Privacy Policy for Royal Diamond Agency
Effective Date: June 15, 2026
At Royal Diamond Agency, we are committed to protecting your privacy and the confidentiality of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, interact with our services, or apply for insurance products through us. We adhere to applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and New York-specific regulations such as the NY SHIELD Act and 23 NYCRR Part 500 (Cybersecurity Regulation).
1. Information We Collect
We collect various types of information to provide you with insurance brokerage services, improve our website, and comply with legal obligations. This information may include:
A. Information You Provide Directly to Us
When you engage with us, you may provide personal information, such as:
- Contact Information: Name, address, email address, phone number.
- Identification Information: Social Security number, driver's license number, passport information, date of birth.
- Financial Information: Payment details, income, credit history (with your consent).
- Insurance-Related Information: Details about your current and past insurance policies, claims history, property information, vehicle information, health information (for life and health insurance applications), and other data necessary for underwriting and policy administration.
- Employment Information: For commercial insurance or employee benefits applications.
B. Information We Collect from Third Parties
To accurately assess your insurance needs and provide competitive quotes, we may obtain information from third-party sources, including:
- Insurance Companies: Information regarding your existing policies and claims history.
- Consumer Reporting Agencies: Motor vehicle records (MVRs), credit reports, and claims loss underwriting exchange (CLUE) reports, as permitted by law.
- Medical Information Bureaus: For life and health insurance applications, with your explicit consent.
- Public Records: Information from government agencies or publicly available databases.
C. Information Collected Automatically
When you visit our website, we may automatically collect certain information about your device and browsing activity. This data helps us improve our website's functionality and user experience:
- Technical Data: IP address, browser type and version, operating system, device identifiers.
- Usage Data: Pages visited, time spent on pages, referral sources, clickstream data.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can manage your cookie preferences through your browser settings.
2. How We Use Your Information
We use the collected information for various legitimate business purposes, including:
- Providing Insurance Services: To process your applications, obtain quotes, bind coverage, service your policies, and assist with claims.
- Communication: To respond to your inquiries, send important updates, marketing communications (with your consent), and administrative notices.
- Compliance and Legal Obligations: To comply with federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), New York's Stop Hacks and Improve Electronic Data Security Act (SHIELD Act), and the New York Department of Financial Services (NYDFS) Cybersecurity Regulation (23 NYCRR Part 500). This includes maintaining a cybersecurity program, conducting risk assessments, and fulfilling annual privacy notice requirements as per 11 CRR-NY 420.5.
- Fraud Prevention and Security: To protect against fraudulent activities, unauthorized access, and ensure the security of our systems and your data.
- Website Improvement: To analyze website usage patterns, troubleshoot technical issues, and enhance the user experience.
- Internal Operations: For internal auditing, data analysis, and business planning.
3. Disclosure of Your Information
We do not sell your personal information to third parties for marketing purposes. We may disclose your information to the following entities, as necessary to provide our services or as required by law:
- Insurance Carriers: To obtain quotes, underwrite policies, and administer coverage.
- Service Providers: Third-party vendors who assist us with operations such as data processing, IT support, marketing, and claims handling. These providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.
- Regulatory and Law Enforcement Agencies: When required by law, court order, or to cooperate with regulatory investigations, including those by the NYDFS.
- Affiliates and Business Partners: With your consent, or as necessary to provide integrated services.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.
4. Data Security
We implement robust physical, electronic, and procedural safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction, in compliance with the NY SHIELD Act and 23 NYCRR Part 500. Our security measures include encryption, access controls, secure networks, regular risk assessments, and employee training on data privacy and cybersecurity best practices. Despite our efforts, no security system is impenetrable, and we cannot guarantee the absolute security of your information transmitted over the internet.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal and regulatory obligations (including those set by the NYDFS), resolve disputes, and enforce our agreements. The retention period may vary depending on the type of information and the applicable legal requirements.
6. Your Choices and Rights
You have certain rights regarding your personal information:
- Cookie Preferences: You can manage your cookie settings through your browser to refuse or delete cookies.
To exercise any of these rights, please contact us using the information provided below.
7. Children's Privacy
Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children without parental consent. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it promptly.
8. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post the revised policy on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we are protecting your information.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Royal Diamond Agency
225 Route 82, Suite 5, Fishkill, NY 12524
845.862.2707
info@royaldiamondagency.com