Privacy Policy & Data Protection

1. Our Commitment to Your Privacy

At Smart Shield Insurance, located at 1807 Cedar Lane Rd Ste B, Greenville, SC 29617, safeguarding your personal and financial information is our highest priority. This Privacy Policy describes how we collect, use, store, and protect your data in strict compliance with:

• The Gramm-Leach-Bliley Act (GLBA - 15 U.S.C. § 6801 et seq.) governing Nonpublic Personal Information (NPI) in the insurance and financial services sectors.
• The South Carolina Insurance Data Security Act (S.C. Code Ann. § 38-99-10 et seq.) regulated by the South Carolina Department of Insurance (SCDOI).
• The Telephone Consumer Protection Act (TCPA - 47 U.S.C. § 227) and Federal Communications Commission (FCC) guidelines.

2. Information We Collect (Nonpublic Personal Information - NPI)

To provide insurance quotes, issue policies, and manage auto, commercial, general liability, workers’ compensation, and home coverage, we collect information you voluntarily provide:

• Contact & Identity Data: Full legal name, physical and mailing addresses, mobile and work telephone numbers, and email address.
• Driver & Vehicle Details: Date of birth, driver’s license number (South Carolina, out-of-state, or foreign passport), motor vehicle driving record (MVR), Vehicle Identification Numbers (VIN), and vehicle specifications.
• Business & Commercial Information: Company legal name, Employer Identification Number (EIN / Tax ID), operations description, payroll, and employee count.
• Technical Data: IP address, device type, browser settings, and cookies collected via Google Analytics 4 and Google Tag Manager.

3. Purpose of Processing Your Information

We process your data exclusively for legitimate insurance agency purposes:

• Shopping and comparing competitive quotes with licensed insurance carriers in South Carolina.
• Underwriting, binding, and servicing your insurance policies and issuing Certificates of Insurance (COI / ACORD forms).
• Filing mandatory SR-22 certificates with the South Carolina DMV (SCDMV).
• Communicating regarding quotes, renewal dates, and billing via phone, email, text message (SMS), or WhatsApp.
• Complying with South Carolina Department of Insurance regulatory obligations.

4. Strict Policy Against Selling Personal Information

Smart Shield Insurance DOES NOT sell, rent, license, or disclose your personal data to third-party data brokers or marketing lists under any circumstances.

Your information is solely shared with licensed insurance underwriting carriers and trusted technology service providers bound by rigorous confidentiality agreements.

5. Telephone & Text Communications Consent (TCPA Compliance)

By providing your telephone number through our website quote forms or direct contact buttons, you expressly authorize Smart Shield Insurance to call, text (SMS), or message you via WhatsApp regarding your requested quote or active policy.

• Consent is not a required condition of purchasing any insurance product.
• Standard message and data rates may apply from your mobile carrier.
• You may opt out of text messaging at any time by replying "STOP" to any SMS or contacting our office.

6. Data Security & Safeguards (S.C. Code § 38-99)

We maintain reasonable technical, physical, and organizational security measures to protect Nonpublic Personal Information from unauthorized access, loss, or disclosure:

• Secure SSL / TLS encryption (HTTPS) for all transmitted data.
• Role-based access controls restricted exclusively to licensed agents and authorized support personnel.
• Incident response procedures aligned with South Carolina Department of Insurance cybersecurity standards.

7. Children’s Online Privacy Protection Act (COPPA)

Our website is intended for adult consumers and business owners. We do not knowingly solicit or collect personal information from individuals under 13 years of age. If we learn that such data has been collected, we will take immediate steps to delete it.

8. Contact Us & Exercise Your Rights

To inspect, correct, or request updates to your personal records, please reach out to:

📧 Email: Smartshieldinsurance@gmail.com
📞 Phone: +1 (864) 783-5912
🏢 Office Address: 1807 Cedar Lane Rd Ste B, Greenville, SC 29617