Effective Date: January 01, 2026

Last Updated: August 12, 2026

ABOUT THIS POLICY

Prime Harbor Insurance, LLC, doing business as Prime Harbor Insurance (“Prime Harbor,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy and Consumer Privacy Notice (“Policy”) explains how we collect, use, disclose, protect, and retain personal information when you visit our website, submit a quote or application request, communicate with us, use our forms or quote-intake tools, call us, text us, email us, use our chat tools, or otherwise interact with Prime Harbor Insurance.

SCOPE OF THIS POLICY

This Policy applies to information collected through:
• primeharborinsurance.com and any related subdomains
• Online quote-intake forms, quizzes, surveys, and applications
• Phone calls, including recorded calls, voicemails, and call transcripts
• Text messages, SMS communications, and email communications
• Chat widgets, automated voice tools, and conversational interfaces
• Customer relationship management (CRM) systems and policy management tools
• Insurance carrier, rating, application, and underwriting workflows
• Advertising, analytics, retargeting, and website tracking technologies
• Offline communications, in-person meetings, and service requests

Prime Harbor Insurance, LLC is a Louisiana-licensed independent insurance agency. We help consumers review insurance options including auto insurance, renters insurance, final expense insurance, and other personal and commercial insurance products where carrier appointments and licensing permit.

BUSINESS INFORMATION

• Legal Entity: Prime Harbor Insurance, LLC
• Friendly Name: Prime Harbor Insurance
• Website: primeharborinsurance.com
• Phone: 504-949-4760
• General Email: info@primeharborinsurance.com
• Privacy and Legal Email: legal@primeharborinsurance.com
• Privacy Inquiries Email: privacy@primeharborinsurance.com
• Claims Email: claims@primeharborinsurance.com
• Business Address: 900 Camp St, STE 3 STE 1272, New Orleans, LA 70130
• Resident License State: Louisiana
• Agency National Producer Number (NPN): 18388732
• BBB Status: BBB Accredited, A+ Rating

INFORMATION WE COLLECT

We collect information that you provide directly, information created through your interactions with us, and information from third parties when needed to provide insurance services.

Identification and Contact Information

• Full legal name and any prior names
• Mailing address, garaging address, or property address
• Email address
• Phone number(s)
• Preferred contact method and best time to contact you
• Date of birth
• Communication history and notes

Quote and Application Information

When you request an insurance quote, begin a quote-intake quiz, complete an application, or request coverage assistance, we may collect information needed to review your request. This may include:
• Driver information including name, date of birth, gender, education level, and marital status
• Driver license type, status, and license state. We do not collect full driver license numbers through our website forms.
• Vehicle year, make, model, body style, primary use, ownership status, garaging ZIP, and Vehicle Identification Number (VIN) when provided
• Household driver and resident details
• Current and prior insurance carrier, coverage limits, and policy continuity status
• Coverage preferences and budget considerations
• Claims history and accident or violation history
• Property information for renters or homeowners coverage
• Business or commercial use information, where applicable
• Final expense eligibility information including age, tobacco use, and basic underwriting indicators
• Beneficiary or household information for life and final expense products
• Other information reasonably needed to prepare, review, submit, service, or discuss an insurance quote or application

Sensitive Information We Intentionally Do Not Collect Through Our Website

To protect your privacy, Prime Harbor Insurance does not collect the following information through public website forms, quizzes, or chat widgets:
• Social Security Numbers
• Full driver license numbers
• Full payment card numbers
• Bank account or routing numbers
• Detailed medical records or protected health information (PHI)

If any of the above information is required to complete a quote, application, or policy transaction, it will be collected through a secured carrier portal, by phone, or through a separately authenticated process.

Limited Health and Eligibility Information

For final expense insurance and other life-related products, we may collect limited eligibility information. This may include basic age, tobacco use, height, weight, general eligibility responses, and other information required by a carrier, rater, or application process.

Detailed health information, medical records, and protected health information are not collected through public website forms. When required for a specific carrier transaction, such information is handled through carrier-approved processes that may include secure portals, telephone interviews, or carrier-direct applications.

Payment and Policy Information

We may collect or receive information about:
• Policy numbers and quote reference numbers
• Billing preferences and payment frequency
• Premium amounts and payment status
• Policy effective dates, renewal dates, and lapse or cancellation status
• Carrier correspondence and policy documents
• Service requests and endorsements

Prime Harbor uses carrier-approved payment processes. Do not submit full payment card information, bank account numbers, or routing numbers through general website contact forms, email, text message, or chat.

