Privacy Policy

Privacy Policy January 1, 2024

This Privacy Policy is effective as of January 1, 2024, and it was last updated on February 17, 2025.

Scope

Smith Brothers Insurance, LLC, “Smith Brothers Insurance” or “SBI”,” “we,” “our,” or “us”) is committed to respecting your privacy. This Privacy Policy describes how we collect, use, and disclose your personal information, including via our websites (e.g., www.SmithBrothersUSA.com mobile applications, and the services we provide (“Services”), including after we no longer provide those Services to you. Our websites and mobile applications are referred to as the “Sites.” “Personal information” is non-public information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to an individual.

When you use our Services, you agree to our collection, use, and disclosure of personal information about you as described in this Privacy Policy. If you do not provide us with personal information we request, we may not be able to provide you with our Services or your experience when using those Services may be impaired.

A link to a Portable Document Format (PDF) version of this Privacy Policy can be found here: Privacy Request Form .

Personal Information We Collect

Below you will find a chart that describes the categories of personal information we, or service providers or contractors on our behalf, have collected, where that personal information came from, and the purpose for the collection of that personal information, all within the past 12 months from the effective date of this notice. Please note that these are categories of personal information as they are set forth under applicable state laws and across our various product lines. We did not necessarily collect all of the specific pieces of personal information listed for any given person or product. In addition to personal information, we may also collect, use, and/or disclose anonymous, de-identified, and/or aggregate data that is not linked to a particular individual. Our use or disclosure of such information is outside the scope of this Privacy Policy. We only maintain and use such data in a way that does not reasonably identify a particular individual, and we will not attempt to re-identify it, except to test our de-identification process.

For purposes of this Privacy Policy:

• Personal information collected from you or from others on your behalf means that we receive that information from you, your employer or union (e.g., if we administer your employer’s or union’s employee benefits plan), or from entities you refer us to (e.g., your medical provider)

• Operational functions include things like rating, underwriting, and issuing insurance policies, administering benefits, providing brokerage or consulting services under your or your employer’s insurance contract, auditing our products or services, understanding how our Sites are used, improving our services, security, preventing fraud, and for legal compliance purposes.

As reflected above, we process your personal information as necessary for performing our contract or our legitimate interests in informing you about our products and services and providing you with those products and services pursuant to our contract.

Digital Technologies

When you interact with our Sites and Services, certain information about your use may be collected automatically. This includes:

• Details of your visits to and information generated in the course of your use of the Sites (including the timing, frequency, and pattern of service use) including, but not limited to, traffic data, location data, weblogs and other communication data, the resources that you access, and how you reached our Sites;

• Details regarding the device you use to access our Services, including but not limited to your IP address, operating system, and browser type;

• Information about how you interact with our ads and newsletters, including whether you open or click links in any correspondence; and

• Information that you make available to us on social media platforms, such as by clicking on a social media icon linked from our Sites or Services, including your account ID or username and other information included in your posts.

We rely on partners, such as Google Analytics, to provide many features of our Sites and Services and provide us data about your use. This information may be collected through cookies, web beacons, and other tracking technologies, as well as through your web browser or device. These tracking technologies may be used for the following purposes:

• Analytics: Allowing us to understand how our services are being used, track site performance, and make improvements.

• Site Operations: Enabling features that are necessary for providing you the services on our Sites, such as identifying you as being signed in, tracking content views, and remembering your preferences.

You can learn more about Google’s cookies by visiting “How Google Uses Data When You Use Our Partners’ Sites or Apps,” located at www.google.com/policies/privacy/partners/.

If you interact with us through social media, your interaction may allow that social media company to collect digital tracking information about you or your device, including through the use of tracking technologies. Please visit the social media company’s respective privacy policy to better understand its data collection practices and the controls it makes available to you.

If you prefer not to have the benefits of cookies, your internet browser or other third party software on your workstation can be adjusted to treat cookies in different ways. Depending upon the type of browser you are using, you might be  able to configure  your browser: (i) to prompt you to accept or reject cookies on an individual basis; or (ii) to prevent  your browser from accepting any cookies at all. You should refer to the supplier or manufacturer of your web browser for specific details about cookie security. For general information about how to manage cookies, visit www.allaboutcookies.org/manage-cookies/ (please note that this website is not connected to us and we are not responsible for its content). Rejecting cookies might affect your ability to perform certain transactions on our Website and our ability to recognize your browser from one visit to the next.

