Introduction
therealcheftig insurance respects your privacy. This policy explains what we collect when you visit therealcheftig.com, request quotes for life, home, auto, health, or business coverage, enroll in plans, or communicate with our advisors. It also describes how we share information with carriers and service providers, how long we retain records, and the choices you can make.
Insurance placement requires sensitive data. We treat that responsibility seriously and limit access to staff and partners who need information to perform underwriting, servicing, or compliance tasks.
Information we collect
Contact details include name, email, mailing region, and preferred communication channels. Quote and application data include date of birth, health history for life and health lines, driver licenses and vehicle garaging for auto, property characteristics for home policies, payroll and operations descriptions for business lines, and prior loss history.
Technical data includes browser type, device identifiers, pages viewed, and referral sources collected through standard server logs and analytics configured without third-party advertising networks that sell data brokers lists.
Payment-related information is collected by carriers or authorized payment processors when you bind coverage. We do not store full payment card numbers on our servers.
Sources of information
We collect information directly from you through forms, email, phone conversations transcribed only when you consent, and document uploads you provide for claims or inspections.
We may receive information from consumer reporting agencies, driving record vendors, property valuation services, and medical providers when authorized by you for underwriting.
Carriers return policy numbers, status changes, and claim summaries that we attach to your client file for continuity of service.
How we use information
Primary uses include preparing quotes, submitting applications, binding and renewing policies, endorsing coverage, issuing certificates, supporting claims, and responding to your questions.
We use aggregated analytics to improve site content, such as which FAQ topics are viewed most often before storm season.
With your consent or as permitted by law, we may send educational newsletters about coverage topics. You can unsubscribe through the link on each message or the unsubscribe page on this site.
Sharing with carriers and vendors
We share application details with insurers who may underwrite your risk. Those carriers have their own privacy policies governing data they control once received.
Vendors who assist with document storage, e-signature, comparative rating, and email delivery access data only to perform contracted tasks and must protect it under confidentiality agreements.
We do not sell your personal information to unrelated marketers. We do not share health details for non-insurance product solicitation.
Health and life data sensitivity
Health information submitted for enrollment or life underwriting is accessed only by licensed staff and carrier underwriters involved in eligibility decisions. We apply role-based permissions in our agency management system and review access logs periodically.
If you revoke authorization for us to obtain medical records, underwriting may stall or carriers may decline to offer coverage until required information arrives through another authorized channel.
Cookies and similar technologies
We use session cookies to keep navigation functional and remember form progress during a visit. Analytics cookies help us understand page performance. You can adjust browser settings to refuse cookies, though some tools may not work correctly without them.
We do not deploy cross-site tracking pixels for unrelated advertising networks.
Data retention
We retain client files according to insurance recordkeeping rules and business needs, including statutes of limitation for coverage disputes. Quote records that do not convert to policies may be deleted sooner unless you ask us to keep them for future shopping.
When retention periods expire, we securely delete or anonymize data where feasible.
Security measures
We use encryption in transit for web forms, access controls for staff accounts, and vendor due diligence for cloud systems storing documents. No method of transmission is perfectly secure; report suspected unauthorized access immediately so we can investigate and coordinate with carriers if policy data is involved.
Your choices and rights
You may request access to personal information we maintain, corrections to inaccurate data, or copies of certain disclosures. Regulatory frameworks may grant additional rights depending on your residence; we will honor applicable requirements when verified.
You may opt out of marketing email without affecting transactional servicing messages tied to active policies.
You may limit optional cookies through browser controls and request that we close inactive quote profiles you no longer want stored.
Children
Our site is directed to adults seeking insurance. We do not knowingly collect information from minors without parental involvement in covered dependent enrollments.
International visitors
Our services focus on clients purchasing coverage through carriers available to our agency appointments. If you access the site from outside our service region, privacy laws where you reside may still apply to how you interact with us online.
Changes to this policy
We post revisions on this page with an updated effective date. Material changes affecting how we use health or financial data will be highlighted in a site notice or direct communication when appropriate.
Contact us about privacy
Privacy questions or requests may be emailed to care@therealcheftig.com with the subject line Privacy Request. Describe the action you seek and information to verify your identity as a client or former applicant. We respond within thirty days for most requests, longer when archived carrier files must be retrieved. Authorized agents may submit requests on your behalf with written permission attached.
Automated decision making
Underwriting decisions are made by carrier personnel or their approved systems, not by automated chat on this website. Quote tools may pre-fill premium ranges based on algorithms supplied by insurers, but a licensed advisor reviews bindable offers before you enroll.
Incident response
If we detect unauthorized access to agency systems that may affect your personal information, we will notify you and regulators as required, describe steps taken to contain the incident, and recommend actions such as monitoring credit or placing fraud alerts when appropriate.
Records of consent
We log consent checkboxes on quote forms, email subscription confirmations, and e-signature events with timestamps. You may request a copy of consent records related to your account for your files.
De-identified data
We may use aggregated, de-identified statistics about quote volume by coverage type to train staff and plan educational content. Aggregates cannot reasonably identify you or your household.
Third-party social sharing
Footer share links open social networks in new windows. Those platforms collect data according to their policies when you interact with them. We do not receive your social login credentials through those links.
Marketing preferences
You control promotional email through subscribe and unsubscribe tools. We segment lists by coverage interest so storm prep tips go to property clients and enrollment reminders go to group health contacts. Segmentation uses contact details you provided, not unrelated surveillance.
Processor agreements
Cloud vendors that host our agency management platform sign data processing terms requiring encryption, breach notification, and deletion upon contract end. We review vendor reports annually and require remediation when audits find gaps.
Research and feedback
Occasionally we ask voluntary survey questions after claims or renewals. Answers are tied to your client record only when you identify yourself. Summarized results inform training and carrier discussions without naming individuals in external reports.
Participation is never required to obtain or keep coverage. Declining a survey does not change premiums, claim handling, or renewal treatment. We store anonymous responses separately from identifiable client files when you choose not to share your name.