.

8. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete it promptly.

9. Policy Updates

We may update this Privacy Policy periodically. Changes will be posted here with a revised "Last Updated" date. Material changes will be communicated via email or portal notice.

10. Contact Us

Questions? Concerns? Want to exercise your privacy rights?

Silver Anchor Insurance
Attn: Privacy Officer
4000 South Faber Place Drive
Charleston, SC 29405
📞 +1 (415) 406 7667
✉️ [email protected]

You also have the right to lodge a complaint with your state insurance department or the U.S. Federal Trade Commission (FTC).