Riskara Insurance Group ("Riskara," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the rights you have over your information when you visit riskaragroup.com(the "Site") or otherwise interact with us.

By using the Site or submitting information through any form on the Site, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

a. Information You Provide Directly

When you request a quote, schedule a call, upload documents, or contact us, we collect information you voluntarily submit, which may include:

Name, date of birth, and contact information (email, phone, mailing address)
Driver's license number and driving history
Vehicle information (VIN, year, make, model, mileage, usage)
Business information (legal entity, EIN, USDOT/MC numbers, fleet details)
Driver and employee information for commercial policies (CDL, MVR data)
Financial and operating information for commercial and fleet underwriting
Social Security Numbers, where required for insurance underwriting and only when voluntarily provided
Insurance history, claims information, and loss runs
Any documents, files, or attachments you upload

b. Information Collected Automatically

When you visit our Site, we may automatically collect:

Device and browser information (IP address, browser type, operating system)
Usage data (pages viewed, time on site, referring URL)
Cookies, web beacons, and similar tracking technologies

c. Information from Third Parties

With your authorization, we may obtain information from third parties such as:

Motor Vehicle Records (MVR) and Comprehensive Loss Underwriting Exchange (CLUE) reports
Consumer reporting agencies and credit bureaus where required for insurance underwriting
FMCSA SAFER and other regulatory databases (for commercial auto)
Insurance carriers and prior agencies regarding your insurance history

2. How We Use Your Information

We use the information we collect to:

Provide insurance quotes, applications, and policy services you request
Communicate with you about your applications, policies, and inquiries
Submit applications to insurance carriers and underwriters on your behalf
Verify your identity and assess insurance risk
Comply with legal, regulatory, and licensing obligations
Detect and prevent fraud, abuse, or illegal activity
Improve our website, services, and customer experience
Send marketing communications (only where permitted by law and where you have not opted out)

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

Insurance carriers, underwriters, and managing general agents (MGAs) for the purpose of obtaining quotes, binding coverage, and servicing policies
Service providers and vendors that help us operate our business (e.g., email delivery, document storage, customer relationship management, analytics)
Consumer reporting agencies and verification services for credit checks, motor vehicle records, and identity verification
Regulatory authorities (e.g., state departments of insurance, FMCSA) when required by law
Professional advisors (e.g., attorneys, accountants, auditors)
Successor entities in connection with a merger, acquisition, or sale of all or substantially all of our assets
Law enforcement or government agencies when required by subpoena, court order, or applicable law

4. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to operate the Site, remember your preferences (such as theme and language), analyze how the Site is used, and improve performance. You can control cookies through your browser settings. Disabling cookies may affect the functionality of the Site.

5. Data Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. Sensitive information such as Social Security Numbers is transmitted via encrypted connections. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, regulatory, accounting, or reporting requirements. Insurance records may be retained for periods required by state insurance laws, typically five (5) to seven (7) years after policy termination.

7. Your Rights and Choices

a. All Users

You may:

Request access to the personal information we hold about you
Request correction of inaccurate or incomplete information
Opt out of marketing communications by following unsubscribe instructions or contacting us
Request deletion of your information, subject to legal retention requirements

b. California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (as amended by the California Privacy Rights Act), including the right to know, the right to delete, the right to correct, and the right to opt out of certain sharing of personal information. We do not sell personal information as defined under California law. To exercise your rights, contact us using the information below.

c. Illinois Residents

Illinois residents are protected by the Illinois Insurance Information and Privacy Protection Act (215 ILCS 5/1001 et seq.) and the Illinois Personal Information Protection Act. You have the right to access and correct your personal information held by us in connection with insurance transactions.

d. Texas Residents

Texas residents are protected by the Texas Insurance Code Chapter 601 (Privacy of Personal Information). You have the right to receive notice of our information practices and to access and correct certain information about you in our records.

8. Children's Privacy

The Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will delete it promptly.

9. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

10. International Users

The Site is operated in the United States and intended for users located in the United States. If you access the Site from outside the U.S., your information will be transferred to and processed in the U.S., which may have different data protection laws than your jurisdiction.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Effective Date" at the top reflects the most recent update. Material changes will be communicated by posting a revised Privacy Policy on the Site or, where required by law, by direct notice to you. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions, concerns, or wish to exercise your rights under this Privacy Policy, please contact us:

Riskara Insurance Group
Email: info@riskaragroup.com
Phone: (708) 840-8211