Privacy Policy

1. Scope

This Privacy Policy applies to personal information processed by Tazer Insurance through our website, mobile-friendly portals, quote forms, policy administration systems, claim platforms, email communications, and customer service channels. It does not apply to third-party sites we link to, which maintain their own policies.

Insurance operations are subject to additional privacy requirements under state and federal law, including Gramm-Leach-Bliley Act safeguards for nonpublic personal information. Where this Policy conflicts with mandatory insurance privacy notices delivered with your policy, the statutory notice prevails for covered insurance data.

2. Information We Collect

2.1 Information You Provide

We collect identifiers such as name, email address, and policy numbers when you request quotes, bind coverage, file claims, or contact support. Application data may include date of birth, property details, vehicle identification, business revenue, health-related information for applicable lines, beneficiary designations, and payment information.

2.2 Automatically Collected Data

When you use the Services, we may collect device type, browser version, IP address, pages viewed, referring URLs, and timestamps through cookies and similar technologies. Telematics or IoT programs, when enrolled, may collect driving behavior or leak-sensor alerts as disclosed in program terms.

2.3 Information From Third Parties

We obtain data from consumer reporting agencies, claims history databases (such as CLUE or ISO reports), motor vehicle records, medical authorization where legally permitted, prior carrier verification, and fraud prevention networks to underwrite and price risk accurately.

3. How We Use Information

We use personal information to: provide and administer insurance products; evaluate eligibility and pricing; process premium payments and refunds; investigate, adjust, and pay claims; detect and prevent fraud; comply with legal and regulatory obligations; communicate about renewals, endorsements, and servicing; improve website performance and user experience; and send marketing communications where you have opted in or where law allows with opt-out rights.

We may de-identify or aggregate data for actuarial analysis, ratemaking, and industry research. De-identified data is not subject to this Policy except where re-identification is restricted by contract or law.

4. Legal Bases For Processing

Depending on context, we process data based on: performance of an insurance contract; compliance with legal duties; legitimate interests such as fraud prevention and network security, balanced against your rights; and consent for optional marketing, certain health-related uses, or non-essential cookies where required.

5. How We Share Information

We may disclose personal information to: licensed agents and brokers assisting your account; reinsurers and fronting carriers; claims adjusters, appraisers, and repair vendors; payment processors and banks; IT hosting and cloud providers under contractual safeguards; regulators and law enforcement when required; and professional advisors under confidentiality duties.

We do not sell personal information for monetary consideration. We may share limited data with marketing partners to deliver co-branded offers when you have consented, or as permitted under applicable privacy statutes with opt-out mechanisms.

6. Cookies And Tracking

Essential cookies enable login sessions, fraud detection, and form security. Analytics cookies help us understand traffic patterns. Advertising cookies may be used on remarketing campaigns subject to your preferences.

You can manage cookies through browser settings. Blocking essential cookies may impair quote and claim functionality. Where required, we present a consent banner before placing non-essential cookies.

7. Data Retention

We retain information as long as necessary to fulfill the purposes described in this Policy, including the life of a policy plus statutory periods for claims, tax, and audit requirements. Underwriting declinations may be retained to document fair lending and anti-discrimination compliance. When retention ends, we securely delete or anonymize data.

8. Security Measures

We implement administrative, technical, and physical safeguards appropriate to the sensitivity of insurance data, including encryption in transit, access controls, employee training, vendor risk assessments, and incident response procedures. No method of transmission or storage is completely secure; please use strong passwords and protect your credentials.

If we become aware of a data breach affecting your personal information, we will notify you and regulators as required by law.

9. Your Rights And Choices

Subject to applicable law, you may request access to personal information we hold, correction of inaccuracies, deletion of certain data, restriction of processing, or portability of data you provided. You may opt out of marketing emails via unsubscribe links or the unsubscribe page on this site. Policyholders may receive mandatory servicing messages even after marketing opt-out.

Residents of states with comprehensive privacy laws may have additional rights, including appeal of denied requests. Submit privacy requests to support@tazerweapons.com with sufficient detail to verify identity. We respond within timeframes prescribed by law.

10. Children’s Privacy

The Services are not directed to children under thirteen, and we do not knowingly collect personal information from children. Life and health policies involving minors are administered through parent or guardian applicants.

11. International Transfers

Our primary systems are hosted in secure data centers with contractual protections. If information is processed across borders, we implement appropriate safeguards such as standard contractual clauses or equivalent mechanisms.

12. Changes To This Policy

We may update this Privacy Policy to reflect legal, technical, or business changes. The “Last updated” date will change accordingly. Material updates will be communicated through the website or direct notice where required.

13. Sensitive Information

Health, biometric, and precise geolocation data receive heightened protection. We collect such data only when necessary for underwriting or claims, with appropriate authorizations. Access is limited to personnel with a business need and subject to audit logging.

14. Automated Decision-Making

We may use automated systems to flag potentially fraudulent claims or to recommend coverage tiers during quoting. You may request human review of adverse underwriting decisions where required by regulation, by contacting support@tazerweapons.com.

15. Do Not Track

Some browsers transmit “Do Not Track” signals. Because industry standards vary, we do not respond uniformly to all such signals. You may use cookie controls and marketing opt-outs described above instead.

16. Contact Us

For privacy questions or to exercise your rights, email support@tazerweapons.com with the subject line “Privacy Request.” Include your full name, policy number if applicable, and the nature of your request so we can assist efficiently.