Privacy Policy

Union Specialty Inc, a Delaware corporation doing business in California as Union Specialty Insurance Solutions (“Union Specialty,” “we,” “us,” or “our”), is a wholesale insurance brokerage. This Privacy Policy explains how we collect, use, and disclose personal information in connection with our public website at unionspecialty.com (the “Site”). By using the Site, you agree to the practices described here. If you do not agree, please do not use the Site.

This Privacy Policy applies only to our public Site. It does not govern personal information we collect from licensed retail insurance agents through our producer agreements, from carriers and managing general agents through our market agreements, or through our submission portal once you are authenticated. Those relationships are governed by separate written agreements and confidentiality obligations.

1. Information We Collect

Information you provide to us

We collect personal information that you choose to give us through the Site, for example when you fill out a contact, demo request, or appointment form, subscribe to communications, or correspond with us by email. This may include:

• Identifiers such as your name, business email address, business phone number, mailing address, and job title.
• Professional information such as your employer, your role, your National Producer Number (NPN), your state license status, and the lines of business you write.
• Communications such as the content of messages, attachments, or other materials you submit through forms or send to us.

Information we collect automatically

When you visit the Site we and our service providers may automatically collect certain information about your device and your interaction with the Site, including:

• Device and connection data such as IP address, browser type, operating system, device identifiers, and referring URL.
• Usage data such as pages viewed, time spent on pages, links clicked, and approximate location derived from IP address.
• Cookies and similar technologies described in Section 5. The Site currently uses only strictly necessary cookies.

Information we receive from third parties

We may receive information about you from third parties, including:

• Public sources such as state insurance department licensing records and the National Insurance Producer Registry.
• Commercial data providers and professional networking platforms.
• Retail agencies, carriers, managing general agents, and other business partners who refer prospects or otherwise share business information with us.

2. How We Use Personal Information

We use personal information collected through the Site to operate our business, including to:

• Respond to your inquiries and provide information you request, such as demos, appointment paperwork, and product overviews.
• Send you newsletters, market updates, and marketing communications about our services. You can opt out of marketing emails at any time by following the unsubscribe instructions in the email.
• Operate, secure, and improve the Site, analyze usage trends, and develop new features.
• Comply with legal and regulatory obligations, respond to lawful requests from governmental authorities, defend our legal rights, prevent fraud, and enforce our agreements.
• Conduct due diligence, evaluate potential business relationships with retail agencies and other partners, and perform research and analytics.
• Carry out any other purpose described to you at the time we collect the information, or with your consent.

3. How We Share Personal Information

We do not sell personal information for money. We may share personal information in the following circumstances:

• Service providers. Third parties that perform services on our behalf, including providers of website hosting and infrastructure, form intake and electronic signature, payment processing, customer relationship management, email and marketing, security, and information technology. These providers are contractually restricted from using personal information for any purpose other than providing services to us.
• Affiliates. Our current and future parents, subsidiaries, and affiliates, for purposes consistent with this Privacy Policy.
• Carriers, MGAs, reinsurers, and intermediaries. When you submit information that relates to an insurance placement or potential placement, we may share that information with insurance carriers, managing general agents, managing general underwriters, reinsurers, premium finance companies, and other intermediaries as needed to evaluate, quote, bind, or service insurance.
• Professional advisors. Lawyers, accountants, auditors, and consultants under appropriate confidentiality obligations.
• Legal and regulatory. Law enforcement, courts, regulators, and other governmental authorities where required by law or where we believe disclosure is necessary to comply with legal process, protect our or others’ rights, or prevent fraud or harm.
• Business transactions. An actual or prospective acquirer, investor, lender, or successor in connection with a financing, merger, acquisition, reorganization, or sale of all or part of our business or assets.
• With your direction or consent. Any other third party where you direct us to share the information or where you have otherwise consented.

Our third-party service providers process personal information under their own privacy notices in addition to ours. Information you submit through forms or e-signature flows on the Site is processed by those providers to deliver the relevant functionality.

4. Gramm–Leach–Bliley Act Notice

As a licensed insurance broker, Union Specialty is a financial institution subject to the federal Gramm–Leach–Bliley Act (“GLBA”) and analogous state insurance privacy laws. Nonpublic personal information we collect from or on behalf of insurance customers in the course of placing or servicing insurance is handled in accordance with those laws. We do not disclose nonpublic personal information about our customers or former customers to nonaffiliated third parties except as permitted or required by law, including to place coverage, service policies, handle claims, prevent fraud, comply with legal process, or as otherwise authorized.

5. Cookies and Your Choices

Cookies are small text files stored on your device. The Site currently uses only strictly necessary cookies that are required for the Site to function, including session management, security, accessibility, and form submission. These cookies cannot be disabled because the Site will not work properly without them.

We do not load analytics cookies, advertising cookies, or other non-essential cookies. We do not use cookies for cross-context behavioral advertising and do not knowingly allow third parties to collect personal information about your online activities over time and across third-party websites for advertising purposes through the Site.

