Privacy Policy

Effective Date: 12/29/2025

Oak & Harbor Insurance (“we,” “our,” or “us”) is committed to protecting the privacy and security of the personal and business information we collect. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website and in the course of providing insurance services.

Information We Collect

We may collect the following types of information:

Personal information such as name, address, phone number, email address, date of birth, and identification details
Business information related to commercial insurance inquiries or applications
Insurance-related information necessary to evaluate coverage options
Information submitted through forms, emails, phone calls, or other communications
Technical information such as IP address, browser type, and website usage data

We collect information only as necessary to provide insurance services or respond to inquiries.

How We Use Information

Information collected may be used to:

Evaluate insurance needs and provide coverage options
Submit applications and service policies with insurance carriers
Communicate regarding policies, services, or requests
Comply with legal, regulatory, and contractual obligations
Maintain internal records and improve our services

We do not sell personal information.

Information Sharing and Disclosure

We may share information only as necessary with:

Insurance carriers, wholesalers, and underwriting partners
Service providers supporting our business operations
Regulatory authorities or legal entities when required by law

All information sharing is limited to what is reasonably necessary for insurance-related purposes.

Data Security

We take reasonable administrative, technical, and physical measures to protect information from unauthorized access, use, or disclosure. While no system can be guaranteed to be completely secure, we implement safeguards consistent with industry standards.

Website Cookies and Analytics

Our website may use cookies or similar technologies to enhance functionality and analyze website traffic. These tools do not collect sensitive personal information and are used solely to improve website performance and user experience.

You may adjust your browser settings to decline cookies if desired.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Users should review the privacy policies of any third-party websites they visit.

Your Privacy Choices

You may contact us to:

Request access to or correction of your information
Ask questions regarding our privacy practices

Requests are subject to applicable legal and regulatory requirements.

Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.

Contact Information

If you have questions about this Privacy Policy or our data practices, please contact:

Oak & Harbor Risk Management LLC

120 19th St N Ste 201 #79880

Birmingham, AL 35203
info@oakharborinsure.com

256-207-8178