Privacy Policy

Effective Date: December 16, 2024
Last Updated: December 16, 2025

IMPORTANT: BY USING THIS WEBSITE, SUBMITTING ANY FORM, OR PROVIDING ANY INFORMATION TO SUMMITGATE INSURANCE PARTNERS ("WE," "US," "OUR," OR "COMPANY"), YOU EXPRESSLY CONSENT TO THE COLLECTION, USE, STORAGE, SHARING, SALE, AND DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE THIS WEBSITE OR SUBMIT ANY INFORMATION.

1. Acceptance and Consent

By accessing our website, completing any quote request form, providing contact information, or communicating with us in any manner, you explicitly and unambiguously consent to:

• The collection of all information you provide
• The use of your information for any lawful business purpose
• The sharing of your information with third parties
• The sale of your information to third parties
• The storage of your information indefinitely
• Receiving communications from us and our partners via phone, email, text message, and mail
• Being contacted by insurance carriers, brokers, agents, and marketing partners

2. Information We Collect

2.1 Information You Provide Directly

When you use our website or request a quote, we collect all information you voluntarily provide, including but not limited to:

• Personal identifying information (name, date of birth, Social Security number, driver's license number)
• Contact information (phone number, email address, physical address)
• Financial information (income, assets, bank account information, credit card information)
• Health information (medical history, prescriptions, pre-existing conditions, health status)
• Vehicle information (VIN numbers, make, model, year, usage)
• Property information (home details, mortgage information, property value)
• Employment information (occupation, employer, income, business details)
• Insurance history (current coverage, claims history, driving record)
• Family information (spouse details, dependents, beneficiaries)
• Lifestyle information (hobbies, activities, travel plans)
• Any other information you choose to provide

2.2 Information Collected Automatically

We automatically collect technical and usage information when you visit our website:

• IP address and geolocation data
• Browser type and version
• Device information and unique identifiers
• Operating system
• Referring website and pages viewed
• Time and date of visits
• Clickstream data and user behavior
• Cookies, web beacons, and similar tracking technologies

2.3 Information from Third Parties

We may obtain additional information about you from third-party sources including:

• Credit reporting agencies
• Data brokers and marketing companies
• Public records and databases
• Social media platforms
• Insurance carriers and other partners
• Motor vehicle records
• Previous insurance providers

3. How We Use Your Information

We may use your information for any lawful business purpose, including but not limited to:

• Providing insurance quotes and comparing rates
• Processing your insurance applications
• Communicating with you about insurance products and services
• Sharing your information with insurance carriers, brokers, and agents
• Marketing our services and products to you
• Selling or licensing your information to third parties
• Creating consumer profiles and analytics
• Conducting market research
• Improving our website and services
• Complying with legal obligations
• Preventing fraud and protecting our business
• Any other business purpose we determine

4. Information Sharing and Sale

4.1 Third-Party Sharing

WE SHARE YOUR INFORMATION WITH THIRD PARTIES. By providing your information, you consent to us sharing it with:

• Insurance carriers and underwriters
• Insurance brokers, agents, and agencies
• Marketing partners and affiliates
• Lead generation companies
• Data brokers and aggregators
• Analytics and advertising providers
• Service providers and contractors
• Business partners and joint ventures
• Any party in connection with a business transaction (merger, acquisition, sale)
• Law enforcement and government agencies when required or permitted

4.2 Sale of Information

WE MAY SELL YOUR INFORMATION. You expressly consent to us selling, licensing, or otherwise monetizing your information to third parties for their own business purposes, including marketing and advertising. These third parties may use your information to contact you about their own products and services.

4.3 No Control Over Third-Party Use

Once we share or sell your information to third parties, we have no control over how they use, store, or further share your information. Their use of your information is governed by their own privacy policies.

5. Communication Consent

BY PROVIDING YOUR CONTACT INFORMATION, YOU EXPRESSLY CONSENT TO RECEIVE COMMUNICATIONS FROM US AND THIRD PARTIES, INCLUDING:

• Phone calls (including autodialed, pre-recorded, and artificial voice calls)
• Text messages (SMS/MMS)
• Emails
• Physical mail
• Communications from multiple insurance companies, agents, and marketing partners

You understand that:

• You may receive multiple calls, texts, and emails per day
• Standard message and data rates may apply
• Consent is not required to purchase insurance
• You may opt out of communications by following unsubscribe instructions, but this may not stop third parties to whom we've already shared your information

6. Telephone Consumer Protection Act (TCPA) Consent

By providing your telephone number, you expressly consent and agree that we and our insurance carrier partners, agents, affiliates, and marketing partners may contact you at the telephone number you provided, including via:

• Autodialed calls
• Pre-recorded messages
• Artificial voice messages
• Text messages (SMS/MMS)

This consent applies even if your number is on any Do Not Call list. You are not required to provide this consent as a condition of purchasing any goods or services.

7. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to:

• Track your activity on our website
• Remember your preferences
• Serve targeted advertising
• Analyze website performance
• Share data with advertising partners

Third-party advertising networks may also place cookies on your device. By using our website, you consent to the use of these technologies.

8. Data Retention

We retain your information indefinitely unless you request deletion or as required by law. Even if you request deletion, we may retain certain information for legal compliance, fraud prevention, or legitimate business purposes.

9. Data Security

While we implement reasonable security measures to protect your information, we cannot guarantee absolute security. You acknowledge that:

• Internet transmission is not 100% secure
• Unauthorized access or data breaches may occur
• We are not liable for security breaches beyond our control

10. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their privacy practices. Once you leave our website, this Privacy Policy no longer applies.

11. Children's Privacy

Our website is not intended for children under 18. We do not knowingly collect information from children under 18. If we discover we have collected such information, we will delete it.

12. State-Specific Rights

12.1 California Residents (CCPA/CPRA)

California residents have certain rights under the California Consumer Privacy Act (CCPA). However, many insurance activities are exempt from CCPA. To the extent CCPA applies, you may have the right to:

• Know what personal information we collect, use, and disclose
• Request deletion of your personal information
• Opt out of the sale of your personal information
• Non-discrimination for exercising your rights

Notice of Sale: We sell your personal information to third parties. You may opt out by emailing us at privacy@summitgateinsurance.com with "Do Not Sell My Info" in the subject line.

12.2 Other State Rights

Residents of Virginia, Colorado, Connecticut, Utah, and other states with privacy laws may have similar rights. Contact us to exercise these rights.

13. Changes to This Privacy Policy

We may update this Privacy Policy at any time without notice. Changes are effective immediately upon posting. Your continued use of our website after changes constitutes acceptance of the updated policy. We recommend reviewing this policy periodically.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM:

• The collection, use, or disclosure of your information
• Third-party use of your information
• Data breaches or unauthorized access
• Communications from us or third parties
• Any other matter related to your privacy

15. Dispute Resolution and Arbitration

BINDING ARBITRATION: Any dispute arising from this Privacy Policy shall be resolved through binding arbitration in accordance with the Terms and Conditions, not in court. You waive your right to a jury trial and to participate in class actions.

16. Contact Information

For questions about this Privacy Policy or to exercise your rights, contact us at:

SummitGate Insurance Partners
Email: info@summitgateinsurance.com
Phone: (515) 318-8365
Address: Des Moines, Iowa

17. Acknowledgment

BY USING THIS WEBSITE OR PROVIDING YOUR INFORMATION, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY IN ITS ENTIRETY.