Privacy Policy

SOL DEL CARIBE LLC — Last Updated: October 24, 2023

1. Introduction

Sol del Caribe LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our insurance services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

2. Information We Collect

We may collect information about you in a variety of ways, including:

  • Personal Data: Name, email address, telephone number, date of birth, address, Social Security number (when required for insurance applications), and other identifiers.
  • Financial Data: Bank account information, payment card details, and billing address when you make a payment.
  • Insurance Data: Policy numbers, claims history, coverage details, and health or property information necessary to obtain quotes.
  • Derivative Data: Information collected automatically when you access our website, including IP address, browser type, operating system, and pages visited.
  • Mobile Device Data: Device ID, model, operating system, and location data if you access services via a mobile device and grant permission.

3. How We Use Information

We use your information to:

  • Provide, operate, and maintain our insurance services
  • Process insurance applications and claims
  • Communicate with you about your policy
  • Send administrative information and service updates
  • Respond to inquiries and provide customer support
  • Comply with legal and regulatory obligations
  • Detect and prevent fraud
  • Improve our website and services
  • Send marketing communications where you have opted in

4. Sharing Information

We may share your information with:

  • Insurance carriers and underwriters to obtain quotes and process policies
  • Service providers who assist in operating our website and business (e.g., IT support, payment processors)
  • Regulatory and government authorities as required by law or to protect our legal rights
  • Business partners where you have provided consent
  • Successors in the event of a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for their marketing purposes.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including compliance with legal, regulatory, accounting, or reporting obligations. Insurance records are typically retained for a minimum of seven (7) years as required by Florida law.

6. Security

We implement administrative, technical, and physical security measures designed to protect your personal information. These include encrypted transmissions (SSL/TLS), restricted access controls, and employee training. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Cookies

We may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings; disabling cookies may affect the functionality of our website. We use cookies for session management, analytics, and improving user experience.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to read the privacy policies of any site you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. California Rights (CCPA)

California residents have the right to: (a) know what personal information is collected; (b) know whether personal information is sold or disclosed; (c) opt out of the sale of personal information; (d) access their personal information; and (e) non-discrimination for exercising their rights. To exercise these rights, contact us at info@insurancesoldelcaribe.com.

11. Florida Residents

Florida residents have rights under the Florida Information Protection Act (FIPA). We will notify affected individuals and the Florida Department of Legal Affairs in the event of a breach of security involving personal information, as required by law.

12. Marketing Communications

With your consent, we may send you marketing emails or text messages about our products and services. You may opt out at any time by clicking the unsubscribe link in any email or by contacting us directly. Opting out of marketing communications will not affect transactional or service-related messages.

13. Your Choices

You have the right to access, update, or request deletion of your personal information. You may also object to or restrict certain processing. To exercise these rights, please contact us using the information in Section 48. We will respond within a reasonable time and in accordance with applicable law.

14. Data Accuracy

We strive to maintain accurate and up-to-date records. If you believe any information we hold about you is inaccurate or incomplete, please contact us and we will promptly investigate and correct it.

15. Insurance Information

As a licensed insurance agency, certain information we collect is governed by state insurance regulations in addition to this Privacy Policy. Your insurance information will only be shared with carriers, underwriters, and regulators as necessary to provide services and comply with law.

16. Third-Party Services

We may use third-party services such as Google Analytics, CRM platforms, and email service providers. These third parties process data on our behalf under confidentiality agreements and data processing agreements, and are prohibited from using your data for any other purpose.

17. Business Transfers

In the event of a merger, acquisition, reorganization, or sale of all or a portion of our assets, your personal information may be transferred as part of the transaction. We will notify you via email or prominent notice on our website before your information becomes subject to a different privacy policy.

18. Aggregated Data

We may use and share aggregated, de-identified data that cannot reasonably be used to identify you. Such data may be used for industry research, analytics, and improving our services.

19. Sensitive Information

We may collect sensitive information such as health information, Social Security numbers, and financial account details where necessary for insurance processing. This information receives heightened protection and is only disclosed as required for the purpose for which it was collected or as required by law.

20. Do Not Track

Some browsers include a "Do Not Track" feature. Our website does not currently respond to Do Not Track signals. We will update this policy if our practices change.

21. International Transfers

Your information is processed and stored in the United States. If you access our services from outside the US, your information may be transferred to and processed in the US, where data protection laws may differ from those in your country.

