Privacy Policy

Last updated October 8, 2012

We do not sell your information. Period. At and its related companies, protecting your privacy and earning your trust is essential. Policyholders just like you have trusted us with their insurance needs for over 26 years, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information. This Privacy policy applies solely to and its affiliated companies, as insurance brokers. For privacy policy information related to your chosen insurance carrier, please refer to that insurance carrier’s privacy policy.


This summary tells you the basics of our privacy commitment to you, how we collect and use your information, how we protect it, and who can see it. Please read the entire privacy policy below for full details.

  • We obtain personal information from you directly, from your transactions with us, and from third parties such as state motor vehicle departments (DMV’s).
  • We use your information only to conduct our business and provide insurance to you.
  • We will not sell your information to third parties for marketing purposes
  • Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
  • We extensively secure and limit access to your information.
  • We protect information about potential, current, and former policyholders.

Information We Collect

Personally Identifiable Information From You: During the quoting process, application, or claims handling processes we may ask for certain personally identifying information including but not limited to your: name, address, phone number, email address, Social Security number, driver’s license number, and/or date of birth. If you gave us your email address, we may use it from time to time to notify you of such things as transaction confirmations, exciting new services, great deals or special offers. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe to opt-out by following the instructions at the bottom of any email you may receive. Please allow up to 10 days for the opt-out request to take effect. We may also collect Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.

Non-Personally Identifiable Information; We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy. We may collect non-personally identifiable information about you through a variety of technical methods, including the following: Collection of Usage Details and IP Address. As you navigate through this Site, we may collect details of your visits to this Site, including, but not limited to, traffic data, location data, logs, the resources that you access, and information about your computer and Internet connection, including your IP address, operating system and browser type. We may use this information for system administration and to report aggregate information to our advertisers and business partners. Collection with Cookies. “Cookies” are pieces of information that a website sends to your computer while you are viewing a website. We may set and access cookies on your computer to track and store preferential information about you. You consent to our placement of cookies on your computer. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to do so, however, your use of certain aspects of this Site may be restricted.

The information collected through these technical methods, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information. If this happens, we will treat the combined information as personally identifiable information.

Information From Third Parties: We may request and subsequently receive Information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, and/or credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state and federal laws. Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to purchase a policy with, we will also confirm your driving history, motor vehicle, vessel, or home owners’ record and claims history (as applicable to confirm your quote). As permitted by law, we may also review your applicable record, claims history, and/or credit information in connection with any renewal(s).

Access and Correction of Personal Information: You may have the right to access and correct the personal information that we have collected about you. Upon your request we will provide you with a notice of our insurance information practices that describes how those rights may be exercised. Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records.

The Information We Disclose

Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records. We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

If you’re wondering how, specifically, we disclose your information, the following examples may or may not apply to you:

We must exchange Information about you with the Insurance Carrier agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make. When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair or replace your covered item(s). We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us or your policy’s specific Insurance Carrier. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided. Information may be provided to organizations conducting research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.

  • We may also share your Information for other permitted purposes, including:
  • with another insurance company if you are involved in an accident with their insured
  • with our reinsurers
  • with insurance-support organizations that detect and prevent fraud
  • with medical professionals or institutions in order to verify coverage or conduct operations or services audits
  • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
  • if ordered by a subpoena, search warrant or other court order

Confidentiality and Security

We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

Changes to This Privacy Policy

We may modify our privacy policy from time to time. The most recent version is always posted at

What to Do if You Have Privacy or Security Concerns

If you have a concern about privacy or security at, we want to hear about it by mail or email.

Please write to us at:

CTCB, Inc.
6535 4th street north
Saint Petersburg, fl 33702

or email us at