Communications, Calls, and Recordings

All phone calls with Prime Harbor Insurance may be recorded.

We may collect:
• Call recordings and voicemails
• Call transcripts and automated voice interaction records
• Text message records and chat transcripts
• Email correspondence
• Notes from conversations and meeting summaries

We use these records for quality assurance, training, documentation, service, compliance, dispute resolution, fraud prevention, and customer support.

Website, Device, Analytics, and Advertising Information

When you visit our website, we may collect:
• IP address, browser type, operating system, and device type
• Pages viewed, links clicked, and time spent on pages
• Form-start, form-completion, and form-abandonment events
• Quote button clicks and call button clicks
• Referring source and search keywords where available
• Location signals inferred from device, browser, or IP data
• Cookie identifiers, advertising identifiers, and analytics identifiers

We may use tools such as Google Tag Manager, Google Analytics, Google Ads tags and conversion tracking, Meta Pixel, CRM tracking scripts, call tracking services, chat widgets, automated conversational tools, and similar technologies.

HOW WE USE INFORMATION

We may use personal information for the following purposes:
• Respond to quote and information requests
• Prepare, review, and submit insurance quotes and applications
• Submit information to insurance carriers, raters, and underwriting platforms
• Verify information needed for underwriting, eligibility, or service
• Contact you by phone, text, email, chat, or mail about your insurance request
• Service active policies and assist with claims questions
• Send reminders, follow-ups, renewal notices, and review requests
• Send educational insurance information and product updates
• Cross-sell or offer related coverage where permitted by law
• Improve our website, forms, quote-intake process, and customer experience
• Maintain CRM records, policy management records, and audit trails
• Train staff and improve call quality
• Prevent fraud, unauthorized access, identity theft, or misuse
• Comply with legal, regulatory, carrier, licensing, and contractual obligations
• Measure advertising performance, analytics, and marketing effectiveness

HOW WE SHARE INFORMATION

We may share information with third parties when needed to provide insurance services, operate our business, comply with law, or support customer requests.

Insurance Carriers and Insurance Partners

We may share your information with insurance carriers, underwriting teams, rating platforms, brokerage partners, general agencies, IMOs, FMOs, MGAs, and other insurance-related partners when necessary to quote, apply for, issue, service, renew, or manage insurance coverage.

Service Providers

We may share information with vendors and service providers that help us operate the business, including:
• CRM and customer database providers
• Website hosting, security, and infrastructure providers
• Form, quiz, and survey tools
• Email, SMS, and communications platforms
• Automated voice, chat, and conversational tools
• Call recording and phone system providers
• Analytics and advertising platforms
• Payment processors and billing platforms
• Document storage, e-signature, and file-sharing providers
• Compliance, legal, accounting, and professional service providers

These providers are expected to use information only as needed to provide services to Prime Harbor Insurance, subject to confidentiality obligations and applicable law.

Legal, Compliance, and Safety Reasons

We may disclose information when we believe it is necessary to:
• Comply with law, regulation, subpoena, court order, or government request
• Respond to insurance regulators, carriers, or licensing authorities
• Protect our rights, property, customers, agency, systems, or business operations
• Prevent fraud, abuse, unauthorized access, or illegal activity
• Enforce our terms, agreements, or policies

Business Transfers

If Prime Harbor Insurance is involved in a merger, acquisition, sale, restructuring, transfer of assets, or similar business transaction, customer information may be transferred as part of that transaction, subject to applicable law.

We do not sell your personal information for monetary consideration.

California, Colorado, Connecticut, Utah, Virginia, Texas, Oregon, and other state residents should review the Privacy Rights and Choices section below for additional rights and disclosures applicable in their state.

CONSUMER FINANCIAL PRIVACY AND NONPUBLIC PERSONAL INFORMATION

Because Prime Harbor Insurance provides insurance-related financial services, certain information we collect may be considered nonpublic personal information under the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy regulations.

We may collect nonpublic personal information from:
• Applications, quote requests, and intake forms
• Forms, surveys, and online quote-intake tools
• Your transactions with us, our affiliates, or insurance carriers
• Consumer reporting agencies and verification sources, where permitted by law
• Insurance carriers, underwriting systems, and service providers
• Communications with you, including recorded calls and chat transcripts

We use and disclose this information only as needed to provide insurance services, service policies, comply with legal or regulatory requirements, prevent fraud, or operate our business consistent with GLBA, state insurance privacy regulations, and other applicable laws.

