Privacy Policy

At CMB, LLC ("we", "our", "us"), your privacy is of utmost importance. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website or use our insurance services. By using our website or services, you consent to the practices described in this policy.

1. Information We Collect

1.1 Personal Identification Information

To provide our insurance services effectively, we collect various types of personal information. This includes basic information such as your full name, date of birth, Social Security number, email address, phone numbers, and both residential and mailing addresses.

For driver-related information, we collect your driver's license number and state, comprehensive driving history and records, any traffic violations and accidents, as well as your years of driving experience. This information helps us assess risk and determine appropriate coverage options.

Regarding your vehicle, we collect detailed information including the make, model, and year of your car, the Vehicle Identification Number (VIN), mileage and usage patterns, safety features and any modifications, as well as information about parking location and security measures in place.

We also maintain records of your insurance history, including information about previous insurance carriers, policy numbers and coverage types, claims history and details, and your premium payment history. This helps us provide continuity of service and appropriate coverage.

Financial information is necessary for processing payments and assessing risk. This includes payment card details, bank account information, credit history and scores, and when required, income verification documentation.

1.2 Usage and Technical Data

When you interact with our website and digital services, we automatically collect technical information about your device, including your IP address and location data, device type and operating system, browser type and version, and screen resolution and settings.

We track usage information to improve our services, including pages visited and time spent on them, navigation patterns, click streams and interactions, and which features and tools you use. This helps us understand how our services are being used and how we can improve them.

Our website uses various tracking technologies including session cookies (which expire when you close your browser), persistent cookies (which remain on your device for a set period), web beacons, and analytics data. These tools help us provide a better user experience and improve our services.

2. How We Use Your Information

2.1 Core Business Purposes

For policy administration, we use your information for underwriting and risk assessment, calculating premiums, issuing and renewing policies, and processing coverage modifications. This ensures your policy accurately reflects your insurance needs.

In claims processing, your information is essential for investigating and verifying claims, assessing damage, processing payments, and detecting potential fraud. This helps us provide efficient and fair claims service.

For customer service purposes, we use your information to manage your account, respond to support requests, address policy inquiries, and process documentation requests. This enables us to provide responsive and effective customer service.

2.2 Communication and Marketing

We send service communications including policy updates and renewals, payment reminders, claims status updates, and important legal notices. These communications ensure you stay informed about your insurance coverage.

Our marketing communications may include special offers and promotions, announcements about new products, customer surveys, and educational content. These help you stay informed about opportunities to optimize your insurance coverage.

3. SMS Communication Consent

3.1 Types of Messages

When you provide your phone number and consent, you will receive policy notifications including renewal reminders, payment confirmations, coverage changes, and document availability notices. For claims processing, you'll receive updates about claim status changes, reminders about required documentation, payment notifications, and communications from adjusters.

3.2 Message Frequency and Costs

We limit our text messages to a maximum of 6 per month. Standard message and data rates from your carrier will apply, and these charges may vary based on your mobile plan. We do not charge premium rates for our messages.

3.3 Opt-Out Instructions

You can stop receiving SMS messages at any time through several methods. Simply reply "STOP" to any message we send, contact our customer service team, update your preferences in your account settings, or submit a written request to opt out.

4. Information Sharing and Disclosure

4.1 Business Partners and Service Providers

We share information with insurance partners including underwriters and reinsurers, claims adjusters, risk assessment providers, and fraud detection services. This collaboration ensures we can provide comprehensive insurance services.

We also work with service providers including payment processors, technology providers, customer support services, and marketing agencies. These partnerships help us deliver efficient and effective services.

4.2 Legal and Regulatory Disclosure

There are circumstances where we may need to disclose your information: when required by law, in response to legal requests, to protect our rights, or to prevent fraud. We take these obligations seriously and only disclose information when necessary.

No mobile information will be shared or sold to third parties for marketing purposes.

5. Data Security Measures

5.1 Technical Safeguards

We implement robust encryption measures including SSL/TLS encryption, end-to-end data encryption, secure data storage, and encrypted backups. Our access controls include multi-factor authentication, role-based access, regular access reviews, and comprehensive audit logging.

5.2 Organizational Measures

Our employees undergo regular training on privacy awareness, security protocols, data handling procedures, and incident response. We conduct regular security assessments including audits, vulnerability testing, penetration testing, and risk assessments to ensure the safety of your data.

6. Your Privacy Rights

6.1 Access and Control

You have comprehensive rights regarding your personal information. These include the right to access your personal information, request corrections to inaccurate data, request deletion of your information, restrict processing of your data, object to certain uses of your data, and receive your data in a portable format.

6.2 Exercise Your Rights

To exercise your privacy rights, you can access your account settings, contact our privacy team directly, submit a written request, or use our online privacy portal. We are committed to helping you maintain control over your personal information.

7. Children's Privacy

CMB, LLC maintains strict policies regarding children's privacy. We do not intentionally collect data from minors under 18 years of age. If we discover we have inadvertently collected data from a minor, we will delete it immediately. In cases where we need to collect information about a minor for insurance purposes, we require parental consent and implement special protections for this data.

8. Policy Updates

8.1 Change Process

We regularly review and update our privacy policy to ensure it reflects our current practices and complies with regulations. When we make changes, we'll notify you via email. For material changes, we provide 30 days' notice before implementation. Previous versions of our privacy policy are available upon request.

8.2 Your Response to Changes

When we update our policy, we encourage you to review the changes carefully. You can choose to accept or reject these changes, modify your account settings accordingly, and contact us with any questions about the updates.

9. Contact Information

9.1 General Inquiries

CMB, LLC
1029 TRUMAN AVENUE
KEY WEST, FL 33040
Phone: 208-738-5211
Email: hello@motormates.com

9.2 Specific Departments

• Privacy Concerns: privacy@motormates.com
• Data Requests: datarequests@motormates.com
• Security Issues: security@motormates.com
• Legal Department: legal@motormates.com

9.3 Response Time

• General inquiries: 1-2 business days
• Privacy requests: 5-7 business days
• Data access requests: 30 days
• Legal matters: As required by law