Privacy Policy & Terms and Conditions
Metro Insurance Services ("we," "our," or "us") is committed to protecting your privacy, providing transparent communication, and respecting intellectual property rights. This document outlines our policies regarding the collection, use, and sharing of your personal information (Privacy Policy), the terms and conditions of our SMS communication services (SMS Policy), and the process for submitting copyright infringement claims under the Digital Millennium Copyright Act (DMCA Takedown Request Policy). By using our website, services, or engaging with us, you agree to the terms outlined in these policies.
CHANGES TO OUR POLICIES
We may update or modify these policies from time to time to reflect changes in our services, legal requirements, or other considerations. Any updates will be posted on our website with a revised effective date. Continued use of our services after changes have been posted constitutes your acceptance of the updated terms.
RETENTION OF INFORMATION
We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. After the retention period, we securely delete or anonymize your personal data to ensure it is no longer identifiable. For questions about our retention practices, please contact us.
PRIVACY POLICY
We may collect certain types of information in the use of our products and services. This includes personal information when you apply for a quote, request to bind a policy, or when you use our services, contact us, or interact with our website. This may also include information such as Name, Email address, Phone number, Billing information (if applicable) and Information regarding your business and insurance. When you visit our website, we may automatically collect certain information automatically, including IP address, Browser type and version, Pages you visit and time spent on them and Device information (e.g., operating system). We may use your information to provide and improve our services, send you updates, promotions, and notifications, to respond to your inquiries or requests, or to comply with legal obligations or enforce our terms and conditions. We take reasonable steps to protect your personal information, including using secure servers and encryption where appropriate, limiting access to personal data to authorized personnel only and regularly reviewing and updating our security practices. However, no system is completely secure, and we cannot guarantee the security of your information. We do not sell, trade, or rent your personal information to third parties. We may share your information if required by law, to comply with a legal obligation, or to protect our rights. Depending on your location, you may have certain rights rights regarding your personal information. This may include requesting a copy of the personal information we have about you, requesting corrections to inaccurate or incomplete information, requesting that we delete your personal information or opting out of receiving promotional emails or text messages. To exercise these rights, please contact us at service@metroinsurance.com. We use cookies and similar technologies to analyze website traffic and user behavior, enhance your browsing experience and deliver personalized content. You can manage your cookie preferences through your browser settings. Our website may include links to third-party websites. We are not responsible for the privacy practices or content of these external sites. Please review their privacy policies before providing any personal information. We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised effective date.
CALIFORNIA PRIVACY RIGHTS (CCPA)
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA). In the past 12 months, we may have collected personal information including your name, email address, phone number, mailing address, IP address, and other similar identifiers. We may also have collected records of services purchased or considered, as well as other purchasing or consuming histories or tendencies. Additionally, we may have collected browsing history, search history, and interactions with our website or advertisements. If location services are enabled on your device, we may have collected geolocation data. As a California resident, you have the right to know what personal information we collect, how we use it, and with whom we share it. You also have the right to request that we delete any personal information we have collected about you, subject to certain exceptions such as fulfilling legal obligations or completing transactions. Please note that Metro Insurance Services does not sell personal information to third parties. To exercise your rights under the CCPA, you may contact us by email at service@metroinsurance.com or by phone at 714-573-7200. We may require you to provide specific information to verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf, provided the agent submits proof of authorization and verification of their identity. Metro Insurance Services will not discriminate against you for exercising any of your rights under the CCPA.
COPYRIGHT INFRINGEMENT NOTICE & TAKEDOWN POLICY
metroinsurance.com (“Metro Insurance Services”) abides by the federal Digital Millennium Copyright Act (“DMCA”) by responding to written notifications of alleged infringement by legitimate copyright holders by removing material residing on our website, metroinsurance.com. If you are a copyright owner and you believe that your work is being infringed upon on our website, we encourage you to contact Metro Insurance Services with an informal request for content removal. When you contact Metro Insurance Services please provide the exact URL (the “address” or “location” of the page as shown by your web browser) of the content and provide enough information to substantiate your claim of copyright ownership. You must support your concern with a link to your publication, a scanned page of the work, and enough publication details for Metro Insurance Services to evaluate your request. Informal requests for content removal should be emailed to: service@metroinsurance.com. Alternatively, you may initiate a formal DMCA takedown process of copyright infringement notification to Metro Insurance Services, via a written communication (by postal mail, overnight mail, or, when digitally-signed, by email) to our copyright agent. The takedown notice must substantially comply with the provisions of 17. U.S.C. § 512(c)(3)(A). Submission of a takedown notice further requires that you consent to the jurisdiction of a United States court. Statutory requirements of a valid DMCA takedown notice include:
Identification of the copyrighted work that you claim has been infringed;
Identification of the specific material that is claimed as infringing and information sufficient to permit Metro Insurance Services to locate that material on our website (providing a URL is the best way to help us locate the content quickly);
A statement that you believe, in good faith, that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or by law;
If you are not the copyright owner, a description of your relationship to the copyright owner;
Your contact information, including your name, address, telephone number, and email address;
A statement, under penalty of perjury, that the information in the notification is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner; and
A physical or electronic signature of a person authorized to act on behalf of the copyright owner.
RESPONSE TO NOTIFICATIONS
Following receipt of a proper written notification, Metro Insurance Services will expeditiously respond to your request. If it involves a DMCA request, we will remove or disable the allegedly infringing content. We may suspend or terminate access to the account portions of our website for users that repeatedly or egregiously infringe the copyrights of others.
COMPLIANCE POLICY
Metro Insurance Services is committed to ensuring ease of use for all users. We strive to enhance our website and services for all individuals. If you encounter any barriers or have suggestions for improvement, please call us or contact us at service@metroinsurance.com. We regularly review our website to address issues and improve our services so that everyone can comfortably use our products and services.
CONTACT US
If you have any questions or concerns about this Privacy Policy, please contact us:
Email: service@metroinsurance.com
Phone: 714-573-7200
Address: 17421 Irvine Blvd. Tustin, CA 92780
The terms above are provided for general informational purposes and does not constitute legal advice. For more specific compliance needs (e.g., GDPR, CCPA, HIPAA), consider consulting with a legal professional.
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SMS MESSAGING TERMS AND CONDITIONS AND OPT-IN INFORMATION
More information about our SMS policies are available here in our SMS Opt-in page.
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Last Updated: 12/27/2024