Privacy Policy

Cape Insurance Services ("we," "us," or "our") is an independent insurance agency in Georgia. This Privacy Policy explains what personal information we collect through this website and while helping you with insurance, how we use and share it, how we protect it, and the choices and rights you have. We handle personal information as required by applicable law, including the Georgia Insurance Information and Privacy Protection Act (O.C.G.A. Title 33, Chapter 39) and Title V of the federal Gramm-Leach-Bliley Act.

Who we are

Cape Insurance Services
1329 E Union Street, Vienna, GA 31092
Phone: 229-268-4812
Email: capeinsuranceservices@gmail.com

We are a partner agency of Purpose Insurance Group.

Information we collect

Information you give us. When you use our website, request a quote, apply for coverage, or contact us, you may give us information such as your name, address, phone number, email address, date of birth, driver's license number, vehicle and property details, prior insurance and claims history, business details, and other information needed to quote, place, or service insurance.

Information from other sources. In connection with a quote, application, renewal, or claim, we or the insurance companies we work with may collect information from sources other than you, as permitted by law. These may include insurance companies, consumer reporting agencies (for example, credit-based insurance information where permitted), motor vehicle records (MVRs), claims history databases such as CLUE reports, property and vehicle data providers, and public records. Information from an insurance-support organization's report may be kept by that organization and disclosed to others as permitted by law.

Information collected automatically on our website. Like most websites, our site and its hosting provider may automatically collect technical information such as your IP address, browser type, device information, pages visited, and dates and times of visits. This may be collected using cookies or similar technologies. See "Cookies and analytics" below.

We do not ask for Social Security numbers, payment card numbers, bank account numbers, or health information through the forms on this website. Please do not send that information through our website forms or by regular email. If it is needed for your insurance, we will tell you a secure way to provide it.

How we use information

We use personal information to:

• Respond to your questions and quote requests
• Shop, quote, apply for, place, and service insurance for you
• Help with policy changes, renewals, billing questions, and claims
• Communicate with you about your policies and our services
• Detect and prevent fraud, misrepresentation, and other unlawful activity
• Comply with laws, regulations, and requests from insurance regulators and other authorities
• Operate, maintain, and improve our website and services

Any questions we ask solely for marketing or research purposes will be clearly identified as such.

How we share information

We do not sell your personal information. We do not share it with companies outside our agency for their own marketing.

We share personal information only as needed to help with your insurance and as permitted or required by law, including with:

• Insurance companies we work with, so they can quote, underwrite, issue, service, and handle claims on your policies
• Purpose Insurance Group, the agency network we are a partner of, to support placing and servicing your insurance
• Service providers who perform services for us, such as agency management software, email, website hosting, and document storage, who may use the information only to perform those services
• Insurance-support organizations, such as consumer reporting agencies and claims databases, when needed for underwriting or to detect or prevent fraud
• Insurance regulators, law enforcement, and other government authorities, and others when required or permitted by law, such as in response to a subpoena or court order
• Others with your written authorization

Your rights under Georgia law

Under the Georgia Insurance Information and Privacy Protection Act, you have the following rights regarding personal information collected about you in connection with an insurance transaction:

• Access. After proper identification, you may submit a written request to see and get a copy of recorded personal information about you that we have and can reasonably locate. We will respond within 30 business days. We will also tell you who we have disclosed it to within the past two years (or the types of persons to whom it is normally disclosed), and how to request a correction. We may charge a reasonable fee for copies. Medical-record information may be provided to you or to a medical professional you designate.
• Correction. You may submit a written request to correct, amend, or delete recorded personal information about you. Within 30 business days, we will either make the change or tell you why we will not and how you can file a statement explaining what you believe is correct and why you disagree.
• Reasons for an adverse underwriting decision. If coverage is declined, rated differently, or otherwise subject to an adverse underwriting decision, you may request the specific reasons in writing. If you make a written request within 90 business days of the notice of the decision, the reasons and related information will be provided within 21 business days, as the law requires.

These rights do not extend to information collected in connection with, or in reasonable anticipation of, a claim or a civil or criminal proceeding. The insurance company that issues your policy may also provide you with its own privacy notice and handle some of these requests directly.

