Privacy Policy

1. Information We Collect

We may collect the following categories of personal information:

Information You Provide Directly

• Full name, date of birth, and government-issued identification numbers (when required for insurance applications)
• Mailing address, email address, and telephone number
• Insurance history, current coverage information, and claims history
• Financial information necessary to process insurance applications or payments
• Health information when relevant to life, health, or long-term care insurance applications
• Driver’s license number and vehicle information for auto and commercial auto insurance
• Business name, address, and operational details for commercial insurance applications
• Any other information you voluntarily provide when contacting us or completing forms

Information Collected Automatically

• IP address and general geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see our Cookie Policy for details)

Information From Third Parties

We may receive information about you from insurance carriers, third-party data providers, credit reporting agencies (for insurance underwriting purposes), and referral partners. All such data use complies with applicable law and the terms of this policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Obtaining and presenting insurance quotes from licensed carriers on your behalf
• Processing insurance applications, policy changes, renewals, and cancellations
• Communicating with you about your insurance coverage, policy status, and renewal dates
• Responding to your inquiries, questions, and service requests
• Providing information about insurance products, services, and educational resources
• Sending marketing communications and newsletters (where you have opted in or where permitted
  by law)
• Complying with legal and regulatory obligations applicable to licensed insurance agencies in
  Georgia
• Detecting, preventing, and addressing fraud, security incidents, or other illegal activity
• Improving our website, services, and the overall customer experience
• Conducting internal analysis and business operations

3. How We Share Your Information

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

With Insurance Carriers and Underwriters

To obtain quotes, process applications, and service your policies, we share your information with licensed insurance carriers and underwriters. These entities have their own privacy practices and are independently responsible for how they handle your information.

With Service Providers

We engage third-party vendors who assist us in operating our website, processing data, and delivering services. These vendors are contractually obligated to use your information only as directed by us and to maintain appropriate security standards.

For Legal and Compliance Purposes

We may disclose your information when required by law, subpoena, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

In Connection With Business Transfers

If we are involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the successor entity. We will notify you of any such change through our website or by direct communication.

4. Data Security

We implement commercially reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use industry-standard practices, we cannot guarantee absolute security of your information.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for the period required by Georgia insurance regulations and applicable federal law.

6. Your Rights and Choices

• Access: You may request access to the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete information.
• Deletion: You may request deletion of your personal information, subject to legal retention
  requirements.
• Opt-Out of Marketing: You may unsubscribe from marketing emails at any time by clicking the
  unsubscribe link in any email or contacting us directly.
• Cookie Preferences: You may manage cookie settings through your browser or our cookie
  consent tool. See our Cookie Policy for details.

To exercise any of these rights, contact us at privacy@oginsurancehq.com or by mail at the address listed below. We will respond to verifiable requests within a reasonable timeframe consistent with applicable law.

7. 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 under 13. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and partner resources. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party site you visit.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the Effective Date at the top of this page and, where appropriate, notify you by email or by a prominent notice on our website. Your continued use of our services following the posting of changes constitutes your acceptance of the updated policy.

10. Contact Us

OG Benefits & Financial Services, LLC | d/b/a OG Insurance HQ
Attn: Privacy Officer | 8735 Dunwoody Place, Suite R, Atlanta, GA 30350
Email: privacy@oginsurancehq.com | Phone: [PHONE NUMBER] | Website:
www.oginsurancehq.com