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Privacy Policy

Effective date: April 28, 2026

1. Who We Are

Acolite Insurance Services(“Acolite,” “we,” “us,” or “our”) is a licensed insurance broker. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit our website, request a quote, or use our services. We are an insurance producer (broker), not an insurance carrier; coverage is placed with insurance companies who underwrite and issue policies.

2. Information We Collect

We collect information in three ways: information you give us, information collected automatically, and information from third parties.

Information you provide directly:

  • Contact details, name, email, phone number, postal address.
  • Business information, company name, trade, state, payroll, revenue, employee count, project details.
  • Coverage needs and policy data, current insurance, claims history, coverage requested, certificate of insurance (COI) recipients, prior loss runs.
  • Communications, emails, voicemails, call recordings (where permitted), chat transcripts.

Information collected automatically:

  • Device and usage data, IP address, browser type and version, operating system, device type, referring URL, pages visited, links clicked, time on page, viewport size.
  • Cookies and similar technologies, Google Analytics 4, Google Ads conversion pixel, PostHog product analytics, and the Meta (Facebook) Pixel. For US visitors, Google Analytics 4 and PostHog (first-party measurement) and the Meta Pixel load by default; you may opt out at any time using the “Do Not Sell or Share / Cookie Choices” link in the footer or by enabling Global Privacy Control (GPC) in your browser. The Google Ads pixel and other “sharing”-class advertising technologies are suppressed when GPC is signaled. For visitors outside the United States, all non-essential technologies are off until you accept via the cookie banner. See Section 9 for full opt-out paths.

Information from third parties:

  • Insurance carriers and rating bureaus, quote, underwriting, claims, motor vehicle, and credit information used to place coverage.
  • Public records, business filings, license verifications, contractor permits.
  • Marketing partners, when a partner refers you to us, we may receive contact details and the context of the referral.

3. How We Use Your Information

  • Generate and deliver insurance quotes; submit your information to carriers for underwriting.
  • Place and service insurance policies, including endorsements, certificates of insurance, claims, and renewals.
  • Communicate with you by email, phone (including calls placed using an automatic telephone dialing system or pre-recorded / AI-generated voice technology), and SMS, subject to your consent and the Terms of Service.
  • Improve our website and services; measure marketing performance.
  • Detect and prevent fraud; secure our systems.
  • Comply with legal, regulatory, and contractual obligations, including state insurance laws (e.g., NJ N.J.S.A. 17:22A; NY 11 NYCRR Part 215), the Gramm-Leach-Bliley Act, the FTC Safeguards Rule, and applicable state privacy laws.

4. How We Share Your Information

We share information only as needed to provide services and as permitted by law. We do not sell personal information for monetary consideration.

  • Insurance carriers and wholesale brokers, to obtain quotes, place coverage, service policies, and process claims.
  • Service providers, vendors operating our platform on our behalf, contractually limited to processing data for our purposes only. Categories: CRM (HubSpot), email outreach (Instantly), product analytics (PostHog), web analytics (Google Analytics 4), advertising (Google Ads, Meta), call dialer with AI assistance, document processing, payment processing.
  • Legal and regulatory recipients, state insurance departments, courts, regulators, or law enforcement when required by valid legal process or to comply with applicable law.
  • Successors, in connection with a merger, acquisition, financing, or sale of assets, with appropriate confidentiality safeguards.

“Sharing” under California / NJ / state privacy laws. Some of our service providers (notably Google Ads conversion measurement and remarketing, and the Meta Pixel) may be classified as “third parties” receiving personal information for “cross-context behavioral advertising” under the California Privacy Rights Act (CPRA), the New Jersey Data Privacy Act (NJDPA), and similar laws. You can opt out of this sharing at any time using the “Do Not Sell or Share / Cookie Choices” link in our footer, or by enabling Global Privacy Control (GPC) in your browser. We honor GPC signals as a valid opt-out.

5. AI Processing

We use artificial intelligence tools to help process documents, summarize quotes, and assist with customer communications, including telephone calls placed using AI-generated voice. Information you provide may be processed by AI systems operated by us or our service providers. AI systems can make mistakes. Quotes, coverage decisions, and material customer communications are reviewed or verified by licensed personnel before they are relied upon. You may opt out of AI-assisted communications by replying STOP to any text, asking the agent on a call to remove you, or emailing team@acolite.ai.

6. Data Retention

We retain personal information for as long as necessary to provide services and to satisfy legal, accounting, regulatory, and tax obligations. Insurance producer records are typically retained for at least the time required by state law (commonly 5-10 years). Where you request deletion, we will honor your request to the extent permitted, and inform you of any retention obligations that prevent immediate deletion.

