Effective date: November 5, 2026
SmaldiNet Insurance (“SmaldiNet,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit smaldinet.com (the “Site”), communicate with us, or interact with our insurance services. It also describes your choices and rights regarding your data.
This Policy applies to information collected through the Site, email, phone, and in-person interactions where SmaldiNet acts as controller or service provider. Separate carrier privacy notices may apply once a policy is issued; those notices govern claim and underwriting data held by the insurer.
We may collect identifiers (name, email, phone), demographic details, insurance application data, property and vehicle descriptions, business operations information, prior loss history, payment preferences, and communications you send to us. If you subscribe to newsletters, we store your email and topic preferences until you unsubscribe.
When you browse the Site, we may log IP address, browser type, device identifiers, pages viewed, referring URLs, and timestamps. We use cookies and similar technologies to remember preferences, measure performance, and protect against fraud. You can adjust cookie settings in your browser; disabling cookies may limit certain features.
With your authorization, we may obtain motor vehicle records, claims history reports, credit-based insurance scores where permitted, property data, medical information necessary for health or life underwriting, and verification data from consumer reporting agencies.
We use personal information to:
Where required, we rely on consent (e.g., marketing emails), contract performance (providing requested insurance services), legitimate interests (security, product improvement), and legal obligations (recordkeeping, regulatory reporting).
We may share information with:
We do not sell personal information for monetary consideration. We may share limited data for targeted advertising as permitted by law; you may opt out where applicable.
Insurance processes may involve sensitive categories such as health conditions or driver history. We collect only what is necessary for underwriting or claims, restrict access on a need-to-know basis, and require carriers and vendors to apply appropriate safeguards.
We retain information as long as needed to provide services, meet legal and regulatory record requirements (which may extend beyond policy expiration), resolve disputes, and enforce agreements. Marketing contact data is deleted or suppressed promptly after an unsubscribe request, except for a minimal suppression record to honor your choice.
We implement administrative, technical, and physical controls including encryption in transit, role-based access, employee training, and vendor due diligence. No method of transmission or storage is completely secure; please use strong passwords and notify us if you suspect unauthorized access.
Depending on your location, you may have rights to access, correct, delete, or restrict processing of your personal information, to data portability, and to object to certain processing. You may withdraw marketing consent via the Unsubscribe page or email request. We will verify requests before responding and may decline requests permitted by law, such as those affecting insurer legal obligations.
The Site is not directed to children under sixteen. We do not knowingly collect personal information from children. If you believe we have collected such information, contact us to request deletion.
If you access the Site from outside your home jurisdiction, your information may be processed in countries with different data protection laws. We apply safeguards consistent with applicable requirements when transferring data.
Links to carrier portals or social networks are governed by their privacy policies. Review those policies before providing information.
We may update this Privacy Policy to reflect operational, legal, or regulatory changes. The effective date at the top will change when updates are posted. Material changes may be communicated by email or Site notice where required.
For privacy questions, access requests, or complaints, email contact@smaldinet.com. We will respond within timeframes required by applicable law.
Residents of certain states may have supplemental rights regarding disclosure of categories of data collected, sources, business purposes, and third parties with whom data is shared. Upon request, we will provide a structured summary. You will not be discriminated against for exercising privacy rights. Authorized agents may submit requests with proof of authority.
Where credit-based insurance scores influence rating, you may request adverse action notices and dispute inaccurate reporting with the consumer reporting agency identified in the notice. For health-related information processed in connection with employee benefit plans, plan documents and HIPAA notices may provide additional protections.
We maintain incident response procedures to assess and notify affected individuals and regulators of data breaches as required. If you receive a suspicious communication claiming to be from SmaldiNet, do not share policy numbers or payment details until you verify the sender through official channels listed on this Site.
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