This Privacy Policy describes how Contractors Choice Agency (“we,” “us,” or “our”) collects, uses, and protects information you provide when visiting ghostworkerscompensationinsurance.com (the “Site”). By using the Site, you agree to the practices described in this policy.
We collect information you provide directly to us and information collected automatically through your use of the Site.
Information You Provide
- Contact and inquiry data: When you complete a contact or quote request form, we collect your name, business name, email address, phone number, state, and any message content you provide.
- Coverage details: When you request a quote, we collect information about your coverage needs, number of employees, estimated annual payroll, and your current insurance situation.
- Communications: If you contact us by phone or email, we may retain records of those communications.
Information Collected Automatically
- Log data: Our servers automatically record information including your IP address, browser type, operating system, referring URL, pages visited, and timestamps.
- Cookies and tracking technologies: We use cookies and similar technologies to operate the Site, analyze traffic, and improve the user experience. See Section 5 for more information.
- Analytics data: We use third-party analytics services (such as Google Analytics) to understand how visitors interact with the Site. These services may collect information about your activity on the Site and on other websites.
We use the information we collect for the following purposes:
- To respond to your insurance inquiries and provide you with quotes for workers compensation and related coverage.
- To communicate with you about your request, policy options, and any follow-up questions.
- To operate, maintain, and improve the Site and our services.
- To analyze usage patterns and Site performance.
- To send you relevant information about our services, with your consent where required by applicable law.
- To comply with legal obligations and protect our legal rights.
- To detect and prevent fraud, spam, and other harmful activity.
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
- Insurance carriers: To obtain quotes and bind coverage on your behalf, we share relevant details with A-rated admitted insurance carriers. This sharing is necessary to provide the services you request.
- Service providers: We work with third-party vendors that assist us in operating the Site and our business (including hosting, analytics, and form processing providers). These parties access your information only as needed to perform services on our behalf and are obligated to protect it.
- Legal compliance: We may disclose information when required by law, subpoena, court order, or other governmental authority, or when we believe disclosure is necessary to protect our rights or the safety of others.
- Business transfers: In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.
We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed for these purposes, we delete or anonymize it. Insurance-related records may be retained for the period required by applicable state insurance regulations.
We use cookies — small text files stored on your device — and similar tracking technologies to operate the Site and understand how it is used. Categories of cookies we use include:
- Essential cookies: Required for the Site to function properly. These cannot be disabled.
- Analytics cookies: Help us understand how visitors interact with the Site so we can improve it. We use Google Analytics for this purpose.
- Marketing cookies: Used to track visitors across websites for advertising purposes. These are only set with your consent.
You can control cookies through your browser settings. Disabling certain cookies may affect Site functionality. To opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.
Depending on your state of residence, you may have certain rights regarding your personal information, including:
- Access: The right to request a copy of the personal information we hold about you.
- Correction: The right to request that we correct inaccurate or incomplete information.
- Deletion: The right to request deletion of your personal information, subject to certain exceptions.
- Opt-out of marketing: The right to opt out of receiving marketing communications from us at any time. You can do so by contacting us directly or clicking the unsubscribe link in any marketing email.
- California residents: If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt-out of the sale of personal information. We do not sell personal information.
To exercise any of these rights, contact us using the information in Section 9. We will respond within the timeframe required by applicable law.
We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include SSL/TLS encryption for data in transit and access controls on our systems. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security. If you have reason to believe your interaction with us is no longer secure, please contact us immediately.
The Site may contain links to third-party websites. 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 sites you visit.
If you have questions or concerns about this Privacy Policy, or if you wish to exercise your rights, please contact us:
Contractors Choice Agency
Phone: 844-967-5247
Email: info@contractorschoiceagency.com
Licensed in all 50 states
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. We encourage you to review this policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the revised policy.