Privacy Policy

1. Introduction & Scope

Welcome to Farmers District 46 ("District 46," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website. Our website serves three primary purposes:

• Insurance Quotes: To connect you with affiliated insurance agency owners (affiliated agents) who can provide you with insurance quotes and services.
• Recruiting: To recruit qualified candidates for employment with District 46 or for insurance agency ownership opportunities.
• Agency Acquisitions: To facilitate introductions and communications between individuals interested in buying or selling a Farmers agency.

By accessing our website or submitting your information to us, you consent to the data practices described in this Privacy Policy.

2. Information We Collect

We collect several types of information for our business purposes:

• Identifiers & Contact Information: Name, email address, phone number, mailing address, IP address, and device identifiers.
• Insurance Quote Data: Information necessary to generate an accurate insurance quote, which may include driver and vehicle details, property information, prior insurance and loss history, date of birth, and driver’s license numbers.
• Recruiting & Career Data: Professional information you provide, such as your resume/CV, work history, education, professional licenses, references, and notes from interviews or assessments.
• Agency Acquisition & Succession Data: Information related to your interest in buying or selling an agency, such as your general preferences, agency size metrics (e.g., policies in force, premium), desired transition timelines, and contact information. Please do not submit confidential financial data through our website's general contact forms. Such information should only be exchanged after executing a mutual Non-Disclosure Agreement (NDA).
• Website Usage & Analytics Data: Information about your interaction with our site, such as pages viewed, time spent on pages, referral source, general geographic location, and device/browsing patterns, collected through cookies and similar technologies.
• Sensitive Personal Information: We do not intentionally collect sensitive personal information (such as Social Security Numbers, financial account numbers, or precise geolocation) through our public-facing website forms. If this information is required for a specific purpose like underwriting or a background check, we will request it through a secure channel and only with your explicit consent.

3. How We Collect Information

We collect information from the following sources:

• Directly from you when you fill out forms, call us, send us texts or emails, or otherwise communicate with us.
• From our affiliated agents who may receive and follow up on your inquiries.
• From our trusted service providers, such as Applicant Tracking Systems (ATS), Customer Relationship Management (CRM) platforms, analytics providers, and communication platforms.
• From publicly available sources and other lawful data providers, where permitted.

4. How We Use Your Information

Your information is used for the following specific purposes:

• To Provide Insurance Quotes: To route your inquiry to one or more affiliated agents, obtain quotes on your behalf, and facilitate ongoing policy servicing and remarketing.
• For Recruiting Purposes: To evaluate your qualifications for employment or agency ownership, conduct assessments, schedule interviews, and communicate with you about career opportunities.
• To Facilitate Agency Acquisitions: To connect potential buyers and sellers, facilitate initial introductions, and help coordinate the transition process.
• For Marketing & Communications (with your consent): To send you information about insurance products, career opportunities, or acquisition news via phone, SMS/text, email, or automated systems.
• For Operations & Compliance: To maintain website security, prevent fraud, comply with our legal and regulatory obligations, and enforce our Terms & Conditions.

5. Communications Consent (TCPA)

By providing your phone number and submitting a form on our website, you provide your express written consent for District 46 and its affiliated agents to contact you regarding your inquiry. This contact may be made via:

• Live-person or automated phone calls (including autodialed and/or prerecorded voice messages).
• Text (SMS) messages.
• Email communications.

Your consent is not a condition of purchasing any goods or services or of being considered for employment. Message and data rates may apply. You may revoke your consent at any time. To opt out, reply STOP to any text message, use the "unsubscribe" link in any email, or contact us directly at [email protected]. For help with text messages, reply HELP. We maintain records of consent, including the time, source, and context of the opt-in.

6. Sharing and Disclosure of Information

We do not sell your personal information. We may share your information with the following parties under specific circumstances:

• Affiliated Agents: To fulfill your request for an insurance quote or to follow up on a career inquiry.
• Service Providers: With vendors and partners (e.g., CRM, ATS, analytics, messaging platforms) who perform services on our behalf and are bound by confidentiality agreements.
• Parties to an Agency Acquisition: We may share basic contact and summary information with a prospective buyer or seller. Confidential financial data will only be shared subject to a signed NDA between the relevant parties.
• Legal & Regulatory Authorities: When required by law, court order, or other governmental or regulatory request.

7. Cookies, Analytics, and 'Do Not Track'

We use cookies and similar technologies for website functionality, to analyze performance, and (with your consent) for targeted advertising. You can manage your preferences through our Cookie Settings tool. Some web browsers may transmit 'Do Not Track' (DNT) signals. As there is no industry-wide standard for responding to DNT signals, we do not alter our practices when we receive one.

For residents of California and other states with similar laws, you have the right to opt-out of the 'sale' or 'sharing' of your personal information for cross-context behavioral advertising. You can exercise this right via the 'Do Not Sell or Share My Personal Information' link on our website or by emailing [email protected].

8. Your State Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• The right to know, access, and receive a copy of the personal data we hold about you.
• The right to correct inaccuracies in your personal data.
• The right to delete your personal data, subject to certain exceptions.
• The right to opt-out of the sale or sharing of your data for targeted advertising.
• The right to limit the use of your sensitive personal information.
• The right to non-discrimination for exercising your privacy rights.

To submit a request, please email us at [email protected] We will verify your identity before processing your request and will respond within the timeframes required by law.

9. Insurance Information (GLBA)

Personal information collected for the purpose of quoting or obtaining an insurance policy is also protected under the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy laws. We will provide you with carrier-specific privacy notices upon request, which detail how insurance carriers handle your data.

10. Recruiting & Equal Opportunity

• EEO: We are an Equal Opportunity Employer. All employment and agency ownership opportunities are offered without regard to race, colour, religion, sex, national origin, age, disability, or any other status protected by law.
• Independent Contractor Status: Agency ownership is an independent contractor opportunity, not an offer of employment. We make no guarantees or representations about earnings or success.
• Background Checks: We will only conduct background checks with your separate, written authorisation where permitted by law.

11. Call and Meeting Recording

For quality assurance, training, and compliance purposes, we may record phone calls or virtual meetings. Where required by law (in two-party consent states), we will announce that the call is being recorded and obtain consent from all parties to proceed. You may request to communicate through a non-recorded channel.

12. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. In the event of a data breach that affects your personal information, we will notify you and any applicable regulatory authorities as required by law.

13. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected:

• Insurance Quote Data: 7 years
• Recruiting Data: 3 years after the position is filled or the last contact, unless a longer period is required by law.
• Acquisition Inquiry Data: 3 years These retention periods may be extended if required for litigation, regulatory audits, or other legal obligations. After the retention period expires, we will securely delete or de-identify the information.

14. Children's Privacy

Our website is not intended for or directed at individuals under the age of 16. We do not knowingly collect personal information from children. To be considered for employment or agency ownership, you must be at least 18 years of age.

15. Accessibility

We are committed to making our website accessible and usable for all people. We strive to meet the Web Content Accessibility Guidelines (WCAG) 2.1 AA. If you require assistance, please email [email protected] or call us at [Insert District Phone Number].

16. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we do, we will post the revised policy on this page with an updated "Effective Date." Your continued use of our website after such changes constitutes your acceptance of the new policy.

17. Contact Us

For any questions or concerns, please contact us:

• Privacy Inquiries: [email protected]
• Compliance & Opt-Outs: [email protected]
• Accessibility: [email protected]
• Phone: +91 9561356532