Privacy Policy.

1. Who we are

This policy covers the website and online forms of Beyond Insurance Group LLC, a Michigan limited liability company and licensed independent insurance agency located at 46819 Garfield Rd, Macomb, MI 48044 ("Beyond," "we," "us" or "our"). It also covers phone calls, emails and text messages with our agency.

2. Information you give us

We collect information only when you choose to give it to us, for example by filling out a quote, upload, service or contact form, or by calling, texting or emailing us. Depending on what you ask for, this may include:

• Contact details: name, phone number, email and mailing address.
• Quote details: date of birth; property address and home details; vehicles and VINs; drivers and driver's license information; driving and claims history; current insurance; and business details for commercial coverage.
• Documents you upload: such as declarations pages, policies, photos or inspection reports.
• Messages: what you write in forms, emails and texts, and notes from our conversations.

Please don't send full Social Security numbers, bank account numbers or credit card numbers through our website forms, email or text. If an insurance company needs this information, we'll arrange a secure way to collect it.

3. Information collected automatically

We don't use analytics tools, advertising pixels, tracking cookies or session recording, and we don't build profiles of visitors. A few things happen automatically just to show you the website:

• Hosting: our web host (Netlify) receives standard technical information such as your IP address, browser type and the pages requested, which it uses to deliver and secure the site.
• Fonts: the site's fonts load from Google Fonts, so Google receives your IP address and browser information when a page loads.
• Forms: our forms are provided by Cognito Forms and load from its servers. When you submit a form, Cognito Forms stores your answers on our behalf.
• Light/dark setting: if you use the light/dark switch, your choice is saved in your own browser so the site remembers it. It isn't sent to us.

4. How we use your information

• To prepare quotes, compare carriers and help you apply for insurance.
• To service your policies, including changes, renewals, billing questions and claims help.
• To reply to your questions and keep in touch about your coverage.
• To send texts and emails you've agreed to receive (see Text messages below).
• To meet our legal, licensing and record-keeping obligations, and to prevent fraud.

5. Who we share it with

We share personal information only as needed to help you, and only with:

• Insurance companies and their underwriting partners (including wholesale brokers and managing general agents) so they can quote, issue and service your coverage. They may check consumer reports such as motor vehicle records, claims history and insurance scores, as allowed by law. Each insurance company will give you its own privacy notice.
• Service providers who help us run the agency, such as our form, email, phone and text-messaging, document storage, agency-management and website-hosting providers. They may use your information only to provide services to us.
• Government and legal authorities when required by law, such as state insurance regulators, or to protect against fraud.
• A future owner of the agency if Beyond is ever sold or merged, under the same protections described here.
• Anyone else you ask us to share it with, such as a mortgage lender, landlord or attorney.

We do not sell or rent your personal information, and we do not share it for targeted or cross-context behavioral advertising.

6. Text messages (SMS)

If you give us your mobile number and agree to receive text messages, for example by checking a consent box on one of our forms or texting us first, Beyond Insurance Group may text you at that number from (248) 220-3331 about:

• your quote request and follow-up questions;
• policy service, such as documents, ID cards, payments, renewals and changes;
• appointment and callback reminders; and
• claims help and important account notices.

• Frequency: message frequency varies.
• Cost: message and data rates may apply.
• Opt out: reply STOP at any time to stop receiving texts. We'll send one message confirming you've been unsubscribed.
• Help: reply HELP, call (248) 220-3331 or email team@beyond.insure.
• Not required: consent to receive texts is not a condition of buying any product or service.
• Carriers: mobile carriers are not liable for delayed or undelivered messages.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

7. How we protect it

We use reasonable administrative, technical and physical safeguards to protect your information, and we limit access to the people at Beyond who need it to help you. As an insurance agency, we also follow the privacy and security requirements of the federal Gramm-Leach-Bliley Act and state insurance laws. No website, email or text system is completely secure, so please follow the guidance in section 2 about sensitive numbers.

8. How long we keep it

We keep personal information for as long as we need it to help you and service your policies, and for as long as insurance regulations and other laws require us to keep records. When we no longer need it, we delete or securely destroy it.

9. Your choices and rights

• Access and correction: ask us what information we have about you and to correct anything that's wrong.
• Deletion: ask us to delete your information. We'll do so unless we must keep it to service a policy or meet legal and regulatory record-keeping requirements.
• Texts and emails: reply STOP to any text, or ask us to stop emailing you.
• State privacy rights: depending on where you live, you may have additional rights under your state's laws. We'll honor requests as those laws require and won't treat you differently for making one.

To make a request, email team@beyond.insure or call (248) 220-3331. We may need to confirm your identity first.

10. Children

Our website isn't meant for children under 16, and we don't knowingly collect personal information from them online. Information about minors (for example, a teen driver on a family auto policy) is collected only from a parent or guardian.

11. Do Not Track

Because we don't track visitors across websites, there's nothing for a browser "Do Not Track" or Global Privacy Control signal to turn off, but we're glad to honor those signals if our practices ever change.

12. Changes to this policy

If we change this policy, we'll post the new version here and update the "Last updated" date. If a change materially affects how we use information we already have, we'll let you know before it takes effect.

13. Contact us

Beyond Insurance Group LLC
46819 Garfield Rd, Macomb, MI 48044
Call or text (248) 220-3331
team@beyond.insure