Introduction

TMN Insurance Services Inc. ("TMN Insurance Services Inc.," "we," "us," or "our") is a California-licensed commercial insurance brokerage. We help businesses across a range of industries compare, obtain, and manage commercial insurance coverage, including General Liability, Business Owners Policies (BOP), Commercial Auto, Workers’ Compensation, Cyber Liability, Umbrella, and Commercial Property insurance, along with related insurance quote comparison, brokerage, and advisory services.

This Privacy Policy explains how we collect, use, store, and disclose the personal information of visitors to our website at https://tmninsurance.com/ ("Website"), as well as the information of applicants, clients, and others who interact with our business.

By using our Website or providing information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use the Website or submit information to us.

Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

A. Personal Information

▪ Name

▪ Email address

▪ Phone number

▪ Mailing address

▪ Business information (such as business name, entity type, and industry)

▪ Job title

▪ Insurance application information

B. Insurance Information

To prepare quotes and procure coverage, we may collect information relevant to underwriting and the insurance products you request, including:

▪ Coverage requests and insurance needs

▪ Claims history

▪ Property information

▪ Business operations details

▪ Payroll information

▪ Vehicle information

▪ Loss history

▪ Underwriting information

C. Technical Information

When you visit our Website, we may automatically collect certain technical information, including:

▪ IP address

▪ Browser type and settings

▪ Device identifiers

▪ Cookies and similar technologies

▪ Analytics data

▪ Website usage information (such as pages viewed and links clicked)

D. Communications

▪ Emails you send to us

▪ Information submitted through web forms

▪ Chat inquiries

▪ Interactions with AI-assisted features and assistants

▪ Customer service communications

How We Collect Information

We collect information from a variety of sources, including:

▪ Website forms you complete

▪ Quote requests you submit

▪ Cookies and similar tracking technologies

▪ Analytics tools

▪ Insurance applications

▪ Third-party insurance carriers

▪ Underwriters

▪ Publicly available sources

▪ Marketing platforms and service providers

▪ Your communications with us (by email, phone, chat, or otherwise)

How We Use Information

We use the information we collect for legitimate business and legal purposes, including to:

▪ Provide insurance quotes and quote comparisons

▪ Procure and place insurance coverage on your behalf

▪ Communicate with you about your requests, policies, and account

▪ Process insurance applications

▪ Support and facilitate claims

▪ Provide customer service

▪ Send marketing and informational communications (subject to applicable law)

▪ Perform analytics and understand how our Website is used

▪ Improve and maintain our Website and services

▪ Comply with legal, regulatory, and insurance requirements

▪ Detect, prevent, and investigate fraud

▪ Monitor and protect the security of our systems and information

▪ Provide AI-assisted services, such as content, summaries, and support features

Cookies and Tracking Technologies

Our Website uses cookies and similar tracking technologies to operate the site, understand usage, and support our marketing. These technologies may include:

▪ Cookies — small files stored on your device

▪ Analytics tools — to measure and analyze Website traffic and performance

▪ Session tracking — to maintain your session and site functionality

▪ Marketing pixels — to measure the effectiveness of campaigns

▪ Preference storage — to remember your settings and choices

You can usually disable or delete cookies through your browser settings. Please note that disabling cookies may affect the functionality or availability of certain features of the Website.

AI and Automated Technologies

We may use artificial intelligence ("AI") and automated technologies to support our Website and services. For example, AI may be used to assist with website content, chat features, summaries, and customer support.

Human oversight. AI outputs are reviewed where reasonably practicable. AI tools assist our team but do not replace licensed insurance professionals. Any insurance advice, coverage decision, or binding of coverage is handled by appropriately licensed personnel.

Your interactions with our AI-assisted features may be logged and processed to deliver, evaluate, and improve those features, consistent with this Privacy Policy.

AI-generated content may contain errors or omissions and should not be relied upon as a substitute for professional advice. If you have questions about your coverage, please contact a licensed member of our team.

Sharing of Information

We may share your information with third parties as needed to provide our services and as permitted or required by law, including with:

▪    Insurance carriers

▪    Underwriters

▪    Wholesalers

▪    Managing General Agents (MGAs)

▪    Service providers and vendors who support our operations

▪    Technology vendors

▪    Attorneys and professional advisors

▪    Regulators

▪    Government agencies

▪    Successors in connection with a merger, acquisition, financing, or sale of assets

We do not sell your personal information.  TMN Insurance Services Inc. does not sell personal information for money, and we do not share personal information for cross-context behavioral advertising in exchange for payment. We share information only for the legitimate business and legal purposes described in this Policy.

Your California Privacy Rights

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the "CCPA/CPRA"), provides you with certain rights regarding your personal information, subject to legal exceptions. These include the:

▪ Right to know what categories and specific pieces of personal information we have collected about you

▪ Right to access a copy of the personal information we maintain about you

▪ Right to correct inaccurate personal information we hold about you

▪ Right to delete personal information we have collected from you, subject to legal and regulatory exceptions

▪ Right to opt out of the sale or sharing of personal information

▪ Right to non-discrimination for exercising your privacy rights

How to Exercise Your Rights

To submit a request, please contact us by email at [email protected] or by phone at 877-741-2008

. To protect your information, we will take reasonable steps to verify your identity before responding, and we may decline a request where we are unable to verify it. You may also designate an authorized agent to make a request on your behalf, subject to verification.

Certain insurance-related information is also governed by California insurance privacy laws and other applicable regulations. Where those laws apply, your rights and our obligations may be governed by them in addition to, or instead of, the CCPA/CPRA.

Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy and to meet our legal and business obligations. Among other reasons, we may retain information:

▪ To provide and administer our services

▪ To comply with insurance laws and regulatory requirements

▪ For tax and accounting purposes

▪ To preserve records subject to litigation holds

▪ To detect and prevent fraud

▪ To satisfy other legal obligations

Because insurance and other laws often require us to retain certain records for set periods, we may be unable to delete some information upon request until the applicable retention period has ended.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the personal information we collect against unauthorized access, use, alteration, and disclosure.

No guarantee of security. No method of transmission over the internet and no method of electronic storage is completely secure. While we work to protect your information, we cannot guarantee its absolute security, and you provide information to us at your own risk.

Third-Party Websites

Our Website may contain links to websites operated by third parties. These third-party websites are not controlled by TMN Insurance Services Inc., and this Privacy Policy does not apply to them.

We are not responsible for the privacy practices, security, or content of any third-party website. We encourage you to review the privacy policy of any website you visit through a link from our Website.

Children’s Privacy

Our Website and services are intended for businesses and adults and are not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us and we will take appropriate steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will revise the "Last Updated" date above and post the current version on our Website.

Your continued use of the Website after an updated Policy is posted constitutes your acknowledgment of the changes. We encourage you to review this Policy periodically.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

TMN Insurance Services Inc

9741 Bolsa Ave, Ste 206

Westminster, California 92683

EMAIL: [email protected]

Phone: 877-741-2008

WEBSITE: https://tmninsurance.com/