22. Legal Basis

Where applicable, we process personal information on the following legal bases: performance of a contract (to provide insurance services you have requested), compliance with a legal obligation, legitimate interests (fraud prevention, security, improving services), and consent (for marketing communications).

23. Automated Decisions

We do not make significant automated decisions about you that produce legal effects without human review. Insurance eligibility and pricing decisions involve human agents who review information provided by you and insurance carriers.

24. Data Breaches

In the event of a data breach that poses a risk to your rights and freedoms, we will notify affected individuals and relevant authorities within the timeframes required by applicable law. Notifications will include the nature of the breach, likely consequences, and steps we are taking to address it.

25. Regulatory Compliance

Sol del Caribe Insurance is licensed in the state of Florida and complies with all applicable state and federal insurance regulations, including the Gramm-Leach-Bliley Act (GLBA), which governs the privacy of customer financial information held by insurance companies.

26. Social Media

Our website includes links to and features from social media platforms. If you interact with our social media pages (Facebook, Instagram), those platforms collect information under their own privacy policies. We may receive aggregate data about interactions with our pages.

27. Email Communications

We use industry-standard email delivery services. Our emails may contain tracking pixels that help us measure open rates and engagement. You can disable image loading in your email client to prevent this tracking.

28. Mobile Applications

If we offer a mobile application in the future, it may collect device information and location data (with your permission). That application will be governed by a supplemental privacy notice.

29. User Accounts

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials. Please notify us immediately if you believe your account has been compromised.

30. Feedback

Any feedback, comments, or suggestions you provide to us become our property. We may use this information to improve our services without any obligation to compensate you or maintain confidentiality.

31. Surveys

We may invite you to participate in surveys to help us improve our services. Participation is entirely voluntary. Survey responses may be aggregated and published in de-identified form.

32. Testimonials

With your explicit consent, we may publish testimonials or reviews on our website. If you wish to update or remove your testimonial, please contact us.

33. Job Applicants

Information submitted in job applications is used solely for recruitment purposes. Unsuccessful applicants' information may be retained for up to twelve (12) months in case a suitable position becomes available, then deleted unless consent is renewed.

34. Partners & Vendors

Information shared with our business partners and vendors is limited to what is necessary for them to provide services on our behalf. Partners are contractually required to protect your information and use it only for specified purposes.

35. Government Requests

We may disclose your information to law enforcement, regulatory agencies, or other government authorities when required by law, subpoena, or other legal process, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.

36. Fraud Prevention

To protect against fraud and unauthorized access, we may cross-reference your information against fraud prevention databases. Suspected fraudulent activity will be reported to appropriate authorities.

37. Analytics

We use website analytics tools to understand how visitors interact with our site. Analytics data is typically aggregated and anonymized. We use this data to improve content, navigation, and overall user experience.

38. Advertising

We may use retargeting or remarketing technologies to show you relevant advertisements on third-party platforms. You can opt out of interest-based advertising through your browser settings or industry opt-out programs such as the Digital Advertising Alliance.

39. Consent

Where we rely on consent as our legal basis for processing, you have the right to withdraw consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal.

40. Updates to Policy

We reserve the right to update this Privacy Policy at any time. Material changes will be communicated by posting the revised policy on our website with an updated effective date. Continued use of our services after the effective date constitutes acceptance of the revised policy.

41. Grievance

If you have a complaint or concern about how we handle your personal information, please contact our privacy team at info@insurancesoldelcaribe.com. We will investigate and respond within 30 days. You also have the right to lodge a complaint with the relevant data protection authority.

42. Accessibility

We are committed to making this Privacy Policy accessible to all individuals. If you require this policy in an alternative format, please contact us and we will do our best to accommodate your needs.

43. Severability

If any provision of this Privacy Policy is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

44. Entire Agreement

This Privacy Policy, together with our Terms of Service and any other notices posted on our site, constitutes the entire agreement between you and Sol del Caribe LLC regarding the use of your personal information.

45. Waiver

Our failure to enforce any right or provision of this Privacy Policy will not be considered a waiver of those rights. A waiver of any provision must be in writing and signed by an authorized representative of Sol del Caribe LLC.

46. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

47. Dispute Resolution

Any dispute arising from this Privacy Policy shall be resolved through binding arbitration in Miami-Dade County, Florida, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

48. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: