Privacy Policy

Introduction

Kalita Agency operates as a service facilitator connecting individuals and businesses with insurance coverage options. This Privacy Policy outlines the collection, use, storage, and disclosure practices applied to personal information submitted through our platform or during direct interactions with our team.

By using our services or providing information, you acknowledge the practices described herein. This policy applies to all users regardless of location, though specific regional regulations may impose additional requirements.

Information We Collect

We collect information necessary to evaluate coverage needs, generate quotes, facilitate enrollment, and maintain client relationships. Data collection occurs through multiple channels including web forms, phone consultations, email correspondence, and third-party integrations.

• Personal identification data including full name, date of birth, Social Security number, and contact information
• Financial information such as income level, employment status, and payment details for premium processing
• Health-related data when evaluating medical, Medicare, or life insurance applications
• Property and vehicle information for home and auto insurance assessments
• Business classification details including industry type, employee count, and operational risk factors
• Usage data from website interactions including IP addresses, browser types, and navigation patterns

How We Use Your Information

Collected information is used to fulfill service requests, maintain accurate records, comply with regulatory requirements, and improve operational efficiency.

• Generating insurance quotes from multiple carriers based on submitted criteria
• Facilitating policy enrollment and coordinating with insurance providers
• Processing premium payments and managing account billing
• Providing customer support and responding to service inquiries
• Conducting policy reviews and recommending coverage adjustments
• Complying with legal obligations including reporting and disclosure requirements
• Analyzing service performance and identifying areas for operational improvement

Sharing Your Information

We disclose personal information to third parties only when necessary to provide services, fulfill legal obligations, or with explicit consent.

• Insurance carriers and underwriters for quote generation and policy issuance
• Payment processors handling premium transactions
• Government agencies when required by law or regulation
• Professional service providers including legal counsel and auditors under confidentiality agreements
• Business successors in the event of merger, acquisition, or asset transfer

Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption protocols, access controls, secure data storage systems, and regular security assessments.

While we maintain industry-standard protections, no system is entirely immune to security breaches. We cannot guarantee absolute security but commit to promptly addressing any identified vulnerabilities and notifying affected individuals in accordance with applicable breach notification laws.

Data Retention

Personal information is retained for the duration necessary to fulfill service obligations, comply with legal requirements, resolve disputes, and enforce agreements. Retention periods vary based on information type and regulatory mandates.

Insurance application records are typically maintained for the policy term plus applicable statutory periods. Financial transaction records follow accounting and tax compliance timelines. Marketing communications data is retained until consent withdrawal or when no longer relevant.

Your Rights

You maintain certain rights regarding personal information collected and processed by Kalita Agency, subject to applicable legal frameworks.

• Access to personal information held in our systems
• Correction of inaccurate or incomplete data
• Deletion of information no longer required for legitimate purposes
• Restriction of processing in specific circumstances
• Objection to certain uses including direct marketing
• Data portability where technically feasible

Requests to exercise these rights should be submitted to [email protected]. We will respond within timeframes required by applicable law.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance user experience, analyze traffic patterns, and support functionality. Cookies are small text files stored on your device that enable session management and preference retention.

You may configure browser settings to reject cookies, though this may limit certain website features. Third-party analytics services may also place cookies to track aggregate usage data.

Third-Party Links

Our platform may contain links to external websites operated by insurance carriers, regulatory agencies, or other entities. We are not responsible for the privacy practices or content of these third-party sites. Users should review privacy policies of any external site before providing personal information.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that a minor has provided information without parental consent, we will take steps to delete such data promptly.

Changes to This Policy

This Privacy Policy may be updated periodically to reflect changes in practices, legal requirements, or operational needs. Material revisions will be communicated through website notices or direct outreach to active clients. Continued use of our services following policy updates constitutes acceptance of revised terms.

Contact Information

Questions, concerns, or requests regarding this Privacy Policy should be directed to:

Kalita Agency
3465 N Desert Dr Suite 100
East Point GA 30344
Email: [email protected]
Phone: +1 (478) 200-9294