877.651.9563

390 S. Woods Mill Rd, Ste100, Chesterfield MO 63017

 

Privacy Policy

  1. INTRODUCTION: Blue Chip Consortium, LLC, a Missouri limited liability company ("we," "us," or "our") is an independent insurance brokerage firm committed to protecting the privacy and confidentiality of our clients and website visitors. This Privacy Policy explains in detail how we collect, use, share, and protect your personal information. By using our services or visiting our website, you agree to the terms of this policy.

  2. DESCRIPTION OF COLLECTED DATA: We collect personal information about you when you use our website. Without it, we would not be able to provide all of our services. This information includes:
    1. Personal Identification Information:
      1. Full name
      2. Contact information (email address, phone number, mailing address)
      3. Date of birth
      4. Social Security number or Tax Identification Number (for policy applications)
    2. Business Information:
      1. Company name and structure
      2. Industry and business activities
      3. Number of employees
      4. Annual revenue
      5. Business locations
    3. Insurance History and Claims Information:
      1. Current and past insurance policies
      2. Claims history
      3. Risk management practices
    4. Financial Information:
      1. Bank account details (for premium payments)
      2. Credit information (for underwriting purposes)
      3. Financial statements (for larger commercial policies)
    5. Website Usage Data:
      1. IP address
      2. Browser type and version
      3. Operating system
      4. Pages visited and time spent
      5. Referring website
      6. Search terms used

  3. HOW WE USE YOUR INFORMATION: We use the personal information that we collect as outlined in this Privacy Policy:
    1. Providing Insurance Brokerage Services:
      1. Assessing insurance needs
      2. Obtaining and comparing quotes from various insurers
      3. Recommending appropriate coverage
      4. Assisting with policy applications and renewals
    2. Processing Insurance Applications and Claims:
      1. Submitting applications to insurance carriers
      2. Facilitating claims reporting and processing
      3. Liaising between clients and insurers during claims
    3. Communication:
      1. Sending policy information, renewals, and updates
      2. Providing risk management advice
      3. Responding to inquiries and service requests
    4. Improving Our Products and Services:
      1. Analyzing customer needs and preferences
      2. Developing new insurance products
      3. Enhancing customer service processes
    5. Legal and Regulatory Compliance:
      1. Verifying identity for anti-money laundering regulations
      2. Reporting to insurance regulators as required
      3. Responding to legal requests and subpoenas

  4. INFORMATION SHARING AND DISCLOSURE: In order to provide our services to you, we share some of your personal information with third-parties, as outlined below:
    1. Insurance Carriers:
      1. Sharing necessary information to obtain quotes and bind policies
      2. Communicating claims information
    2. Third-Party Service Providers:
      1. IT and data storage providers
      2. Payment processors
      3. Marketing and analytics services
      4. Legal and accounting professionals
    3. Legal and Regulatory Authorities:
      1. Responding to court orders and legal investigations
      2. Reporting to insurance commissioners and other regulators
    4. Business Transfers:
      1. In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity

        We maintain contracts with third parties to ensure they handle your information in compliance with this policy and applicable laws.

  5. DATA SECURITY: We implement a variety of security measures to protect your personal information:
    1. Encryption of sensitive data in transit and at rest
    2. Regular security audits and penetration testing
    3. Employee training on data protection and privacy
    4. Access controls and authentication procedures
    5. Physical security measures at our offices and data centers

      While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure.

  6. YOUR RIGHTS: You have the following rights regarding your personal information:
    a. Access: You can request a copy of the personal information we hold about you.
    b. Correction: You can ask us to correct any inaccurate or incomplete information.
    c. Deletion: You can request that we delete your personal information, subject to legal retention requirements.
    d. Restriction: You can ask us to restrict the processing of your information under certain circumstances.
    e. Portability: You can request a copy of your information in a structured, commonly used, machine-readable format.
    f. Objection: You can object to our processing of your information for direct marketing purposes.
    To exercise these rights, please contact us using the contact information provided in Section VIII.

  7. CHANGES TO THIS POLICY: We may update this Privacy Policy periodically to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:
    1. Posting a notice on our website
    2. Sending an email to the address we have on file; and
    3. Providing a pop-up notice when you next visit our website.

      All changes are effective immediately when we post them, and apply to all access to and use of the website thereafter.

      Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

      We encourage you to review this policy regularly to stay informed about how we protect your information.

  8. CONTACT US: If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

    Blue Chip Consortium, LLC

    Attn: Privacy Officer, 390 S. Woods Mill Road, Suite 100, Chesterfield, MO 63017

    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

    Phone: (314) 640-2320

  9. ADDITIONAL INFORMATION:
    1. Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your browsing experience and analyze website traffic. You can manage your cookie preferences through your browser settings.
    2. International Data Transfers: If we transfer your data across national borders, we ensure appropriate safeguards are in place to protect your information and comply with applicable data protection laws.
    3. Retention of Information: We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.
    4. Children's Privacy: Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
    5. Do Not Track Signals: We currently do not respond to "Do Not Track" browser signals.
    6. California Privacy Rights: California residents may have additional rights under the California Consumer Privacy Act (CCPA). Please contact us for more information.

Member Companies