1. INTRODUCTION

Michael Berntsen, doing business as "Insure with Mike B" ("we," "us," or "our"), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website insurewithmikeb.com, use our services, or communicate with us via SMS/text messaging.

2. INFORMATION WE COLLECT

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

Fill out forms on our website

Request insurance quotes or information

Sign up to receive text messages

Contact us via email or phone

Use our services

This information may include:

First and last name

Phone number

Email address

Information related to insurance inquiries

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies installed on your device.

2.3 SMS/Text Messaging Information

When you opt in to receive text messages, we collect and store your mobile phone number and records of your consent, message history, and opt-out requests.

3. HOW WE USE YOUR INFORMATION

We use the personal information we collect to:

Provide insurance quotes and services

Send transactional SMS messages (appointment reminders, policy updates, confirmations)

Send marketing SMS messages (with your separate consent)

Respond to your inquiries and provide customer support

Communicate with you about our services

Comply with legal obligations

Improve our website and services

4. SHARING YOUR INFORMATION

We may share your personal information in the following circumstances:

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

CRM and communication platforms (for managing customer relationships and SMS messaging)

Website hosting and analytics providers

Email service providers

4.2 Insurance Carriers

When you request insurance quotes or services, we may share relevant information with insurance carriers to fulfill your request.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders or government agencies).

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction.

5. SMS/TEXT MESSAGE PRIVACY

We will never sell or share your phone number with third parties for their marketing purposes without your explicit consent

Your mobile number will only be used to send you messages you have consented to receive

Message and data rates may apply

You can opt out at any time by texting STOP to any message

6. DATA RETENTION

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

7. YOUR PRIVACY RIGHTS

Under Canadian privacy laws (including PIPEDA), you have the right to:

Access the personal information we hold about you

Request correction of inaccurate or incomplete information

Request deletion of your personal information (subject to legal obligations)

Withdraw consent for marketing communications at any time

File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, please contact us using the information provided below.

8. DATA SECURITY

We implement reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. COOKIES AND TRACKING TECHNOLOGIES

Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can set your browser to refuse cookies, but this may limit your ability to use certain features of our website.

10. THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. CHILDREN'S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after any modifications indicates your acceptance of the updated Privacy Policy.

13. CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Michael Berntsen
Insure with Mike B
Calgary, Alberta, Canada
Email: [email protected]
Phone: +1 (403) 651-9062
Website: insurewithmikeb.com

14. COMPLIANCE

This Privacy Policy is designed to comply with:

Personal Information Protection and Electronic Documents Act (PIPEDA)

Canada's Anti-Spam Legislation (CASL)

Alberta's Personal Information Protection Act (PIPA)

Applicable federal and provincial privacy laws