If we add analytics or other non-essential cookies in the future, we will update this section before doing so and, where required by applicable law, we will provide a means to consent to or decline those cookies.

Most browsers let you refuse or delete cookies through their settings; doing so may affect Site functionality. Where required by applicable law, we honor opt-out preference signals such as Global Privacy Control (GPC). Our Site does not respond to legacy “Do Not Track” browser signals because there is no industry consensus on how to interpret them.

6. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide and improve the Site, to comply with our legal, regulatory, tax, accounting, insurance, and record-retention obligations, to resolve disputes, and to enforce our agreements. Retention periods are based on the nature of the information, the purposes for which it was collected, and applicable legal requirements.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, and disclosure. Our information security program is designed to comply with applicable laws and regulations, including 23 NYCRR Part 500. No method of transmitting or storing information over the internet is completely secure, however, and we cannot guarantee the absolute security of personal information.

8. Children’s Privacy

The Site is intended for business users and is not directed to children. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us using the information in Section 13 and we will take steps to delete it.

9. Third-Party Links

The Site may contain links to third-party websites and services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy notices of any third-party sites you visit.

10. Notice to California Residents

This section supplements the rest of this Privacy Policy and applies to California residents whose personal information we collect through the Site in their capacity as business contacts or website visitors. It is intended to comply with the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”).

Information that is collected, processed, or maintained as part of our insurance brokerage activities and that is subject to the Gramm–Leach–Bliley Act or the California Financial Information Privacy Act is exempt from the CCPA. The disclosures and rights described in this section apply only to personal information that is not so exempt.

Categories of personal information collected

In the preceding 12 months, we have collected the following categories of personal information from California residents through the Site, from the sources described in Section 1, and for the business purposes described in Section 2:

• Identifiers (name, email, phone number, IP address, online identifiers).
• Commercial information (your inquiries about our services and related business interactions).
• Internet or other electronic network activity information (browsing and usage data, cookie data).
• Geolocation data (approximate location derived from IP address).
• Professional or employment-related information (employer, role, license status).
• Inferences drawn from the above to characterize preferences and likely interest in our services.

We may disclose each of these categories to the recipients listed in Section 3 for the business purposes described in Section 2.

Sale and sharing of personal information

We do not sell personal information in exchange for money. We do not share personal information for cross-context behavioral advertising as those terms are defined under the CCPA. We honor opt-out preference signals such as Global Privacy Control. We do not knowingly sell or share the personal information of consumers under 16 years of age.

Sensitive personal information

We do not use or disclose sensitive personal information for purposes other than those permitted under CCPA Section 1798.121.

Your California rights

Subject to certain exceptions, California residents have the following rights with respect to non-exempt personal information:

• Right to know and access. Request information about the categories and specific pieces of personal information we have collected, the categories of sources, the business or commercial purpose, and the categories of third parties to whom we have disclosed it.
• Right to correct. Request that we correct inaccurate personal information we maintain about you.
• Right to delete. Request that we delete personal information we have collected from you.
• Right to opt out of sale or sharing. Direct us not to sell or share your personal information for cross-context behavioral advertising.
• Right to limit use of sensitive personal information. Where applicable.
• Right to non-discrimination. We will not discriminate against you for exercising any of these rights.

To exercise these rights, email contact@unionspecialty.com or use the request form linked from our Site footer. We will verify your identity using information reasonably necessary in light of the nature of your request. You may use an authorized agent to submit a request on your behalf, in which case we may require written authorization and verification of the agent’s authority.

California Insurance Information and Privacy Protection Act

California residents who are or have been insurance applicants, policyholders, claimants, or beneficiaries serviced through Union Specialty have additional rights under the California Insurance Information and Privacy Protection Act (Cal. Ins. Code §§ 791 et seq.), including the right to access and request correction of personal information collected in connection with an insurance transaction. To exercise these rights, contact us at contact@unionspecialty.com.

“Shine the Light”

California Civil Code § 1798.83 permits California residents to request information about the disclosure of their personal information by certain businesses to third parties for those third parties’ direct marketing purposes. We do not currently share personal information with third parties for their own direct marketing purposes.

11. Notice to Other U.S. State Residents

Residents of certain other U.S. states—including Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia—may have rights to access, correct, delete, and obtain a portable copy of their personal information, and to opt out of targeted advertising or the sale of personal information, subject to applicable state law and exceptions (including the GLBA exemption described above). To exercise applicable rights, email contact@unionspecialty.com. We will respond as required by the law of your state of residence.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of the policy. Material changes will be communicated through the Site or by other appropriate means. Your continued use of the Site after the updated Privacy Policy takes effect constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, or if you would like to exercise any of the rights described above, please contact us:

Union Specialty Inc
(doing business in California as Union Specialty Insurance Solutions)
Attn: Privacy
460 Prospect Avenue, Brooklyn, NY 11215
Email: contact@unionspecialty.com