Privacy Policy
Team Focus Insurance Group
Team Focus Insurance Group
Privacy Policy
Last Updated: April 2025
INTRODUCTION
This Privacy Policy explains how information about you is collected, used, and shared by Team Focus Insurance Group, LLC (hereafter “Team Focus,” “our,” “we,” or “us”). This Privacy Policy is intended to inform you (“user(s)”, “you”, or “your”) about how we may collect and use the personal information that you provide through your use of and access to our website, mobile applications, and other services, or when you otherwise interact with us (collectively, the “Services”), the manner in which we may use such information, how we protect it, and the choices available to you regarding our use of your personal information. Depending on your relationship with Team Focus, you may receive other privacy notices that provide additional detail about our company privacy practices.
Our goal is to provide you with a personalized experience that delivers the information, resources and services that are most relevant and helpful to you. In order to achieve this goal, we sometimes collect information during your visits to understand what differentiates you from other users.
In order to demonstrate our commitment to your privacy, we have prepared this statement disclosing the privacy practices for the Team Focus site. Additional terms and conditions, if any, regarding the collection and use of your information may also be provided to you before you sign up for a particular service.
We may modify or supplement this Privacy Policy from time to time by posting those changes on this page. Any changes will become effective as of the date of posting. Please review this Privacy Policy often so you are always fully informed of any changes.
It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us or if you are aware that any personal information, we hold is inaccurate.
This Privacy Policy is binding on all those who access, visit, and/or use the Services, whether acting as an individual or on behalf of an entity. If you do not agree to be bound by this Privacy Policy, then do not access or use the Services.
This Privacy Policy is part of our Terms of Use , which govern your use of the Services. By using the Services, contacting us to inquire about the Services, or otherwise providing us with information, you consent to our Privacy Policy and agree to our Terms of Use.
The Services may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites, including our third-party payment processors, and are not responsible for their privacy statements. When you leave the Services, we encourage you to read the privacy policy of every website you visit.
Depending on your location, you may be subject to different protection standards and broader standards may therefore apply to some. In order to learn more about the protection criteria, please refer to the applicable section below.
If you have any questions about this Privacy Policy, please contact us as directed below.
Not Intended For Individuals Under The Age of 18
No one under the age of 18 may provide any personal information on or through the Team Focus site or the Services. We do not knowingly collect personal information from anyone under 18. If you are under 18, do not: (i) use or provide any information on the Team Focus site or the Services or, on or through any of the features available on the Team Focus site or the Services; (ii) use any interactive features on the Team Focus site or Services; or (iii) provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from an individual under 18 without verification of parental consent, we will take appropriate steps to delete that information. If you are a parent or guardian and believe we might have any information from or about an individual under 18, please contact us via email at solutions@teamfocusins.com.
To the extent a minor has posted such content on the Team Focus site or the Online Services, the minor has the right to have this content deleted or removed using the deletion or removal options detailed in this Policy. If you have any questions regarding this topic, please contact us as indicated in the “Comments and Questions” section of this Policy. Please be aware that, although we offer this deletion capability, the removal of content may not ensure complete or comprehensive removal of that content or information.
The Data We Collect About You
Team Focus may collect certain information from and about its users in two ways:
i. directly from the user and from our web server logs; and
ii. user-supplied information.
When you submit a form we may ask you for your name, email address and some other personal information. The more accurate information you volunteer, the better we are able to customize your Team Focus experience.
The personal information we may collect includes, but is not limited to:
i. contact information (i.e. name, e-mail address, postal address, telephone number),
ii. employee identification numbers,
iii. government-issued identification numbers (i.e. social security numbers or driver’s license numbers),
iv. billing information (i.e., credit card or bank account information),
v. other information such as demographic data (i.e. gender and date of birth), and
vi. information specific to the type of insurance product requested or purchased, subject to the terms of this Privacy Policy.