To request additional information about our financial privacy practices, contact privacy@primeharborinsurance.com.

TEXT MESSAGING, PHONE CONTACT, AND TCPA CONSENT

By submitting a quote request, application request, contact form, quiz, survey, or other inquiry through our website or any Prime Harbor Insurance channel, you authorize Prime Harbor Insurance to contact you by phone, text message, email, voicemail drop, or other communication method regarding your insurance request and related insurance services.

You understand and agree that:
• Your consent is not a condition of purchase of any insurance product or service.
• Prime Harbor Insurance may use automated dialing technology, prerecorded messages, or artificial voice technology to contact you at the phone number(s) you provide.
• Message and data rates may apply to text communications.
• Message frequency varies based on your insurance status and engagement.
• You may opt out of marketing text messages at any time by replying STOP. You may request help by replying HELP or contacting us at info@primeharborinsurance.com.
• Opting out of marketing text messages does not prevent Prime Harbor Insurance from contacting you when legally permitted or necessary for servicing existing policies, transactional matters, compliance, claims-related matters, or fraud-prevention purposes.

This consent satisfies the requirements of the Telephone Consumer Protection Act (TCPA) and analogous state laws.

CALL RECORDING NOTICE

All phone calls with Prime Harbor Insurance may be recorded.

By continuing a call with us after notice of recording, you consent to the recording where consent is required by federal or state law.

Call recordings may be used for:
• Quality assurance and agent training
• Documentation of customer requests and authorizations
• Customer service and dispute resolution
• Quote and application review
• Compliance with insurance regulatory and carrier requirements
• Fraud prevention and verification
• Legitimate business operations

If you do not wish to be recorded, you may discontinue the call and contact us in writing at info@primeharborinsurance.com or legal@primeharborinsurance.com.

COOKIES, ANALYTICS, ADVERTISING, AND TRACKING TECHNOLOGIES

Prime Harbor Insurance may use cookies, pixels, tags, scripts, web beacons, and similar technologies to operate the website, measure performance, improve user experience, and support advertising.

These technologies may help us understand:
• Which pages and content visitors view
• Which buttons and forms visitors interact with
• Which quote flows are started, completed, or abandoned
• Which advertising sources or search results led visitors to the website
• How visitors interact with forms, quizzes, and conversion paths
• How to measure and improve marketing effectiveness

We may use services such as Google Analytics, Google Tag Manager, Google Ads conversion tracking and remarketing, Meta Pixel and Meta advertising tools, CRM and call tracking services, chat and automated voice tools, conversational tools, and similar technologies.

You can control cookies through your browser settings. Some website features may not function properly if certain cookies are disabled. You may also exercise opt-out preferences through our cookie consent banner where applicable.

For more information, see our Cookie Policy.

DATA SECURITY

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction.

These safeguards may include:
• Encryption of data in transit using TLS/HTTPS protocols
• Access controls, role-based permissions, and password protection
• Multi-factor authentication for sensitive systems
• Bot mitigation, rate limiting, and form security tools including CAPTCHA
• Vendor security review and contractual data protection requirements
• Data minimization principles in form and intake design
• Internal procedures, training, and access logging

No website, CRM, phone system, email platform, text platform, or internet transmission can be guaranteed completely secure. You should not submit highly sensitive information through general contact forms, unsecured email, text message, or chat unless specifically instructed through a secure process.

DATA RETENTION

We retain personal information for as long as reasonably necessary to:
• Respond to your request and provide insurance services
• Maintain quote, application, policy, and communication records
• Comply with carrier, regulatory, legal, tax, and licensing obligations
• Resolve disputes and enforce agreements
• Prevent fraud and protect our business operations

Retention periods may vary depending on the type of information, insurance product, carrier requirements, licensing obligations, and applicable law.

Insurance records are typically retained for a minimum of seven (7) years from policy termination and may be retained longer where required by carrier contracts, state insurance regulations, or other applicable law.

YOUR PRIVACY RIGHTS AND CHOICES

Depending on your state of residence, you may have specific rights regarding your personal information. Prime Harbor Insurance honors verified consumer privacy requests as required by applicable law.

