Privacy Policy and Terms of Use

Privacy Policy

Last Updated: September 28, 2025

Till Insurance Agency, Inc. (“Till Insurance,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy and Terms of Use explains how we collect, use, disclose, and safeguard information in connection with our insurance services and your use of our website. It also describes your rights under federal and state privacy laws.

By accessing our website or using our services, you consent to the terms of this Policy.

Information We Collect

We may collect the following categories of information:

Personal Information Provided by You

Contact details such as name, address, email address, and phone number.
Identification information such as date of birth, Social Security Number, driver’s license, or tax ID.
Payment details such as bank account information or credit/debit card numbers.
Insurance-related data such as applications, policy numbers, coverage details, and claims history.
Agricultural information such as farm and ranch locations, acreage, crop yields, production history, and other data required for USDA Risk Management Agency (RMA) programs.

Automatically Collected Information

Device and browser details such as IP address, browser type, operating system, and device identifiers.
Website usage data including pages visited, links clicked, time spent on site, and referring websites.
Cookies, beacons, and similar technologies to improve functionality, remember preferences, and analyze traffic.

Information from Third Parties

Insurance carriers, reinsurers, adjusters, service providers, USDA agencies, and other authorized partners may provide information to us as part of servicing your policy or administering federal crop insurance.
We do not intentionally collect sensitive data such as health or biometric information except where required for claims or legal compliance.

How We Use Information

We use personal and technical information to:

Underwrite, quote, and issue insurance policies.
Service policies, process billing, and manage renewals.
Investigate, administer, and pay claims.
Comply with USDA RMA, FCIC, and other legal or regulatory obligations.
Prevent, detect, and respond to fraud or security incidents.
Communicate with you about your account, services, or educational opportunities.
Improve website functionality, services, and user experience.
Conduct analytics, research, and business operations.
Provide marketing communications where permitted (with the ability to opt out).

We will not use personal information for materially different purposes without providing notice or obtaining consent where required by law.

Sharing of Information

We share information only as permitted or required by law:

Federal Agencies: With USDA RMA and the Federal Crop Insurance Corporation (FCIC) to administer crop insurance programs.
Insurance Partners: With carriers, reinsurers, and claims adjusters involved in underwriting or servicing your policy.
Vendors and Service Providers: With technology providers, mailing vendors, auditors, and analytics services under strict confidentiality obligations.
Legal and Regulatory Authorities: As required by state insurance departments, regulators, courts, or law enforcement.
Business Transfers: In the event of a merger, acquisition, or sale of assets, information may be transferred subject to ongoing confidentiality protections.
With Your Consent: At your request, we may share information with advisors, family members, lienholders, or other authorized parties.

We do not sell personal information to third parties for their own marketing.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, or misuse. These include:

Encryption of sensitive data in transit and at rest.
Role-based access controls and authentication measures such as multi-factor login.
Secure workstations, networks, and servers monitored for threats.
Contracts requiring vendors and partners to protect confidentiality.
Secure disposal of records when no longer required.

No system is completely secure, but we follow industry standards and update our practices to remain compliant with USDA, GLBA, and state insurance requirements.

Data Retention

We retain information only as long as necessary for business, legal, and regulatory purposes. USDA and state insurance regulations may require retention of policy and claim data for several years. When information is no longer needed, it is securely destroyed.

Your Rights

Depending on your state of residence, you may have rights under federal and state privacy laws, including:

Access and Correction: You may request access to or correction of your information.
Deletion: You may request deletion of information, subject to legal and regulatory retention obligations.
Opt-Out of Sharing: Under GLBA, you may opt out of certain sharing of nonpublic personal information with non-affiliates for marketing.
CCPA/State Consumer Rights: Residents of California and certain other states may have rights to know what information is collected, request copies, request deletion, opt out of sale or sharing, and not be discriminated against for exercising these rights.
Marketing Opt-Out: You may opt out of receiving promotional emails by following unsubscribe instructions or contacting us.

We will verify your identity before processing privacy requests. To exercise your rights, contact us using the information below.

Cookies and Tracking

We use cookies and similar technologies to enable core site functionality, remember preferences, and understand visitor behavior. You can disable cookies in your browser, though some features may not function correctly.

Website Terms of Use

By using this website, you agree to the following:

Permitted Use: The website may be used for lawful purposes to learn about Till Insurance services.
Prohibited Use: You may not attempt unauthorized access, introduce malicious code, interfere with site operations, or infringe intellectual property rights.
Intellectual Property: All site content including text, logos, graphics, and software is the property of Till Insurance or its licensors. You may not reproduce or distribute it without permission.
Disclaimer: The website is provided “as is” without warranties of any kind. We do not guarantee that the site will be error-free or uninterrupted.
Limitation of Liability: To the fullest extent permitted by law, Till Insurance is not liable for damages arising from use of the website or reliance on its content.
Third-Party Links: Our site may link to external websites. We are not responsible for their content or privacy practices.
Governing Law: This Policy and your use of the site are governed by the laws of the State of [Insert State].

Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect information from children without parental consent.

Changes to This Policy

We may update this Policy periodically to reflect changes in law or business practices. Updates will be posted on this page with a new effective date.

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at info@tillinsurance.com