Privacy Policy

Insurance Associates Agency Inc. (“we,” “us,” or “our”), doing business as InsurSmart, is an independent insurance agency domiciled and licensed in Ohio (Agency License #1203) and additionally holding a non-resident license in Michigan. We protect your privacy and the confidentiality of your personal information in compliance with federal and state laws, including Title V of the Gramm-Leach-Bliley Act (GLBA), Ohio Revised Code (ORC) Chapter 3G04 (governing insurance information practices), and applicable Michigan insurance regulations.

This notice describes our practices for collecting, using, disclosing, and protecting personal information—including nonpublic personal information (“NPI”) under GLBA and personal or privileged information under ORC Chapter 3904. It applies to applicants, policyholders, former customers, and visitors to our website.

1.  Information We Collect

We collect information necessary to provide insurance quotes, process applications, support underwriting, issue and service policies, and handle related transactions.

Information You Voluntarily Provide

Through website forms, applications, emails, phone calls, text messages, or other direct communications:

• Identifiers: Name, mailing address, telephone number, email address, date of birth, Social Security number, income, occupation, and marital
• Risk Profiles: Details about your insurance needs—including health history or medical conditions where you are applying for life insurance or Medicare supplement products, and information about vehicles, property, or business operations.
• Credentials: Driver’s license number, vehicle identification numbers (VINs), and prior claims or loss
• Financials: Payment or billing Information Collected Automatically Through Our Website When you visit insursmart.com:
• Google Analytics: We use Google Analytics to gather statistical, aggregated web traffic This helps us analyze how visitors interact with our site, including pages visited, time spent on pages, browser type, device information, and referral sources.

Google Analytics drops first-party cookies and processes short-term IP addresses to compile these metrics.

• Cookies: Session cookies supporting site functionality (such as form navigation) and persistent cookies that retain [1]

We do not collect sensitive personal information through automated tracking technologies. You may manage or disable cookies through your browser settings, though doing so may limit your ability to complete online quote forms. We do not respond to “Do Not Track” browser signals.

2.  Text Messages and Telephone Communications

If you provide a mobile phone number and affirmatively consent on one of our forms, we may send you text messages relating to your quote, application, policy, or service needs.

• Consent to receive text messages is not a condition of purchasing any insurance product.
• Message frequency depends on your service needs; marketing-related text messages will be sent monthly or less
• Standard message and data rates from your carrier may
• You may withdraw consent at any time by replying STOP to any text message, or by contacting us You may reply HELP for assistance.

We retain records of your consent and withdrawals to demonstrate compliance with the federal Telephone Consumer Protection Act (TCPA). We do not sell, share, or transfer your mobile number or SMS consent to third parties for their own marketing purposes.

3.  How We Use Your Information

We use your information strictly for purposes related to your insurance transactions:

• Providing quotes, processing applications, supporting underwriting, and issuing
• Processing claims, payments, and customer
• Detecting and preventing fraud, misrepresentation, or unauthorized
• Complying with regulatory and contractual requirements, including maintaining data records required by our carrier contracts and Ohio
• Analyzing website usage via Google Analytics to improve our site and

We do not use your information for unrelated third-party marketing without your authorization, and we do not sell your personal information.

4.  How We Share Your Information

We disclose personal or privileged information only as permitted by law, including GLBA exemptions and ORC § 3G04.13:

• Underwriting Partners: To insurance carriers, underwriters, reinsurers, wholesalers, or surplus lines brokers for quoting and servicing
• Service Providers: To clear operational partners—such as our third-party website hosting programmer, claims adjusters, premium finance companies, and analytics tools—who are contractually obligated to maintain strict
• Consumer Reporting Agencies: To credit or motor vehicle records providers, as permitted by the Fair Credit Reporting Act, for policy
• Legal Obligations: To regulators, law enforcement, or courts where required by

5.  How We Protect Your Information

We maintain administrative, technical, and physical security safeguards designed to protect against unauthorized access, disclosure, or destruction of your information. Access to customer data is strictly restricted internally to our small operating team for direct business needs. Electronic transmissions containing sensitive data are encrypted.

In accordance with the small-business provisions of the Ohio Insurance Data Security Act (ORC Chapter 3G65), we maintain technical and physical security controls scaled to the size, nature, and complexity of our agency to safeguard your nonpublic personal information. No method of online transmission or storage is completely secure, and we cannot guarantee absolute security.

Notification of a Cybersecurity Event

If we determine that a cybersecurity event involving your nonpublic personal information has occurred, we will investigate promptly. If the breach meets statutory criteria under ORC § 3G65.04 (such as causing a reasonable likelihood of material harm), we will notify the Ohio Superintendent of Insurance as promptly as possible, and no later than three business days. Affected consumers will be notified in compliance with Ohio’s consumer breach notification laws (ORC § 134G.1G). [1, 2]

6.  Your Rights and Choices

Under ORC §§ 3G04.08 and 3G04.0G, you hold specific rights regarding your data:

• Access: You may request a description of recorded personal information we maintain about you, its sources, and recent We will fulfill written requests generally within 30 business days.
• Correction: You may request correction, amendment, or deletion of information you believe is
• Opt-Outs: You may opt out of any marketing disclosures or stop text communications instantly by replying STOP.

7.  Residents of Other Jurisdictions G Children’s Info

• California/EU: We do not meet the applicability thresholds of the California Consumer Privacy Act (CCPA). Insurance transactions are otherwise subject to the CCPA’s explicit exemption for information collected under the We do not target or solicit business from residents of the European Union or the United Kingdom.
• Children: Our services are directed to We do not knowingly collect information from children under 13 for marketing. Information about minors is collected strictly from a parent or guardian for ordinary underwriting (e.g., listing a minor driver or life insurance beneficiary).

8.  Contact Our Privacy Officer

To exercise your rights, ask questions, or opt out of features, please contact our designated Privacy Officer:

Insurance Associates Agency Inc. (web presence as: InsurSmart)

8114 Paul Manors Dr, Ste 200 West Chester, OH 45069 Telephone: (513) 779-7920

Toll-Free: (800) 823-9643

Email: tamccarthy@insursmart.com