INTRODUCTION
Welcome to the website managed by Assurant Financial (“we,” “us,” or “our”). We deeply respect your privacy and understand the trust you place in us. This Privacy Policy outlines our commitment to safeguarding your personal information and how we handle it.

CONSENT & USE
By accessing and using this website, you agree to our collection and use of your information as outlined in this Privacy Policy. Be assured that your information will not be shared, distributed, or leased to any third party outside of what is described here. Each visit to our website will be governed by the Privacy Policy in effect at that time.
If you have any concerns or do not agree with the terms of this Privacy Policy, we encourage you to avoid using our website or limit the information you provide to us.

For any questions or concerns, you can reach us at:
Email: [email protected]
Mail: Assurant Financial, 405 Main St, Houston, TX 77002
Phone: 1-855-206-4786

COLLECTION OF USER INFORMATION
We may collect personal details at various points throughout your interaction with our website to enhance your experience. Examples include:

• Placing an order or requesting service/product information.
• Signing up for an account or registering on the website, which may include providing your name, address, phone number, and email.
• Participating in surveys, contests, or promotional offers.
• Providing payment details for purchases or services.
• Sharing your email address for communications or subscribing to updates.
• Engaging in live chat or customer service sessions.

PURPOSE OF INFORMATION COLLECTION
We collect personal information to:

• Process requests and orders efficiently.
• Allow users to quickly retrieve relevant information.
• Notify users about our latest products, services, and updates.

For example, if there is an issue with your order, we or an authorized representative may use your contact details to reach out to you directly.

LIVE CHAT AND CLICK-TO-CHAT SERVICES

Information shared during live chat sessions may be stored for future reference. By using these services, you consent to Assurant Financial and its representatives collecting and retaining your details.
Information provided in live chat interactions is purely for guidance and should not be the sole basis for decision-making. Assurant Financial and its affiliates are not liable for any reliance on this information.
Avoid sharing sensitive details like your Social Security Number, date of birth, or payment information during these sessions. Sharing such information is at your own risk, and Assurant Financial is not responsible for potential consequences.

CHOICE TO SHARE INFORMATION

You can opt not to provide personal details when interacting with us. However, this may limit access to certain features or services requiring such information.

DEFINITIONS

Cookies: Small data files stored on your browser to improve website functionality. You can manage cookie settings through your browser, but disabling them may impact site performance.
Anonymous Data: General data collected to understand user preferences without linking it to personal information.
Google Analytics: Tools provided by Google to analyze website usage patterns using cookies. To opt out, visit: http://www.networkadvertising.org/managing/opt_out.asp.
Google AdWords: A platform that tracks browsing behavior to display relevant ads. Opt-out options are available at the same link above.

CHILDREN’S PRIVACY

Assurant Financial adheres to the Children’s Online Privacy Protection Act (COPPA). We do not knowingly collect personal information from anyone under the age of 13.

CALIFORNIA PRIVACY RIGHTS

If you are a California resident, you have specific rights under privacy laws, including:

The right to request, once a year, details about personal data shared with third parties for marketing in the prior year.
Rights under the California Consumer Privacy Act (CCPA), such as:

• Knowing what personal data we collect and its sources.
• Understanding how your data is used or shared.
• Requesting the deletion of your data (subject to certain exceptions).
• Opting out of the sale of your personal data.

Assurant Financial is committed to respecting these rights and ensuring the safety of your data.

Exercising Your Rights Under the CCPA

1. Contacting Us
To exercise your rights under the California Consumer Privacy Act (CCPA), you may:

• Call us toll-free at 1-855-206-4786.
• Email us at [email protected].

Requests can be made on behalf of yourself or your minor child. Alternatively, you may appoint an authorized representative. If appointing a representative, they must provide written permission to act on your behalf or present a power of attorney issued by a Probate Court. Verification of their identity will also be required. If adequate proof is not provided, we may be unable to process the request.

To ensure accurate processing, you must provide sufficient information that allows us to:

• Confirm your identity or the identity of your authorized agent.
• Understand, evaluate, and appropriately address your request.

You are not required to create an account with us to submit a request. However, we allow a maximum of two verified consumer requests per individual within a 12-month period.

2. Accessing Information and Data Portability
You have the right to request details about how we have handled your personal information over the past 12 months. Once we verify your request, we will disclose:

• The categories and specific details of personal information we have collected.
• The sources from which the information was obtained.
• The purpose for collecting or, if applicable, selling the data.
• The third parties or entities with whom the information was shared.
• If applicable, whether we sold or disclosed your personal data, including:
• A list of data categories sold, along with the recipient categories.
• A list of data categories disclosed for business purposes, along with the recipient categories.

3. Requesting Data Deletion
You may request the deletion of personal information we have collected, subject to certain exceptions. For example, we may retain data for legal obligations, to process transactions, or to fulfill specific consumer requests.

4. Response Timeline and Process
Upon receiving a request to access or delete information, we will confirm receipt and provide details on the verification process. Verified requests will be processed within 45 days, though certain circumstances may require up to 90 days to respond fully.

We do not charge a fee for processing or responding to verified requests unless the request is repetitive, excessive, or unfounded. In such cases, we will provide a detailed explanation and an estimated cost before proceeding.

Non-Discrimination Policy
We value all our users and will not treat you unfairly for exercising your CCPA rights.

Changes to Our Privacy Policy
Assurant Financial reserves the right to update this Privacy Policy as necessary. Any updates will be posted on this page, and we encourage you to review this policy periodically.

External Website Links

Our website may include links to other sites. Please note that these third-party websites operate independently and may have their own privacy policies. Assurant Financial is not responsible for the content or practices of these sites. We recommend reviewing the privacy policies of any external website you visit.

Surveys, Contests, and Promotions
From time to time, Assurant Financial may invite users to participate in surveys, contests, or sweepstakes. Participation is entirely voluntary, and you have full control over what information you provide. Data collected through these activities may include contact details (e.g., name, mailing address) and demographic information (e.g., age, zip code). We may use this data to:

Notify winners and distribute prizes.
Evaluate website traffic and improve user experience.
All activities will be governed by applicable laws and the specific terms and conditions provided at the time of participation.

Sharing and Disclosure of Information
Assurant Financial does not sell your personal information to third parties. However, we may share your information with trusted affiliates and service providers for purposes such as website maintenance, marketing, and fulfilling customer requests.

In certain circumstances, we may be required to disclose personal information to comply with legal obligations or respond to lawful requests from government authorities. Additionally, if Assurant Financial undergoes a business transition, such as a merger or acquisition, your data may be transferred as part of the transaction.

Data Security
We employ industry-standard measures to protect your personal information. However, please note that no system is completely secure, and we cannot guarantee absolute protection of your data.

Communication Preferences
Occasionally, we may send you promotional emails or updates. You may opt out of these communications at any time by replying with “unsubscribe” or contacting us directly.

Policy Updates
We may revise this Privacy Policy periodically. All updates will be published on this page, and we recommend checking back regularly.

Contact Information
If you have questions, feedback, or concerns about this Privacy Policy or wish to exercise your rights, please reach out to us:

Phone: 1-855-206-4786
Email: [email protected]
Address: 405 Main St, Houston, TX 77002