We may use the personal information that is collected so that we can:
i. allow users with a username and password to access specialized portions of the Services,
ii. process payments,
iii. share with our affiliates for purposes of performing the Services,
iv. contact you to respond to inquiries related to the Services and/or related to purchasing products and services offered by or through Team Focus,
v. review, consider, and/or process applications and supplemental documentation submitted through the Services, and
vi. communicate with you to provide you with relevant information about Team Focus and the products and services it offers, including but not limited to, pricing, special promotions and discounts.
In all of these cases, we will collect personal information from you only if you voluntarily submit such information to us. Further, you agree that we may contact you based on the information you provide.
We may obtain information, including PII, from third parties and sources other than the Team Focus site or the Services, such as our partners, vendors and credit reporting agencies. If we combine or associate information from other sources with PII that we collect through the Team Focus site or the Services, we will treat the combined information as personal information in accordance with this Privacy Policy.
Cookies And Other Technologies
The Services may use “cookies” and/or other technologies or files (collectively, “cookies”) to identify how visitors make use of the Team Focus site or the Online Services. Through the use of cookies, we may automatically collect certain information which is not personal information when you visit our site or use the Services, including, but not limited to, the time and date of your visit, the pages that you access, and the number of times you return to our site or use the Services. This information is not used to identify you but is used in the aggregate to help us improve and enhance the website experience for all of our visitors. If you would prefer not to have such cookies stored on your computer, you may modify your browser settings to reject most cookies, or manually remove cookies that have been placed on your computer. However, by rejecting the cookies, you may be unable to fully access the offerings on our site or the Services.
We may also automatically collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. This “automatically collected” information may include IP address or other device address or ID, web browser and/or device type, the web pages or sites visited just before or just after visiting our site, using the Services or opening an e-mail message sent by us, and the dates and times of the visit, access, or use of our site or the Services. When authorized by us, third parties specializing in monitoring aggregate statistical use of our site or Services with whom we contract, may use cookies, our web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.
Additionally, we may use IP address information to count and track aggregate visits to the Team Focus site, to help diagnose problems with our server, and to administer our site or the Services. We do not link IP addresses to anything personally identifiable, so while a particular user’s session can be tracked, the user remains completely anonymous.
How And When Information Is Use
We use your personal information for the following purposes and as otherwise described in this Privacy Policy or at the time of collection:
To operate the Services. We use your personal information to:
· provide, operate and improve the Services;
· provide information about our products and services;
· establish and maintain your user profile on the Services;
· communicate with you about the Service, including by sending you announcements, updates, security alerts, and support and administrative messages;
· understand your needs and interests, and personalize your experience with the Service and our communications;
· provide support and maintenance for the Services; and
· to respond to your requests, questions and feedback.
To send you marketing and promotional communications. We may send you marketing communications as permitted by law. You may opt out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email.
For system administration. We use information we collect automatically (not including personal information) to help identify which areas of our site are of interest to visitors and to assist in system administration.
To comply with law. We use your personal information as we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
For compliance, fraud prevention, and safety. We may use your personal information to disclose it to law enforcement, government authorities, and private parties as we believe necessary or appropriate to: (a) protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern the Service; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.
In the event of a sale or other transaction. We may physically or electronically transfer personal information to an acquirer, or successor or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, as well as in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets, for the sole purpose of continuing the operation of the Team Focus site or the Services, and only if the recipient of the personal information commits to a privacy policy that has terms substantially consistent with this Privacy Policy.
With your consent. In some cases we may specifically ask for your consent to collect, use or share your personal information, such as when required by law.
Data Security
The privacy and protection of your personal information is vitally important to us. Except as otherwise set forth in this Privacy Policy, we do not make your personal information available to any third parties without your permission. Any user statistics that we may provide to prospective partners regarding your Team Focus usage are provided in the aggregate only and do not include any personally identifiable information about any individual user.
Your access to some Services and content is password protected. We recommend that you do not divulge your password to anyone. We will never ask you for your password in an unsolicited phone call or in an unsolicited email. You should not disclose your username and password to others.