7. Your Privacy Rights

Depending on where you live, you may have the following rights. The list below is non-exhaustive, your specific rights depend on your state of residence and applicable law (e.g., California CPRA; New Jersey NJDPA; Colorado CPA; Connecticut CTDPA; Virginia VCDPA; Utah UCPA; Oregon OCPA; Texas TDPSA; and other states with comprehensive privacy laws).

  • Right to know / access, confirm whether we process your information and obtain a copy.
  • Right to correct, ask us to correct inaccurate personal information.
  • Right to delete, request deletion, subject to legal retention obligations.
  • Right to opt out of targeted advertising / sharing / sale, exercised via our cookie banner or the “Do Not Sell or Share / Cookie Choices” link, and via Global Privacy Control (GPC).
  • Right to opt out of profiling for decisions that produce legal or similarly significant effects.
  • Right to data portability, receive your information in a portable, machine-readable format.
  • Right to non-discrimination, exercising your rights will not result in inferior service or pricing.
  • Right to authorize an agent, designate a third party to make requests on your behalf.
  • Right to appeal, if we deny a request, you may appeal that decision (NJDPA, CO, VA, CT, OR all require this; we honor appeals from any state).

To exercise any right, email team@acolite.ai with the subject line “Privacy Request,” or call (484) 444-3503. We will verify your identity (typically by matching information you have already provided to us) before fulfilling sensitive requests. We respond within 45 days; we may extend once by another 45 days if your request is complex, and we will notify you of any extension. Appeals are answered within 60 days.

California “Shine the Light”: California residents may request information about disclosures of personal information to third parties for direct marketing purposes once per year. Send the request to the email above.

8. Security

We maintain a written information security program (“WISP”) under the Gramm-Leach-Bliley Safeguards Rule and applicable state insurance data-security laws (including the New York Department of Financial Services Cybersecurity Regulation 23 NYCRR Part 500 and the NAIC Insurance Data Security Model Law). Controls include access management, encryption in transit and at rest, multi-factor authentication for sensitive systems, vendor oversight, and incident response. No system is perfectly secure; we do not guarantee absolute security.

9. Cookies, Analytics, and Advertising

We use cookies and similar technologies in four categories. Essential cookies are required for the site to function (form submissions, security, anti-fraud). Analytics uses Google Analytics 4 to measure how visitors use the site. Advertising uses the Google Ads conversion pixel and remarketing tag to measure ad performance and serve relevant ads on Google properties. Session recording uses PostHog to capture anonymized interaction patterns (form inputs are masked) so we can debug user-experience issues.

For visitors located in the United States,first-party Analytics (GA4) and Session recording (PostHog) load by default consistent with the opt-out frameworks of the CCPA/CPRA, NJDPA, and the Colorado, Connecticut, Virginia, Utah, Texas, and Oregon privacy acts. The Advertising category (Google Ads conversion + remarketing) also loads by default, but is suppressed automatically when your browser signals Global Privacy Control (GPC). You may opt out of any non-essential category at any time using the “Do Not Sell or Share / Cookie Choices” link in the footer.

For visitors located outside the United States (e.g., the EEA, UK, Switzerland), all non-essential categories remain off until you accept them on the cookie banner displayed on your first visit, consistent with the GDPR and ePrivacy opt-in posture.

Meta (Facebook) Pixel. The Meta Pixel loads on every page of this site so that we can measure ad performance and build audiences on Meta properties (Facebook, Instagram). It is not gated by the cookie banner. To opt out, you can: (1) adjust your Meta ad preferences at facebook.com/adpreferences/ad_settings; (2) opt out of interest-based advertising via the Digital Advertising Alliance at optout.aboutads.info; or (3) email us at team@acolite.aiwith the subject “Privacy Request” and we will suppress your information from Meta audience matching on a best-effort basis.

10. Children

Our services are intended for businesses and adults. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child, contact us and we will delete it.

11. International Visitors

Acolite operates from the United States and our services are intended for U.S. residents and U.S.-based contractors. If you visit our site from outside the U.S., your information will be transferred to and processed in the United States.

12. Changes to This Policy

We may update this Policy from time to time. When we do, we will update the effective date above. For material changes that affect your rights or how we use your information, we will provide additional notice (e.g., a banner on the site or an email) before the change takes effect.

13. Contact Us

Acolite Insurance Services
27 East 28th Street, New York, NY 10016
Phone: (484) 444-3503
Email: team@acolite.ai