Universal Choices Available to All Consumers

All consumers may contact us to:
• Request access to certain information we maintain about you
• Request correction of inaccurate information
• Request deletion where legally available and not subject to retention requirements
• Opt out of marketing emails using the unsubscribe link or by contacting us
• Opt out of marketing text messages by replying STOP
• Ask questions about our information-sharing practices
• Request that we limit certain non-essential marketing communications

California Residents

California residents have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including:
• Right to Know what personal information is collected, used, shared, or sold
• Right to Delete personal information held about you, subject to exceptions
• Right to Correct inaccurate personal information
• Right to Opt-Out of the “sale” or “sharing” of personal information
• Right to Limit Use and Disclosure of Sensitive Personal Information
• Right to Non-Discrimination for exercising your privacy rights

To exercise California rights, see our “Do Not Sell or Share My Personal Information” page or contact privacy@primeharborinsurance.com.

Other State Residents

Residents of Colorado, Connecticut, Utah, Virginia, Texas, Oregon, and other states with comprehensive privacy laws may have similar rights, including rights to access, correct, delete, and opt out of certain processing activities.

Contact privacy@primeharborinsurance.com to exercise these rights.

How to Submit a Privacy Request

To make a privacy request, contact privacy@primeharborinsurance.com with the following information:
• Your full name and contact information
• State of residence
• Nature of the request, such as access, correction, deletion, or opt-out
• Sufficient information for us to verify your identity

We may need to verify your identity before processing certain requests. We will respond within the timeframes required by applicable law, generally within 45 days of a verified request.

Some information cannot be deleted or restricted if it is needed for legal, regulatory, carrier, fraud-prevention, policy-servicing, claims, accounting, or other legitimate business purposes.

Authorized Agents

California residents may designate an authorized agent to make privacy requests on their behalf. The authorized agent must provide written authorization signed by the consumer, and we may verify the identity of both the consumer and the agent.

EMAIL COMMUNICATIONS

You may unsubscribe from marketing emails by using the unsubscribe link in the email or by contacting us.

We may still send service-related or transactional emails, including communications related to quote requests, applications, policies, claims, appointments, compliance, or customer service.

CHILDREN’S PRIVACY

Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13 through our website.

If you believe a child has submitted personal information to us, contact privacy@primeharborinsurance.com so we can review and address the request.

HEALTH INFORMATION AND HIPAA

Prime Harbor Insurance may collect limited eligibility or underwriting-related information for final expense or other insurance products.

Prime Harbor Insurance is not a health care provider and is not generally a HIPAA-covered entity. Depending on the product, carrier, and transaction, certain health-related information may be handled under applicable privacy, insurance, carrier, consumer protection, or health privacy requirements.

If HIPAA or another health privacy rule applies to a specific transaction, carrier process, or business relationship, Prime Harbor Insurance will handle applicable information consistent with the relevant legal and contractual requirements.

THIRD-PARTY WEBSITES AND CARRIER PORTALS

Our website may link to insurance carriers, claims portals, payment portals, rating tools, calendars, review platforms, or other third-party websites.

Prime Harbor Insurance is not responsible for the privacy practices, content, security, or policies of third-party websites. Review the privacy policy and terms of any third-party website before submitting information.

REVIEWS, TESTIMONIALS, AND PUBLIC COMMUNICATIONS

Prime Harbor Insurance may use review tools, including Google Business Profile review tools, Trustpilot, Better Business Bureau, and other review platforms.

If you submit a public review, testimonial, rating, or feedback on a third-party platform, that information may be visible to the public according to the platform’s terms and privacy policy.

We may request reviews from customers through email, text message, or other communication methods where permitted by law and your consent.

INTERNATIONAL VISITORS

Prime Harbor Insurance is licensed and operates in the United States. Our website is intended for residents of the United States.

If you are visiting our website from outside the United States, your information may be transferred to, stored in, and processed in the United States, where data protection laws may differ from those of your country.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or business operations.

When we update this Policy, we will revise the “Last Updated” date above and post the updated Policy on our website.

Material changes will be communicated through reasonable notice. Your continued use of our website or services after changes are posted means you acknowledge the updated Policy.

CONTACT US

For privacy, legal, or data-related questions, contact:

Prime Harbor Insurance, LLC
Attention: Privacy Officer
900 Camp St, STE 3 STE 1272
New Orleans, LA 70130
Phone: 504-949-4760
Privacy Email: privacy@primeharborinsurance.com
Legal Email: legal@primeharborinsurance.com
General Email: info@primeharborinsurance.com