Privacy Policy

Privacy Policy, Cookie Policy & Data Processing Addendum Handcrafted Insurance Solutions LLC Effective Date: January 1, 2026 Address: 267 W Mill St #200, New Braunfels, TX 78130 Contact Phone: 830-239-2881 Contact Email: mark@handcraftedinsurance.com

This document constitutes the complete and integrated Privacy Policy, Cookie Policy, and Data Processing Addendum (DPA) of Handcrafted Insurance Solutions LLC, a regulated insurance agency, and is binding on all users, clients, data subjects, processors, and partners. It is structured into 50 legally robust sections, each containing five or more detailed subparts. It includes one-to-one consent terms establishing clear and verifiable agreement for the processing of personal data as governed by this document.

Introduction & Scope 1.1. Applicability: Applies to all visitors, clients, users, policyholders, vendors, and processors engaging with Handcrafted Insurance Solutions LLC services or www.handcraftedinsurance.com (or any associated domains). 1.2. Legal Enforceability: This policy is enforceable under state, federal, and international law. 1.3. Consent: Use of our site or services implies acceptance of this document. 1.4. Integration: Combines all privacy-related declarations into one legal agreement. 1.5. Commitment: Reflects Handcrafted Insurance Solutions LLC's commitment to transparency, accountability, and regulatory compliance.
Definitions & Terminology 2.1. "Personal Data": Any information relating to an identified or identifiable individual. 2.2. "Processing": Any operation performed on personal data, whether automated or not. 2.3. "Data Subject": A natural person whose data is collected or processed. 2.4. "Controller": The entity that determines the purpose and means of processing data. 2.5. "Processor": The entity processing data on behalf of the controller.
Legal Basis for Processing 3.1. Contractual Necessity: To issue, renew, or service insurance policies. 3.2. Legal Obligation: Compliance with laws, subpoenas, and audits. 3.3. Legitimate Interest: Fraud prevention, customer service, internal analytics. 3.4. Consent: Explicit user consent for marketing and cookies. 3.5. Vital Interests: Emergency disclosures to protect life or safety.
Categories of Personal Data Collected 4.1. Identity Information: Name, DOB, SSN, DL number. 4.2. Contact Details: Email, address, phone number. 4.3. Policy Information: Insurance product type, limits, terms. 4.4. Claims Data: Incident reports, adjuster notes, third-party info. 4.5. Financial Data: Bank account, credit card (via processors), payment history.
Methods of Data Collection 5.1. Web Forms: Quote requests, contact forms, appointment booking. 5.2. Phone Calls: Calls may be recorded for quality and verification. 5.3. Email Communication: Through secure transactional mail services. 5.4. CRM Systems: Integration CRM and internal tools. 5.5. Cookies and Trackers: Behavioral and session data from site visits.
Use of Collected Data 6.1. Quoting and Underwriting: Determining policy eligibility and pricing. 6.2. Claims Management: Assessing, processing, and settling claims. 6.3. Marketing and Outreach: Email campaigns, newsletters (opt-in only). 6.4. Customer Support: Responding to inquiries and technical support. 6.5. Legal Compliance: Retaining data for regulatory examinations.
Data Sharing and Disclosure 7.1. With Carriers: To bind coverage and fulfill underwriting requirements. 7.2. With Regulators: Compliance with Texas Department of Insurance (TDI), FINRA, and other authorities. 7.3. With Vendors: Sub-processors under contract for technical services. 7.4. With Legal Entities: Attorneys, accountants, and courts as needed. 7.5. With Consent: Disclosures authorized by the data subject.
Sub-Processors and Third Parties 8.1. Vertafore: Used for relationship management. 8.2. AWS & Microsoft: Secure cloud storage and infrastructure. 8.3. LiO: Email communications. 8.4. Cloudflare: DDoS protection and CDN. 8.5. Allbound Subcontractors: Bound by equivalent contractual terms.
Cookies & Tracking Technologies 9.1. Essential Cookies: For login, forms, and security. 9.2. Performance Cookies: Used for analytics and usage statistics. 9.3. Targeting Cookies: Used for advertising (with opt-in). 9.4. Cookie Banner: Displayed at first visit and whenever updated. 9.5. User Preferences: Cookie settings available at all times.
Behavioral Advertising & Profiling 10.1. Marketing Pixels: Facebook, Google, and Bing tracking. 10.2. Segmentation: Grouping users by behavior for marketing. 10.3. Consent Requirement: No tracking without affirmative opt-in. 10.4. Opt-Out Options: Via browser settings and tracking-preference links. 10.5. No Sale of Data: Handcrafted Insurance Solutions LLC does not sell user data to third parties.

Governing Law & Jurisdiction 20.1. Applicable Law: Laws of the State of Texas. 20.2. Forum: Courts in Comal County, Texas. 20.3. Arbitration: Optional upon mutual consent. 20.4. Severability: Invalid terms do not affect remaining terms. 20.5. Waivers: No waiver of rights without written consent.
Regulatory Disclosures 21.1. GLBA Compliance: Financial information protected accordingly. 21.2. HIPAA Applicability: If health insurance data is involved. 21.3. Texas Insurance Code Compliance: Fully compliant with applicable privacy and cybersecurity requirements. 21.4. CPRA/CCPA Rights: California consumer rights honored. 21.5. State Insurance Rules: All data uses reviewed by legal counsel.

Claims Data Handling 42.1. Repository: Claims data not stored separately from marketing or CRM. 42.2. Special Handling: Claims involving minors or injuries handled by carriers. 42.3. Third Party Adjusters: Subject to independent privacy policies. 42.4. Restricted Reuse: Claims data used for sales, not ads. 42.5. Extended Retention: Stored for periods required under Texas Insurance Code and TDI rules, and carrier contractual requirements.

Text Opt In 51.1. All text message opt-ins are never shared with any third party.

For any inquiries regarding this policy, reach out to us at mark@handcraftedinsurance.com or 830-239-2881.