For more information about your choices with regard to interest based advertising, you may wish to visit the Digital Advertising Alliance’s Consumer information page:  https://www.aboutads.info/consumers/.

Your browser or device may include “Do Not Track” functionality. At this time, we do not alter our Sites’ data collection and use practices in response to Do Not Track signals.

If you engage with our Site’s chat feature, please know that we sometimes use chatbots or other  service provider or contractor services to provide such features. Your conversations with these chatbots provide such service providers and contractors access to the information you enter into the chat, but we contractually require them to only use that information to provide us with their services.

Personal Information Disclosed Within the Past 12 Months 

Below you will find a chart that generally describes the categories of personal information we have disclosed and the purpose for the disclosure of that information, all within the past 12 months from the effective date of this notice.

In addition to the above, in certain circumstances, as permitted by law, we might disclose some information without an explicit authorization from you. For example, we may disclose your personal information to insurance regulatory authorities, law enforcement, and similar authorities to comply with applicable law or legal process, protect our interests, or prevent or prosecute fraud. Your personal information may also be transferred in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. Among our affiliates, we only share your information as permitted by law.

We have not, and do not, sell or share your personal information, as those terms are defined by applicable state law, including for targeted advertising purposes, and we do not use or disclose your sensitive personal information for any purposes other than those permitted by law (e.g., as necessary to provide goods or services you have requested, legal compliance, etc.).

Children’s Information

Our Sites and Services are intended for users age 16 and over. No one under the age of 16 may provide any personal information on the Sites. We do not knowingly collect personal information from children under 16 and therefore, we do not sell or share such personal information. If you are under 16, do not use or provide any information on the Sites. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any such information from or about a child under 16, please contact us at the email address below.

How We Secure Your Information

We use a combination of physical, technical, and administrative safeguards to protect the information we collect through our Sites and Services. While we use precautions to safeguard your information, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.

Your Privacy Rights

You can limit our sharing with our affiliates for their business purposes or our sharing your information with anyone (affiliates and non-affiliates) for marketing purposes by contacting us using the information in the “Contact Us” section below.

Residents of California, including via an authorized agent, have the following rights:

• The right to know what personal information we have collected about you, including the categories of personal information, categories of sources from which we collected the personal information, the purpose for our collection of your personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information we have collected about you, and receive a copy of the same;

• The right to delete personal information we have collected from you, subject to certain exceptions;

• The right to correct inaccurate personal information that we maintain about you;

• The right to opt-out of the sale or sharing (sometimes called “targeted advertising”) of your personal information; and

• The right to not receive discriminatory treatment for exercising your privacy rights.

Certain information we collect may be exempt from these rights, for example, because it is public information (i.e., it is made available by a government entity) or covered by a specific federal privacy law, such as the Gramm-Leach-Bliley Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act.

Certain states (e.g., Arizona, California, Connecticut, Georgia, Illinois, Kansas, Maine, Massachusetts, Minnesota, Montana, Nevada, New Jersey, North Carolina, Ohio, Oregon, Virginia, and Wisconsin) provide consumers with a right to access or correct personal information collected about them. For additional information regarding our privacy practices or your rights, you may contact us using the information in the “Contact Us” section below.

How to Submit a Request to Know, Access, Correct, or Delete

If you have the right to submit a request to know, access, correct, or delete personal information, you or your authorized agent can email your request to generalmailbox@smithbrothersusa.com, call us toll-free at 1-800-426-6946, or submit the webform available at Privacy Request Form page. 

What Happens After You Submit a Request to Know, Access, Correct, or Delete

Following a request to know, access, correct, or delete your personal information, we will take commercially reasonable steps to verify your identity, such as asking you to provide information matching what we have in our files (e.g., contact information). If you are an agent authorized to make a request on another individual’s behalf, please indicate that when submitting your request. Agents must generally provide a signed authorization evidencing their authority to act on behalf of another individual. We will process your request in accordance with applicable law.