In addition, if applicable, you should remember to sign out of your Team Focus account or service at the end of each session. You may also wish to close your browser window when you have finished your work. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or internet cafe.
No data transmission over the internet can be guaranteed to be 100% secure. Accordingly, despite our efforts to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us. You transmit all such information at your own risk.
Data Retention
We will only retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.
In some circumstances we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
Data Transfers
Your information, including personal information, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside of the United States and choose to provide information to us, please note that we transfer the data, including personal information, to the United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
We will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
U.S. State Privacy Rights
Under some U.S. state laws residents may have the rights listed below:
● Right to Know: The right to request the personal information that we collect, use or disclose and information about our data practices;
● Right to Request Deletion: The right to request that we delete the personal information we have collected about a user;
● Right to Opt-Out of Data Sales: The right to restrict the sale to third parties of a user’s personal information that we have collected;
● Right to Non-Discrimination: The right to not be discriminated against for exercising any of these rights;
● Right to Correct Information: The right to update or correct the personal information that we collect;
● Right to Limit Use or Disclosure of Sensitive Personal Information: The right to limit the use and disclosure of Sensitive Personal Information (as defined under the CPRA);
● Right to Access Information Related to Automated Decision Making: The right to inquire about our logic involved in automated decision-making applied to personal information we collect; and
● Right to Opt-Out of Automated Decision-Making Technology: The right to request a user’s removal from having automated decision-making applied to a user’s personal information that we collect.
To request further information pursuant to a user’s “right to know” or to request deletion of personal information pursuant to the user’s “right to request deletion”, please contact us at solutions@teamfocusins.com.
Only a user or an authorized agent may make a request related to such user’s personal information. Note that to respond to a user’s requests to access or delete personal information as outlined in applicable state laws, we must verify the user’s identity.
Please note, while we strive to always act in accordance with applicable laws, data protection laws change and update frequently. If you have any questions, concerns, or requests regarding the handling of your personal information, please contact us at solutions@teamfocusins.com. Please note we may take reasonable steps to verify your identity and the authenticity of the request.
California Civil Code Section 1798.83 permits California residents to request and obtain a list of what personal information (if any) that we disclosed to third parties for direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. California residents are entitled to request and obtain such information by emailing a request to solutions@teamfocusins.com.
Your Data Protection Rights Under The General Data Protection Regulation (GDPR)
If you are a resident of or located within the European Economic Area (EEA), Switzerland or the UK, you have certain additional data protection rights. These rights include:
- The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your personal information directly within your account settings section.
- The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
- The right to object. You have the right to object to our processing of your personal information.
- The right of restriction. You have the right to request that we restrict the processing of your personal information.
- The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
- The right to withdraw consent. You also have the right to withdraw your consent at any time where we relied on your consent to process your personal information.
To exercise any of the above rights, please contact us at solutions@teamfocusins.com. In order to comply with such requests, we may require additional information from you in order to confirm your identity.
Should you wish to raise a concern about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local supervisory authority; however, we hope that we can assist with any queries or concerns you may have about our use of your personal information first.
For more information, please contact your local data protection authority.
Legal Basis for Processing Personal Information Under GDPR
Our legal basis for collecting and using the personal information described in this Privacy Policy depends on the personal information we collect and the specific context in which we collect it.
We may process your personal information because:
- We need to perform a contract with you;
- You have given us permission to do so;
- The processing is in our legitimate interests and it is not overridden by your rights; or
- To comply with the law.
Transfer of Information
Your information, including personal information, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including personal information, to the United States and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
We will take all the steps reasonably necessary to ensure that your personal information is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Changes In This Privacy Policy
We reserve the right to modify and update this Privacy Policy at any time by posting an amended version of the statement on the Services. Please refer to this policy regularly. If at any time we decide to use personal information in a manner different from that stated at the time it was collected, we will notify you either on the Services or via email.
Questions And Comments
If you would like to provide feedback to us about this Privacy Policy, or if you have any questions, please contact us at solutions@teamfocusins.com.
