Privacy Policy

One Team Insurance LLC ("One Team Insurance," "we," "our," or "us") is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide when you visit our website, contact us for insurance inquiries, or engage with our services. Please read this policy carefully. By using our website or services, you consent to the practices described herein.

1. Information We Collect

We may collect the following categories of personal information:

1.1 Information You Provide Directly

• Contact Information: Name, mailing address, email address, and telephone number when you submit a contact form or request a quote.
• Insurance Inquiry Data: Details about the type of coverage you are seeking, existing policies, property information, vehicle information, business details, and other information relevant to evaluating insurance options.
• Communication Records: Records of your email, phone, or written communications with our team.

1.2 Information Collected Automatically

• Log Data: IP address, browser type, operating system, referring URLs, pages visited, and time spent on our website.
• Cookies and Tracking Technologies: We use cookies and similar technologies to improve site performance, remember your preferences, and analyze traffic patterns. See Section 4 for details.
• Device Information: Information about the device you use to access our website, including hardware model and browser version.

1.3 Information from Third Parties

We may receive information about you from insurance carriers, data brokers, or business partners as permitted by applicable law, to help us provide more accurate quotes and better service.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your insurance inquiries and provide personalized coverage recommendations.
• To process and facilitate insurance quote requests on your behalf with licensed carriers.
• To communicate with you via phone, email, or mail regarding your inquiry or account.
• To improve our website, services, and customer experience.
• To comply with legal obligations and regulatory requirements applicable to insurance brokers operating in Pennsylvania.
• To send marketing communications about our services, subject to your right to opt out at any time.
• To detect and prevent fraud, unauthorized activity, or legal liability.
• To analyze website usage and measure the effectiveness of our marketing efforts.

3. Legal Basis for Processing

We process your personal information under the following legal bases:

• Consent: Where you have provided explicit consent for a specific use of your information.
• Contractual Necessity: Where processing is necessary to fulfill a service you have requested.
• Legitimate Interests: Where we have a legitimate business interest that does not override your fundamental rights.
• Legal Obligation: Where processing is required to comply with Pennsylvania law, federal law, or insurance regulatory requirements.

4. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. We use the following types of cookies:

• Essential Cookies: Required for the website to function properly. These cannot be disabled.
• Analytics Cookies: Used to understand how visitors interact with our website (e.g., Google Analytics). This data is aggregated and anonymized where possible.
• Preference Cookies: Remember your settings and preferences to provide a more personalized experience.

You may control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. We do not currently respond to "Do Not Track" signals from browsers.

5. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Insurance Carriers and Partners: To obtain quotes or bind coverage on your behalf, we share relevant information with licensed insurance carriers and their authorized representatives.
• Service Providers: We engage third-party vendors who provide services such as website hosting, email delivery, CRM software, and analytics, subject to confidentiality obligations.
• Legal Requirements: We may disclose information when required by law, court order, regulatory authority, or to protect the rights and safety of our clients or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to standard confidentiality protections.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are typically retained for a minimum of five (5) years in accordance with Pennsylvania Department of Insurance requirements. Marketing preferences and contact records may be retained until you request deletion.

7. Data Security

We implement industry-standard technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure Socket Layer (SSL/TLS) encryption for data transmitted through our website.
• Access controls limiting personal data to authorized personnel only.
• Regular security assessments and staff training on data protection practices.
• Secure storage of physical records at our Philadelphia office.

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete information.
• Right to Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Right to Opt Out of Marketing: Unsubscribe from marketing communications at any time by contacting us or clicking "unsubscribe" in any email.
• Right to Data Portability: Request your data in a structured, machine-readable format where technically feasible.

To exercise any of these rights, please contact us at support@oneteaminsurancellc.com or call 215-475-2577.

9. California Consumer Privacy Act (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. California residents may submit requests by contacting us directly. We will not discriminate against you for exercising your CCPA rights.

10. Pennsylvania Jurisdiction

One Team Insurance LLC operates under the laws of the Commonwealth of Pennsylvania and is subject to the oversight of the Pennsylvania Department of Insurance. Our data practices comply with applicable Pennsylvania state law, including consumer protection regulations. This Privacy Policy is governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania.

11. Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at support@oneteaminsurancellc.com and we will promptly delete such information.

12. Third-Party Links

Our website may contain links to third-party websites, including insurance carriers and other service providers. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

13. Email and Phone Communication Consent

By submitting a contact form or providing your contact information, you consent to receive communications from One Team Insurance LLC via email and telephone, including calls and text messages, regarding your insurance inquiry. Standard message and data rates may apply. You may opt out of marketing communications at any time.

14. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. We will notify you of material changes by posting the updated policy on our website with a revised effective date. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: