Privacy Policy

Blue Monarch LLC (“Agency,” “we,” “us,” or “our”) is an Arizona insurance agency committed to protecting the privacy and security of personal information entrusted to our customers, applicants, policyholders, and other individuals.

This Privacy Policy and Notice of Information Practices explains how we collect, use, disclose, retain, and protect personal information in connection with our insurance services. This notice is intended to address applicable requirements of Arizona law, including the Arizona Insurance Information and Privacy Protection Act, A.R.S. §§ 20-2101 et seq., and applicable federal privacy requirements, including the Gramm-Leach-Bliley Act (“GLBA”).

1. Information We Collect

Depending on the insurance products or services you request, Blue Monarch LLC may collect:

• Name,      address, telephone number, email address, and other contact information;
• Date      of birth and identifying information;
• Driver's      license and motor vehicle information;
• Social      Security number or other government-issued identification information;
• Property      information;
• Employment      and occupation information;
• Financial      information;
• Insurance      history, claims history, and policy information;
• Medical      or health information when relevant to an insurance transaction;
• Information      concerning beneficiaries, household members, drivers, or other individuals      associated with an application or policy;
• Information      obtained from consumer reporting agencies, insurance-support      organizations, insurers, government agencies, public records, or other      third parties; and
• Information      you provide through our website, online forms, email, telephone calls,      applications, or other communications.

2. How We Collect Information

We may collect information directly from you or from third parties, including insurance carriers, other insurance professionals, consumer reporting agencies, insurance-support organizations, public records, government agencies, and service providers, as permitted by law.

3. How We Use Your Information

Blue Monarch LLC may use personal information to:

• Obtain      insurance quotes and proposals;
• Evaluate      insurance applications;
• Determine      eligibility for insurance products;
• Place      and service insurance coverage;
• Communicate      with you regarding your policies;
• Process      payments;
• Assist      with claims and policy changes;
• Detect      and prevent fraud or unlawful activity;
• Perform      administrative, accounting, compliance, and business functions;
• Maintain      and secure our systems and records;
• Comply      with legal and regulatory requirements; and
• Perform      other activities permitted or required by law.

4. When We May Disclose Information

We do not sell your personal information in exchange for monetary consideration.

We may disclose personal information when permitted or required by applicable law, including to:

• Insurance      companies and insurance carriers;
• Insurance      producers, brokers, agents, and other insurance professionals;
• Insurance-support      organizations;
• Claims      administrators and adjusters;
• Third-party      administrators;
• Service      providers and vendors performing services on our behalf;
• Consumer      reporting agencies;
• Financial      institutions and payment processors;
• Attorneys,      accountants, auditors, and professional advisers;
• Government      agencies and insurance regulators;
• Law      enforcement agencies;
• Courts      or parties to legal proceedings when legally required; and
• Other      persons or organizations when authorized by you or permitted by law.

5. Service Providers

Blue Monarch LLC may share information with vendors and service providers that assist us with functions such as information technology, cloud storage, customer relationship management, document management, electronic signatures, communications, accounting, payment processing, cybersecurity, and other business operations.

We expect such providers to use information only for authorized business purposes and to maintain appropriate confidentiality and security safeguards.

6. Federal Financial Privacy

Because insurance activities may involve financial products or services covered by the Gramm-Leach-Bliley Act (“GLBA”), applicable federal privacy requirements may apply to information we collect from consumers.

Blue Monarch LLC will comply with applicable federal privacy requirements concerning the collection, use, and disclosure of nonpublic personal information.

7. Your Arizona Privacy Rights

Subject to applicable exceptions and limitations, Arizona law may provide you with rights concerning personal information collected in connection with an insurance transaction, including the ability to:

• Request      access to recorded personal information maintained about you;
• Obtain      information concerning the nature and substance of such information; and
• Request      correction, amendment, or deletion of inaccurate or incomplete      information.

To exercise an applicable privacy right, please contact Blue Monarch LLC using the contact information below.

8. Accuracy of Information

We take reasonable steps to maintain accurate and complete information.

If you believe information maintained by Blue Monarch LLC is inaccurate or incomplete, you may contact us and request that the information be reviewed and corrected as permitted by applicable law.

9. Protection of Personal Information

Blue Monarch LLC maintains administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

These safeguards may include access controls, authentication procedures, employee confidentiality requirements, security training, encryption, secure transmission technologies, cybersecurity measures, secure document handling, vendor security requirements, and secure disposal procedures.

10. Website and Online Information

When you visit our website, we may collect certain technical information, including IP address, browser type, device information, pages visited, and information concerning how you interact with our website.

We may use cookies, analytics technologies, or similar technologies to operate, secure, and improve our website.

If our website uses advertising, analytics, tracking, or other technologies that collect additional information, we may provide additional disclosures or choices where required by applicable law.

11. Electronic Communications

If you communicate with Blue Monarch LLC by email, online form, text message, or other electronic means, we may retain those communications as part of our business and insurance records.

Please do not send sensitive information through ordinary email or other unsecured electronic communication unless we have instructed you to do so or provided a secure method.

12. Medical and Health Information

Certain insurance products may require the collection of medical or health information.

When applicable, Blue Monarch LLC will handle such information in accordance with applicable federal and state privacy laws and any additional requirements applicable to the insurance product or transaction.

13. Children's Information

Our services are generally intended for adults and are not directed toward children.

We do not knowingly request or collect personal information from children through our website except when necessary for an insurance transaction involving a child and provided by a parent, guardian, or other authorized person.

14. Retention of Information

Blue Monarch LLC retains personal information for as long as reasonably necessary to provide insurance services, maintain business and insurance records, satisfy contractual and legal obligations, resolve disputes, prevent fraud, comply with regulatory requirements, and fulfill other legitimate business purposes.

15. Former Customers

We continue to protect personal information concerning former customers in accordance with applicable law and our information-security practices.

16. Changes to This Policy

Blue Monarch LLC may update this Privacy Policy and Notice of Information Practices from time to time to reflect changes in our business practices, technology, or applicable law.

When required by law, we will provide an updated privacy notice to customers and policyholders.

17. How to Contact Us

If you have questions about this Privacy Policy, wish to request access to personal information, believe information we maintain is inaccurate, or wish to exercise an applicable privacy right, please contact:

Blue Monarch LLC
 

Phone: (480) 696-1879
Email: eneida@bluemonarchfinancialgrp.com
Website: https://bluemonarchfinancialgrp.com

Privacy requests should be clearly identified as a “Privacy Request” and should include sufficient information for us to identify the individual and locate the applicable records.

18. Important Notice

This Privacy Policy is intended as a general privacy and information-practices notice. It does not create contractual rights beyond those provided by applicable law and does not replace any privacy notice, disclosure, authorization, consent, or other notice that may be required for a particular insurance product, transaction, carrier, or applicable federal or state law.

Where a specific insurance carrier provides a privacy notice applicable to information it collects or maintains, that carrier's notice may also apply.

Blue Monarch LLC will comply with applicable federal and Arizona privacy requirements and will provide required notices and disclosures in the manner and at the times required by law.