To make a request, write to us at the address or email in "Contact us" below. We may need to verify your identity before responding.

Your choices

• Marketing emails. You can unsubscribe from our marketing emails at any time by using the unsubscribe link in the email or by contacting us.
• Texts and calls. We will only send marketing text messages or make marketing calls using automated technology or prerecorded messages with your prior express written consent, as required by law. You can opt out at any time by replying STOP to a text or by telling us. Consent is not a condition of buying any product or service. Message and data rates may apply.
• Service messages. Even if you opt out of marketing, we may still contact you about your existing policies, billing, and claims.

How we protect information

We use reasonable administrative, technical, and physical safeguards designed to protect personal information, such as limiting access to people who need it to do their jobs, using password-protected systems, and working with service providers who are expected to protect the information they handle for us. No method of transmission over the internet or of electronic storage is completely secure, so we cannot guarantee absolute security.

How long we keep information

Contact inquiries are retained indefinitely as part of the agency's business records. We keep personal information for as long as needed to provide our services, to service your policies, and to meet legal, regulatory, insurance company, and recordkeeping requirements.

If there is a data breach

If personal information about you is involved in a security breach, we will notify you and others as required by applicable law, including Georgia's breach notification law (O.C.G.A. § 10-1-910 et seq.).

Cookies and analytics

[CONFIRM: only publish if GA4 is actually enabled. If Google Analytics is NOT turned on, delete this section and restore the "no analytics" paragraph kept in the comment below, so this policy always matches the site.]

Your choice comes first. When you first visit, a pop-up asks whether you accept analytics cookies. Analytics cookies are set only if you select Accept. If you select Decline, or close the pop-up without choosing, Google Analytics does not load and no analytics cookies are set.

What analytics tells us. If you accept, we use Google Analytics to understand how visitors use our site, for example which pages are viewed, how visitors found us, and whether someone taps our phone number or uses the contact form. Google provides this service and handles the data under its own terms and privacy policy. We do not use advertising cookies or advertising pixels, and we do not sell information collected through this site.

Essential storage. The site saves your Accept or Decline choice in your browser so the pop-up does not appear on every page. Our website host, GoDaddy, may also record standard server logs (such as IP address, browser type, and pages requested) to operate and secure the site.

Changing your choice. Select "Cookie settings" at the bottom of any page to see the pop-up again and change your choice at any time. Clearing this site's data in your browser also resets your choice.

Do Not Track. Our site does not respond to "Do Not Track" browser signals. You can turn analytics off at any time with "Cookie settings."

Contact form. Our contact form asks only for your name, phone, email, and a short message. It does not send anything to a server: when you press submit, it opens your own email app with a pre-filled message addressed to our agency email, and nothing is sent unless you press Send there. Links to Google, Facebook, and government or industry sites take you to those sites, which have their own privacy practices.

Use of AI tools

We use AI-assisted tools to help with some everyday work, such as drafting communications, creating marketing content, organizing internal notes, and website and search (SEO) work.

A licensed agent reviews anything created with these tools before it is sent to a customer.

We do not use customer information to train public AI models.

We do not enter sensitive information, such as Social Security numbers, full bank account or payment card numbers, or driver's license numbers, into AI tools.

This website does not currently have a chat feature or other AI features. If we add any in the future, we will update this policy to describe them.

If you have questions about how we use AI tools, call us at 229-268-4812, email capeinsuranceservices@gmail.com, or write to us at 1329 E Union Street, Vienna, GA 31092.

Links to other websites

Our website may link to websites of insurance companies or other third parties. We are not responsible for their privacy practices. Please review the privacy policy of any site you visit.

Children's privacy

Our website is not directed to children under 13, and we do not knowingly collect personal information online from children under 13. If you believe a child has given us personal information through our website, please contact us so we can delete it. Information about minors who are drivers or household members on a policy is collected from the parent or policyholder only as needed for insurance.

Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and change the effective date above.

Contact us

For privacy questions or to make a request under this policy, contact:

Cape Insurance Services
Attn: Privacy
1329 E Union Street, Vienna, GA 31092
Phone: 229-268-4812
Email: capeinsuranceservices@gmail.com