ARTICLE 1: Scope and Acceptance of the Policy

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1.1 Scope:

This Policy extends to all personal information that Premeem LLC, located at 6761 Pansy Drive, Miramar, FL 33023, collects, manages, and processes. This includes data gathered through our official website activities, such as quoting, providing estimates, and processing payments for issuing/purchasing products. Personal information collected includes full names, addresses, driver license numbers, vehicle details (year, make, model, and VIN), and requested insurance limits and coverages.

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1.2 Acceptance:

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By accessing, browsing, or using the services provided by Premeem, you unequivocally express your informed consent to the terms and conditions stipulated in this Policy. Your engagement with our services serves as an acknowledgment of your understanding and agreement to the manner in which we process your personal information as described herein. Should you find any part of this Policy to be in disagreement with your views or expectations, we respectfully advise against the use of our services. We underscore the importance of reading and comprehending this Policy in its entirety to ensure that you are fully aware of our data handling practices.

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ARTICLE 2: Data Collection and Purpose

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2.1 Types of Data Collected:

In our commitment to offering tailored and efficient insurance services, we collect a variety of Personal Information. This encompasses data that identifies, relates to, describes, or could be associated with an individual or household. Our collection includes, but is not limited to:

• Full name of all drivers, named insureds, or household members.

• Driver license numbers, addresses.

• Year, make, and model of all vehicles, vehicle identification numbers (VINs).

• Insurance limits and coverages that are being requested.

• Demographic Data: Including date of birth, gender, marital status, and other information relevant to insurance profiling.

• Financial Information: Details pertaining to your financial history, credit information, bank account numbers, and insurance policy details.

• Internet Activity: Information regarding your interaction with our website or applications, including browsing history, search history, and information on your interaction with a website, application, or advertisement.

• Geolocation Data: As relevant to providing location-specific insurance services.

• Professional or Employment-Related Information: For policies that require such details.

• Inferences drawn from other personal information: To create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

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2.2 Purpose of Data Collection:

The collection of Personal Information is integral to our ability to provide exemplary insurance services. The purposes include, but are not limited to:

• Searching the best insurance options available. We do not share any information with third parties

• Provision and Personalization of Insurance Services: To register you as a new client, manage and execute your insurance contract, provide customer support, and personalize our services to meet your specific needs.

• Claims Processing: Facilitating the assessment, processing, and settlement of insurance claims.

• Compliance and Legal Obligations: Adhering to regulatory and legal requirements, including but not limited to, verifying client identity, maintaining accurate records, and complying with legal processes and law enforcement requests.

• Risk Management: For underwriting and risk assessment purposes to determine insurance policy terms and pricing.

• Marketing and Communications: Communicating with you about products, services, and offers that may be of interest, subject to your preferences and applicable law.

• Analytical Purposes: For business intelligence and to improve our services and user experience.

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ARTICLE 3: Legal Basis for Processing

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3.1 Legal Grounds for Processing Personal Information:

We process your Personal Information on several legal bases, including:

• Contractual Necessity: Processing is essential for the execution and management of your insurance contract with us.

• Legal Compliance: Processing is necessary to comply with our legal obligations, such as regulatory requirements, tax laws, and responding to legal processes.

• Vital Interests: We may process Personal Information to protect the vital interests of our clients or other individuals, particularly in emergency situations.

• Public Interest: Certain processing activities may be performed for tasks carried out in the public interest, including those related to public health and safety.

• Legitimate Interests: We process Personal Information based on legitimate interests pursued by Premeem or a third party, provided that such interests are not outweighed by your rights and freedoms. This includes processing for administrative purposes, fraud prevention, network security, and business operations.

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ARTICLE 4: Data Sharing and Disclosure

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4.1 Third-Party Disclosure:

• Scope of Sharing: We may share Personal Information with third parties as necessary to provide our insurance services. This includes, but is not limited to, insurance underwriters, reinsurers, claims investigators, third-party service providers, and affiliates.

• Service Providers: Third-party service providers performing services on our behalf, such as data processing, billing, customer support, and data analysis, may access Personal Information. These providers are contractually bound to protect the confidentiality and security of the information and use it only for the purpose of the contracted services.

• Legal and Business Transfers: In the event of a merger, acquisition, restructuring, bankruptcy, or other business transfer, Personal Information may be shared as part of the business assets.

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4.2 Legal Compliance:

• Legal Requests: We may disclose Personal Information to comply with legal requirements, such as responding to subpoenas, court orders, or other legal processes.

• Law Enforcement and Regulatory Authorities: When requested by law enforcement or regulatory authorities, we may disclose Personal Information as required by law.

• Rights and Safety Protection: Disclosure may also occur to protect the rights, property, or safety of Premeem, our clients, or others, including to prevent fraud and reduce credit risk.

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ARTICLE 5: Security of Personal Information

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5.1 Implementation of Security Measures:

• Comprehensive Security Program: We have instituted a comprehensive security program that includes administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, theft, and misuse.

• Encryption and Access Controls: Technologies such as encryption, firewalls, and secure server facilities are utilized. Access to Personal Information is restricted to personnel who require it to perform their job functions.

• Regular Security Assessments: We regularly review and update our security practices to improve the integrity and confidentiality of Personal Information.

• Data Breach Response: In case of a data breach, we have protocols to promptly notify affected individuals and regulatory authorities as required by law.

• Implementing security measures including a third-party secure storage service and secure digital storage devices stored within a physical safe/vault requiring a code or key.

• Compliance with State Laws

Adherence to state regulations in CA, TX, FL, NJ, NY, IL, PA, and others as applicable.

• User Rights and Obligations

Users have rights to opt-out, be informed, request data disclosure and deletion, and receive equal services and prices. Obligations include providing accurate information for service estimates.

• Dispute Resolution

Disputes to be emailed to info@premeem.com with resolution provided within 7 business days.

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5.2 Limitations of Security Measures:

• Acknowledgement of Risks: While we strive to use commercially acceptable means to protect Personal Information, we acknowledge that no method of transmission over the internet or method of electronic storage is 100% secure.

• User Responsibility: Users are advised to also take steps to protect against unauthorized access to their Personal Information and to use secure internet connections.

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ARTICLE 6: Your Rights and Choices

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6.1 Access and Correction:

• Right to Access: You have the right to request access to the Personal Information we hold about you. This includes the right to be informed of the nature of the Personal Information, the purposes of its processing, and the recipients to whom it has been disclosed.

• Procedure for Access Request: To request access, please contact us using the contact details provided in this Policy. We may require proof of your identity to ensure that Personal Information is provided only to the correct individual.

• Right to Correction: If you believe that any Personal Information we hold about you is inaccurate, incomplete, or outdated, you have the right to request its correction or update.

• Timing of Response: We endeavor to respond to requests for access or correction within a reasonable timeframe and in accordance with applicable laws.

• Consent: Obtained through downloading our app and accepting terms and conditions, or by texting our phone number 888-381-2611.

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6.2 Opt-Out Rights:

• Right to Opt-Out: You have the right to opt out of certain uses and disclosures of your Personal Information, particularly concerning marketing communications.

• How to Exercise Opt-Out Rights: You can exercise your opt-out rights by following the unsubscribe instructions included in our marketing materials or by contacting us directly.

• Opt-Out of Data Sharing: In addition, depending on the jurisdiction, you may have the right to opt out of the sharing of your Personal Information with third parties for certain purposes, such as targeted advertising.

• Manage Communication Preferences: Users can opt out or make changes via email at info@premeem.com, through an unsubscribe link in emails, or by calling 888-381-2611.

• SMS policy servicing for policy changes or updates, with customer service available from 9am-9pm EST. Msg and data rates may apply.

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6.3 Additional Rights (Subject to Applicable Laws):

• Right to Deletion: You may have the right to request the deletion of your Personal Information that we have collected, subject to certain exceptions.

• Right to Data Portability: You may have the right to receive the Personal Information you have provided to us, in a structured, commonly used, and machine-readable format, and to transmit that information to another entity without hindrance from us.

• Right to Object: You may have the right to object to the processing of your Personal Information under certain circumstances.

• Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

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6.4 Exercising Your Rights:

• Contact Information: To exercise any of these rights, please contact us using the contact information provided in this Policy.

• Verification: We may need to verify your identity before fulfilling your request, as a security measure to protect your privacy.

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ARTICLE 7: Data Retention and Deletion

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7.1 Retention Period:

• Purpose-Driven Retention: Personal Information is retained only as long as necessary to fulfill the specific purposes for which it was collected. This includes the duration required for the provision of our insurance services, maintaining ongoing business relationships, and for other legitimate business purposes.

• Legal and Regulatory Compliance: In addition to our operational requirements, we retain Personal Information in compliance with legal, regulatory, accounting, or reporting obligations. This may include retaining data for a certain period as required by insurance, tax, and corporate laws.

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7.2 Deletion Protocol:

• Secure Deletion or Anonymization: Upon reaching the end of the retention period, Personal Information is either securely deleted or anonymized in such a way that the individual can no longer be identified from the information.

• Exceptions to Deletion: In certain cases, we may continue to retain Personal Information beyond the typical retention period if ongoing retention is mandated by law, necessary for the establishment, exercise, or defense of legal claims, or for other legitimate interests that override deletion.

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ARTICLE 8: International Data Transfers

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8.1 Cross-Border Transfer:

• Global Operations: Given our international operations, Personal Information may be transferred to, stored in, and processed in countries other than the country of your residence. These countries may include, but are not limited to, those where Premeem or our affiliates, subsidiaries, contractors, or service providers maintain facilities.

• User Consent: By utilizing our services, you acknowledge and consent to the transfer of your Personal Information outside your country of residence, which may have different data protection standards than those in your country.

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8.2 Safeguards:

• Compliance with Laws: We ensure that all international transfers of Personal Information are carried out in compliance with applicable data protection laws. This includes entering into data transfer agreements or relying on other transfer mechanisms as required by law.

• Standard Data Protection Clauses: We may use standard contractual clauses approved by regulatory authorities as a means of ensuring that Personal Information remains protected to the standards set forth in this Policy, regardless of where it is processed.

• Ongoing Monitoring and Review: Our practices regarding international data transfers are continually monitored and reviewed to ensure they align with legal obligations and best practices.

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ARTICLE 9: Cookies and Similar Technologies

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9.1 Use of Cookies:

• Purpose and Functionality: Cookies are small data files stored on your device that help us improve our website's functionality and your user experience. Cookies and similar technologies, such as pixel tags and web beacons, are used to track website activity, understand user preferences, enhance website performance, and personalize content and advertising.

• Types of Cookies Used: We use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device for a set period or until deleted). This includes strictly necessary cookies, performance cookies, functionality cookies, and targeting or advertising cookies.

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9.2 Consent and Control:

• Consent for Cookies: When you visit our website for the first time, you will be prompted to accept or decline the use of certain types of cookies.

• Cookie Management: You can manage your cookie preferences at any time through your browser settings, where you can delete or block specific cookies. However, please be aware that disabling cookies may affect the functionality of our website and your user experience.

• Third-Party Cookies: Our website may also include cookies set by third parties for analytics, advertising, and social media interactions. We do not control these third-party cookies, and you should check the third-party websites for more information about their cookies and how to manage them.

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ARTICLE 10: Children's Privacy

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10.1 Age Limitations:

• Services Not for Minors: Our services are intended for individuals aged 18 and above. We do not target, market to, or knowingly collect Personal Information from children under the age of 18.

• Measures to Prevent Minor Data Collection: We take measures to ensure that Personal Information is not collected from minors. If a user under 18 attempts to register for our services, we take steps to prevent the completion of registration.

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10.2 Response to Unintentional Collection:

• Deletion of Minor's Information: In the event we become aware that we have inadvertently collected Personal Information from a child under 18, we will take immediate steps to delete such information from our records.

• Reporting Mechanism: If a parent or guardian becomes aware that a child under 18 has provided us with Personal Information, they should contact us immediately using the contact details provided in this Policy. We will then undertake the necessary actions to remove the child's information from our databases.

