Privacy Policy

1. Introduction

Simms Insurance Agency ("Agency," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at simmsagency.com or engage with our insurance services.

As a licensed insurance agency, we are required to maintain the confidentiality of your personal and financial information under both federal and Arizona state regulations, including the Gramm-Leach-Bliley Act (GLBA) and the Arizona Insurance Information and Privacy Protection Act (A.R.S. § 20-2101 et seq.).

2. Information We Collect

2.1 Information You Provide

When you request a quote, submit a form, or contact us, we may collect:

• Personal Identifiers — Full name, date of birth, Social Security number (for applications only)
• Contact Information — Phone number, email address, mailing address
• Health Information — Responses to health-related questions on insurance applications and surveys (e.g., tobacco use, pre-existing conditions, medications)
• Financial Information — Income range, existing insurance coverage, beneficiary designations
• Demographic Information — Age, gender, marital status

2.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geolocation
• Browser type, device type, and operating system
• Pages visited, time spent, and referring URL
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Provide Insurance Services — Process quote requests, submit applications to insurance carriers, and facilitate policy issuance
• Communicate With You — Respond to inquiries, schedule appointments, and provide policy-related updates
• Carrier Submissions — Share your information with insurance carriers for underwriting and policy issuance purposes
• Regulatory Compliance — Comply with state and federal insurance regulations, including recordkeeping requirements
• Improve Our Services — Analyze website usage to improve user experience and service delivery
• Marketing — Send relevant insurance information and product updates (with your consent)

4. Information Sharing & Disclosure

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

4.1 Insurance Carriers

We share your information with insurance carriers (Americo, F&G, Foresters Financial, American Amicable, TransAmerica, Banner Life, and others) for the purposes of obtaining quotes, processing applications, and issuing policies. Each carrier has its own privacy policy governing the use of your data.

4.2 Service Providers

We may share information with trusted third-party service providers who assist in operating our website, conducting business, or servicing you — provided they agree to keep this information confidential.

4.3 Legal Requirements

We may disclose your information when required by law, regulation, court order, or governmental request, including:

• Compliance with Arizona Department of Insurance and Financial Institutions (ADIFI) investigations
• Responding to subpoenas or legal process
• Protecting the rights, property, or safety of our agency, our clients, or the public
• Preventing fraud or other illegal activities

5. Protected Health Information

Health-related information collected during the insurance application process is treated with heightened security measures. This information is:

• Shared only with the insurance carrier(s) being applied to
• Never used for marketing purposes
• Retained only as long as required by insurance regulations (typically 7 years after the end of the business relationship)
• Protected in accordance with applicable health information privacy laws

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• SSL/TLS encryption for all data transmitted through our website
• Secure email protocols for sensitive communications
• Limited access to personal information on a need-to-know basis
• Regular security assessments of our systems and procedures

While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.

7. Cookies & Tracking

Our website may use cookies and similar technologies to:

• Remember your preferences and improve your browsing experience
• Analyze website traffic and usage patterns
• Provide targeted content relevant to your interests

You can control cookies through your browser settings. Disabling cookies may affect certain website functionality.

8. Your Rights

You have the right to:

• Access — Request a copy of the personal information we hold about you
• Correction — Request correction of inaccurate or incomplete information
• Deletion — Request deletion of your personal information, subject to regulatory retention requirements
• Opt-Out — Opt out of marketing communications at any time
• Restrict Processing — Request that we limit the use of your information in certain circumstances
• Data Portability — Request your data in a structured, machine-readable format

To exercise any of these rights, contact us at info@simmsagency.com or (602) 505-1077. We will respond within 30 days.

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide ongoing insurance services and support
• Comply with Arizona insurance recordkeeping requirements (minimum 7 years)
• Resolve disputes and enforce our agreements
• Meet tax and regulatory obligations

10. Children's Privacy

Our website and services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

11. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information.

12. Arizona Insurance Privacy Rights

Under the Arizona Insurance Information and Privacy Protection Act (A.R.S. § 20-2101 et seq.), you have the right to:

• Be informed of the types of personal information we collect
• Access and review your recorded personal information
• Request correction, amendment, or deletion of inaccurate information
• Know the identity of persons to whom we have disclosed your information in the preceding two years
• Receive an explanation of any adverse underwriting decision based on your personal information

To file a complaint about our information practices, you may contact the Arizona Department of Insurance and Financial Institutions at (602) 364-3100 or difi.az.gov.

13. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

14. Contact Information

For questions about this Privacy Policy or to exercise your privacy rights, contact us:

Simms Insurance Agency
Attn: Privacy Officer
6044 S. 16th St. Suite 180
Phoenix, AZ 85042
Phone: (602) 505-1077
Email: info@simmsagency.com