Privacy Policy

1. Scope & Commitment

Jewel Basin Insurance Solutions LLC ("JBIS", "we", "us", or "our") respects your privacy and safeguards your information. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you interact with our website, forms, communications, or licensed representatives. We operate with a zero data monetization standard: we do not sell, rent, or trade personal information.

2. Definitions

• Personal Information: Information that identifies, relates to, describes, or can reasonably be linked to an individual or household (e.g., name, contact details, identifiers such as SSN or driver’s license number).
• Insurance Information: Application and underwriting data necessary to obtain quotes, bind coverage, and service policies (e.g., driver, vehicle, property, business, prior loss history).
• Service Providers: Third parties that process data on our behalf under contract (e.g., secure form processors, email service, rating/underwriting platforms).

3. Information We Collect

We collect only what is necessary to quote, place, or service insurance, including:

• Identity and contact data (name, address, email, phone, date of birth).
• Government identifiers when required for underwriting/verification (driver’s license number; Social Security number).
• Risk‑specific data (drivers, VINs, usage, properties, business operations, payroll/receipts, prior coverage and loss history).
• Communications data (messages you send to us by web form, email, text, or phone).
• Payment data (collected by the carrier or secure processor when coverage is bound).
• Technical data (basic analytics and log information; we do not collect sensitive biometrics or precise geolocation through this website).

Sources include: information you provide; publicly available records; prior carriers or loss runs you authorize us to obtain; and carrier/MGA rating systems used to obtain quotes.

4. Our Lawful/Business Purposes

We use personal information solely for legitimate insurance purposes, including:

• Quoting, comparing, and recommending coverage options across carriers.
• Submitting information to carriers/MGAs for underwriting and policy issuance.
• Servicing, billing assistance, renewals, endorsements, and claims facilitation.
• Regulatory, licensing, audit, fraud prevention, and recordkeeping obligations.
• Communicating with you about your request, coverage, or related services (opt‑out available for non‑essential marketing).

5. No Sale; Limited Disclosure

We do not sell or share personal information for monetary or cross‑context behavioral advertising purposes. We disclose information only to:

• Insurance carriers, MGAs, and rating/underwriting platforms for quotes, binding, and servicing.
• Service Providers that support secure processing, communications, or storage — under written agreements limiting use to our documented instructions.
• Regulators and government authorities as required by law, subpoena, or lawful process.

We require recipients to implement appropriate safeguards and to use information only for the insurance transaction you requested.

6. GLBA & Security Safeguards

As an insurance brokerage handling nonpublic personal information, JBIS adheres to the principles of the federal Gramm‑Leach‑Bliley Act (GLBA) and the Safeguards Rule, as applicable to our business. We maintain an information security program that includes:

• Encryption in transit for web forms and email where supported; secure methods for transmitting SSN/DL when requested.
• Role‑based access and least‑privilege practices; authentication controls.
• Vendor due diligence and contractual data protection obligations for Service Providers.
• Reasonable administrative, technical, and physical safeguards against loss, misuse, or unauthorized access.
• Incident response procedures and lawful notifications if a breach affecting your data is confirmed.

7. Retention

We retain personal information only as long as necessary for quoting/servicing, to comply with legal/regulatory retention periods, to establish or defend legal claims, or as required by carrier agreements. When no longer needed, information is securely deleted, anonymized, or archived in accordance with our retention schedule.

8. Your Choices & Rights

• Access/Correction/Deletion: Contact us to request access to, correction of, or deletion of your information. We will honor lawful requests and explain any records we must retain by law or for compliance.
• Marketing Preferences: You may opt out of non‑essential marketing emails or texts at any time. Transactional or servicing communications may still occur.
• State‑Specific Rights: Where applicable state privacy laws provide additional rights (e.g., to know, delete, or limit use of certain data), we will process requests consistent with those laws and verify identity prior to action.

9. Cookies & Analytics

We may use basic first‑party cookies or privacy‑respecting analytics to operate the site and improve functionality. You can adjust your browser settings to block or delete cookies. We do not use cookies for cross‑site behavioral advertising.

10. Children’s Data

Our services are not directed to children under 13, and we do not knowingly collect personal information from children without verifiable parental consent (consistent with COPPA).

11. International Users

We operate in the United States and do not market services outside the U.S. If you access our site from another jurisdiction, you understand your information may be processed in the U.S. and subject to U.S. law.

12. Changes to This Policy

We may revise this Policy from time to time. The “Last updated” date reflects the most recent changes. Your continued use of our site after an update constitutes acceptance of the revised Policy.

13. Contact Us

Kendall Jones
Owner, Jewel Basin Insurance Solutions LLC
Email: kendalljonesins@outlook.com

We collect only what we need to serve you, use it only to quote and service insurance, and never sell your data. That’s our integrity promise.