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ARTICLE 11: Changes to the Privacy Policy

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11.1 Policy Updates:

• Reasons for Updates: The Privacy Policy is a dynamic document that we may update to reflect changes in our data practices, legal and regulatory updates, and shifts in our business model. These updates ensure ongoing compliance and alignment with best practices in data privacy and security.

• Scope of Changes: Changes may include, but are not limited to, modifications in how we collect, use, process, and protect Personal Information, implementation of new technologies, introduction of new services, and compliance with emerging legal requirements.

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11.2 Notification of Changes:

• Notification Methods: We will inform you of any significant changes to our Privacy Policy through our website, email notifications, or other communication channels deemed appropriate. The method of notification will depend on the nature of the changes and the contact information we have for you.

• Timeframe of Notification: Notifications will be issued reasonably in advance of the changes taking effect, giving you ample time to review the modifications.

• Accessibility of Updated Policy: The most current version of our Privacy Policy will always be accessible on our website. We will clearly indicate the effective date of the current policy at the top of the document.

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11.3 Reviewing Changes:

• Encouragement to Review Policy: We encourage all users to regularly review the Privacy Policy to stay informed about our data protection practices. Your continued use of our services after any changes take effect signifies your acceptance of the revised policy.

• Contact for Questions: Should you have any questions or concerns about any changes made to the policy, we welcome you to contact us using the information provided in the policy.

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ARTICLE 12: Additional State-Specific Disclosures

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12.1 General Statement:

• Recognition of State Laws: While this Privacy Policy sets forth our general privacy practices, we acknowledge that residents of certain states may have additional rights and protections under their respective state-specific privacy laws.

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12.2 California Residents:

• CCPA Rights: Under the California Consumer Privacy Act (CCPA), residents of California have the right to:

  • Access: Request disclosure of specific types of Personal Information collected, used, disclosed, and sold.

  • Deletion: Request deletion of their Personal Information.

  • Opt-Out: Opt-out of the sale of their Personal Information.

• Additional Provisions: California residents also have rights related to non-discrimination for exercising their CCPA rights and may designate an authorized agent to make requests on their behalf.

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12.3 Texas Residents:

• Rights Overview: Texas privacy laws afford residents certain rights concerning their Personal Information. These include the right to request information about data collection practices and the right to access their Personal Information.

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12.4 Florida Residents:

• Protection of Personal Information: Florida law mandates specific measures for the protection and secure handling of residents' Personal Information, ensuring their privacy rights are respected in all data processing activities.

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12.5 New Jersey Residents:

• Transparency Requirements: New Jersey's privacy laws emphasize the importance of transparency in data collection. Residents have the right to be informed about the categories of Personal Information collected and the purposes for which it is used.

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12.6 New York Residents:

• Specific Rights: New York privacy laws provide residents with rights similar to those in California, including access, deletion, and opt-out rights concerning their Personal Information.

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12.7 Illinois Residents:

• Data Collection and Processing: Illinois law requires that residents be informed about the types and categories of Personal Information collected, along with the purposes for which this information is processed.

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12.8 Pennsylvania Residents:

• Privacy Protections: Pennsylvania's laws mandate transparent handling of Personal Information, including clear communication regarding data collection and processing practices.

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12.9 Contact for State-Specific Requests:

• Exercising Your Rights: For inquiries or requests related to the privacy laws of your state, please contact us at [Insert Contact Information]. We are committed to responding to your inquiries and facilitating the exercise of your rights in accordance with applicable state laws.

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ARTICLE 13: Contact Information

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13.1 Inquiries and Complaints:

• General Queries: For any questions or general inquiries regarding this Privacy Policy or our data handling practices, please feel free to reach out to us. We are committed to providing clear and comprehensive answers to your questions.

• Complaints: If you have any concerns or complaints about how we handle your Personal Information, please contact us. We take such matters seriously and are dedicated to resolving any issues in a timely and fair manner.

• Contact Methods:

Address: Premeem, Attn: Compliance Dept, 6761 Pansy Drive, Miramar, FL 33023

Email: info@premeem.com

Contact: 888-381-2611

Fax: 561-537-5456