Document Retention

We will not retain your personal information for longer than reasonably necessary for the purpose(s) we collected it. How long we retain your personal information depends on a number of criteria, including the nature of our relationship with you, whether you or your employer purchases one of our products, which product, when you last interacted or were insured with us, the type of personal information at issue, and legal considerations.

Consent to Receive Text Messages

You are not required to consent to receiving text messages from Smith Brothers Insurance LLC. By providing your phone number and opting in, you consent to receiving text messages from Smith Brothers Insurance LLC. regarding your inquiry, our services, or related legal matters. Message and data rates may apply. You can opt out of receiving text messages at any time by replying “STOP” to any text message you receive from us. Please note that opting out may limit our ability to communicate with you regarding your inquiry or services.

Information Sharing and Disclosure

We do not sell or rent your personal information to third parties. We do not sell, rent, release, or transfer your SMS consent or phone number to any third party for any third-party marketing purposes. We may share your information in the following circumstances:

Service Providers: We may share your information with our service providers who perform services on our behalf, such as marketing, customer services, or technical support. These service providers are contractually obligated to protect your information and use it only for the services they provide.

Legal Requirements: We may disclose your information if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect our rights, property, or the safety of our users or others.

Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices

Opting Out: You may opt out of receiving marketing communications from us by following the instructions in those communications or contacting us directly. If you opt out, we may still send you non-promotional communications related to a new inquiry, or our ongoing business services.

Access and Update Information: You have the right to access, update, or correct your personal information. To do so, please contact us using the information provided below.

For assistance, text “HELP” ” to any text message or contact us directly at 860-430-3235, you can email us at BeSure@SmithBrothersUSA.com or visit our Privacy Policy

SMS Terms and Conditions

1. Introduction

   Welcome to Smith Brothers Insurance LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. 

   1. SMS Consent Communication

   By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from Smith Brothers Insurance LLC. at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

   2. Types of SMS Communications

   If you have consented to receive text messages, you may receive SMS communications related to the following:

   • Customers: Updates regarding your inquiry, our services, your insurance needs, legal matters or other relevant information.
   • Job Applicants: Information about your application status, onboarding materials, or other employment-related updates.
   Example: “Dear Client, we have received your request. We will update you as soon as possible. For any questions please give us a call. Thank you for opting into SMS messages from Smith Brothers Insurance. To opt out at any time reply STOP.
   

   3. Message Frequency

   Frequency of messages may vary depending on your interactions with us.
   

   4. Potential Fees for SMS Messaging:

   Standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

   5. Opt-In Method:

   You may opt-in to receive SMS messages from Smith Brothers Insurance, LLC in the following ways:

   • Verbally, during a conversation
   • By submitting an online form
   

   6. Opt-Out Method:

   To opt out at any time, reply STOP. Opt-Out Thank you for opting out of SMS message from Smith Brothers Insurance, LLC. No further SMS will be sent except for non-promotional communications related to a new inquiry, or our ongoing business services. To opt back in at any time reply START.

   7. Help:

   For assistance, text “HELP” ” to any text message or contact us directly at 1-800-426-6946 , you can email us at BeSure@SmithBrothersUSA.com or visit our Privacy Policy page.

   • If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

   8. Standard Messaging Disclosures:

   • Message and data rates may apply.
   • You can opt-out at any time by texting “STOP.”
   • For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
   • Message frequency may vary.

Users Outside the United States

If you use our Sites and Services outside the United States, you understand that we collect, process, and store your information in the United States. The laws in the United States regarding personal information may be different from the laws of your jurisdiction. When we transfer personal information to the United States, we do so in accordance with applicable law and subject to appropriate safeguards, including, for example, standard data protection clauses. If you would like more information about our international transfers of personal information, please contact us via the contact information provided in the “Contact Us” section below.

Changes to this Privacy Policy

We may update this Privacy Policy at any time. The “Effective Date” at the top of this page indicates when this Privacy Policy was last revised.

Contact Us

If you have any questions we can be reached either by email at BeSure@SmithBrothersUSA.com by toll-free telephone number at , 1-800-426-6946 or via mail at:

Smith Brothers Insurance
68 National Drive
Glastonbury, CT 06033