Effective Date: November 14, 2026
Bizrek Insurance ("Bizrek," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit bizrek.com (the "Site"), subscribe to communications, or engage our insurance advisory services.
1. Scope
This policy applies to information processed through the Site, client portals, email, phone consultations, and in-person meetings managed by Bizrek. It does not govern insurance carriers, payment processors, or other third parties that maintain their own privacy practices, though we encourage you to review their policies when you interact with them.
2. Information we collect
2.1 Information you provide
- Identity and contact data such as name, email, and policy numbers when you submit forms;
- Insurance application data including property descriptions, vehicle details, payroll, loss history, and beneficiary designations;
- Payment-related metadata when you authorize premium financing (we do not store full card numbers on Bizrek servers);
- Communications you send to advisors, including claims photos and supporting documents;
- Marketing preferences and newsletter subscriptions.
2.2 Information collected automatically
When you browse the Site, we may collect device identifiers, browser type, operating system, referring URLs, pages viewed, and timestamps through cookies or similar technologies. We use this data to secure the Site, analyze performance, and improve content relevance.
2.3 Sensitive information
Insurance workflows sometimes involve health information for life or disability underwriting, or financial statements for commercial bonding. We collect sensitive data only when necessary for placement and with your explicit consent or as permitted by law.
3. How we use personal information
We process information to:
- Respond to quote requests and service inquiries;
- Submit applications to carriers and service active policies;
- Provide claims advocacy and renewal planning;
- Operate client portals, e-signatures, and certificate delivery;
- Send transactional notices such as policy changes or billing reminders;
- Deliver educational newsletters when you opt in;
- Detect fraud, abuse, or security incidents;
- Comply with legal, regulatory, and contractual obligations.
We do not sell personal information to data brokers or unrelated marketers.
4. Legal bases for processing
Depending on your location, we rely on one or more of the following bases: performance of a contract, legitimate interests in operating and securing our business, compliance with legal obligations, and consent where required—for example, for marketing emails or certain sensitive data uses.
5. Sharing and disclosure
We may share information with:
- Insurance carriers and underwriters to rate, bind, and service policies;
- Service providers such as hosting, email delivery, analytics, and document management vendors bound by confidentiality obligations;
- Professional advisors including auditors and legal counsel when necessary;
- Authorities when required by subpoena, court order, or regulatory inquiry;
- Successors in connection with a merger or acquisition with notice to you where legally required.
Aggregated or de-identified data that cannot reasonably identify you may be used for industry benchmarking.
6. Cookies and tracking
Essential cookies keep sessions secure and remember form progress. Analytics cookies help us understand navigation patterns. You can adjust browser settings to refuse cookies, though some Site features may not function correctly. We do not currently respond to "Do Not Track" signals because no uniform standard exists.
7. Data retention
We retain records according to insurance regulations and business needs. Application materials and correspondence are typically kept for the life of the policy plus applicable statutory periods. Marketing lists are refreshed regularly, and unsubscribed emails are suppressed within a reasonable processing window.
8. Security measures
We implement administrative, technical, and physical safeguards including encryption in transit, role-based access controls, and staff training on phishing prevention. No method of transmission is completely secure; please notify us promptly if you suspect unauthorized access to your account.
9. Your choices and rights
Depending on applicable law, you may have rights to access, correct, delete, or restrict processing of your personal information, as well as to object to certain processing or request portability. Marketing emails include unsubscribe links, or you may use our Unsubscribe page. To exercise privacy rights, contact us through the Contact Us form with enough detail for verification.
9.1 Children's privacy
The Site is not directed to children under sixteen. We do not knowingly collect their information. If we learn that data was collected in error, we will delete it.
10. International visitors
Servers and service providers may be located in multiple regions. By using the Site, you understand that information may be processed where data protection laws differ from those in your residence. We implement appropriate safeguards for cross-border transfers when required.
11. Third-party links
Links to carrier sites, regulators, or educational resources are provided for convenience. Bizrek is not responsible for their content or data handling. Review their privacy statements before submitting personal information.
12. Changes to this policy
We may update this Privacy Policy to reflect new technologies, products, or legal requirements. Updates will be posted with a revised effective date. Material changes affecting existing clients will be communicated through the portal or email where appropriate.
13. Contact
Privacy questions or requests may be submitted via the Contact Us form. We are committed to resolving concerns fairly and promptly.