Privacy Policy

I. Introduction

EZPayInsurance, LLC dba Envela Insurance is committed to protecting your privacy and ensuring the security of your personal information. This policy outlines our practices regarding collecting, using, sharing, and protecting personal data across all states where we operate, in compliance with GDPR, CCPA, CPRA, and other relevant data protection laws.

II. Types of Data Collected

We collect the following personal information:

• Name, address, email, phone number
• Social Security number or other government-issued identification
• Insurance policy information
• Payment information
• Claims history
• Vehicle identification number (VIN) for auto insurance policies

Data is collected through:

• User input on our website and mobile applications
• Phone conversations with our representatives
• Cookies and similar tracking technologies
• Third-party services (e.g., credit reporting agencies)
• Electronic transmission from insurers for auto insurance policies

III. Use and Sharing of Data

We use personal information to:

• Provide and manage insurance services
• Process claims and payments
• Communicate with customers
• Improve our products and services
• Comply with legal obligations, including reporting to state insurance databases

We may share data with:

• Service providers who assist in our operations
• Legal and regulatory authorities when required
• Affiliated companies within our corporate group
• State insurance databases for compliance purposes

IV. Data Storage and Security:

We have implemented commercially reasonable physical, administrative, and technical safeguards to protect your personal information. 

This includes:

• Secure storage on servers with restricted access
• Encryption for sensitive data transmission and storage
• Regular security audits and penetration testing
• Employee training on data protection
• Compliance with industry standards (e.g., PCI DSS for payment data)

V. Your Rights and Choices

You have the right to:

• Access your personal data
• Request corrections to inaccurate data
• Request deletion of your data (subject to legal requirements)
• Opt-out of certain data uses
• Withdraw consent at any time (for GDPR compliance)
• Lodge a complaint with a supervisory authority (for GDPR compliance)

To exercise these rights, you can:

• Contact our privacy office at marketing@envelainsurance.com
• Call us at (866) 368-3521 

VI. Cookie Policy

We use cookies for essential site functionality, analytics, and advertising purposes. You can manage cookie preferences through your browser settings.

VII. Third-Party Involvement

We use third-party services for various functions, and these parties may have access to personal data as required for their services. All third parties are contractually obligated to protect customer data.

VIII. Legal Basis for Processing

We process personal data based on:

• Contractual necessity
• Legal obligations
• Legitimate interests
• Consent (for marketing communications)

IX. Data Retention

We retain personal data for the duration of the customer relationship and as required by law. Insurance policy information is typically retained for [X] years after policy termination.

X. Changes to Privacy Policy

We may update this policy periodically. Significant changes will be notified via email or website announcement. The latest version will always be available at https://envelainsurance.com.

XI. Contact Information

For privacy-related inquiries:

• Email: support@envelainsurance.com
• Phone: (866) 368-3521 
• Mail:
  EZPayInsurance LLC
  2550 Meridian Blvd STE 200
  #7598
  Franklin, TN, 37067

XII. Specific Legal Disclosures

A. California Consumer Privacy Act (CCPA)
and California Privacy Rights Act (CPRA)

For California residents:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising CCPA/CPRA rights

B. California Online Privacy Protection Act (CalOPPA)

• Easy-to-read format
• Third-party links to privacy policies
• User rights and choices

C. Children’s Online Privacy Protection Act (COPPA)

• Provisions for the protection of data collected from children under the age of 13, including parental consent requirements (if applicable)

XIII. Do Not Call Policy

We maintain an internal Do Not Call list and conduct quarterly audits to ensure compliance.

XIV. Data Access and Deletion Requests

We have a process for securely fulfilling data access and deletion requests within 45 days (with a possible 45-day extension if needed).

XV. Compliance with State Insurance Regulations

We comply with state-specific insurance regulations regarding data reporting and privacy, including participation in state electronic insurance verification systems where required.

XVI. Data Protection Officer (DPO) Contact Information

If you have any questions or concerns about our data practices, you can contact our Data Protection Officer at:

• Email: support@envelainsurance.com
• Phone: (866) 368-3521 
• Mail:
  Data Protection Officer
  EZPayInsurance LLC
  2550 Meridian Blvd STE 200
  #7598
  Franklin, TN, 37067

XVII. Automated Data Collection

We automatically collect certain information when you visit, use, or navigate our website. This information does not reveal your specific identity. Still, it may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our website, and other technical information.

XVIII. Third-Party Data Collection

We may receive data from third parties such as analytics providers, advertising networks, and search information providers.

XIX. Detailed Data Sharing Practices

We may share your data with:

• Our affiliates, in which case we will require those affiliates to honor this privacy policy.
• Our business partners to offer you certain products, services, or promotions.
• Third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work.

1. Additional Data Protection Rights

In addition to the rights already mentioned, you have the right to:

• Request restrictions on certain processing of your personal data
• Object to processing of your personal data
• Data portability in certain circumstances

XXI. International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

XXII. Detailed Cookie Information

We use cookies and similar tracking technologies to monitor website activity and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

XXIII. “Do Not Track” Signals

We do not currently respond to “Do Not Track” signals or other mechanisms that might enable consumers to opt out of tracking on our website.

XXIV. Information for Minors

We do not knowingly collect data from or market to children under 18. By using the website, you represent that you are at least 18 or the parent or guardian of such a minor and consent to such minor dependent’s use of the website.

This privacy policy is regularly reviewed and updated to ensure ongoing compliance with U.S. and international privacy regulations and to reflect any changes in our data practices.