Saugatuck Insurance Services, Inc. ("Saugatuck," "we," "us," or "our") respects the privacy of individuals who interact with us. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with our website and business activities.
Our website is primarily informational. We do not use website contact forms, newsletter sign-ups, online job applications, advertising pixels, session-recording tools, or behavioral analytics.
Our website hosting and security providers may automatically process limited technical information necessary to operate and secure the site, such as IP address, browser and device information, access times, and server logs.
In the ordinary course of business, Saugatuck may also receive limited personal information from brokers, agents, carriers, service providers, and other business contacts. This information generally consists of names, business email addresses, telephone numbers, job titles, and company affiliations.
Insurance applications, submissions, and related underwriting information are not collected through this public website. They are handled through approved business channels, including Saugatuck's underwriting platform and business email.
Employee personal information is handled through approved employment, payroll, and benefits systems and is not collected through the public website.
We use personal information only for legitimate business, contractual, legal, regulatory, security, or operational purposes, including to:
We do not use personal information collected through the website for behavioral advertising, consumer profiling, or automated decision-making about individuals.
Saugatuck does not use analytics cookies, advertising cookies, tracking pixels, session-recording technologies, or similar tools for marketing or behavioral tracking.
Our hosting, security, or infrastructure providers may use strictly necessary technologies required to operate, protect, or deliver the website. These may include security, load-balancing, network-management, or similar technical functions.
If we materially change our use of cookies or tracking technologies, we will update this Privacy Policy and implement additional notice or consent mechanisms where required by applicable law.
We may disclose personal information to parties that reasonably need access for legitimate business or legal purposes, including:
Access and disclosure are limited to what is reasonably necessary for the applicable purpose.
Saugatuck does not sell personal information and does not share personal information for cross-context behavioral advertising.
Saugatuck maintains administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, use, alteration, disclosure, or loss.
These safeguards include measures such as access controls, multifactor authentication, centrally managed devices, encryption, security monitoring, incident-response procedures, and risk-based third-party oversight.
No security measure can eliminate all risk, but Saugatuck takes reasonable steps appropriate to the nature of the information and its business operations.
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected and to satisfy applicable business, legal, regulatory, contractual, insurance, recordkeeping, or dispute-resolution requirements.
When personal information is no longer required, Saugatuck will take reasonable steps to delete, dispose of, or otherwise appropriately manage the information, subject to any applicable preservation obligations.
Saugatuck is based in the United States, and its operations are primarily U.S.-focused. Personal information processed by Saugatuck is generally stored and processed in the United States through approved service providers.
Saugatuck does not intend to collect or process personal information relating to individuals in the European Union, European Economic Area, or United Kingdom as part of its ordinary business activities.
If personal information subject to international data-transfer requirements is processed in the future, Saugatuck will use appropriate safeguards where required by applicable law.
Depending on your location and the laws applicable to Saugatuck's processing, you may have certain rights regarding your personal information.
These rights may include the right to request:
California residents may also have rights under applicable California privacy law, including rights relating to access, correction, deletion, and certain disclosures or uses of personal information.
Saugatuck does not discriminate against individuals for exercising privacy rights available to them under applicable law.
Not all privacy laws or rights apply to every individual or processing activity. Where the GDPR, UK GDPR, CCPA/CPRA, or another privacy law does not apply to Saugatuck or to a particular activity, rights created by that law may not apply.
Privacy requests may be submitted using the contact information below. We may take reasonable steps to verify a request before responding.
Saugatuck's website and services are directed to businesses and insurance professionals and are not intended for children.
We do not knowingly collect personal information from children through the website.
Our website may contain links to third-party websites or services. Saugatuck is not responsible for the privacy, security, or content practices of third parties, and their privacy policies govern their handling of information.
We may update this Privacy Policy from time to time to reflect changes in our business practices, systems, legal requirements, or privacy obligations.
When we make material changes, we will update the effective date shown at the top of this policy.
Questions, concerns, or privacy requests may be directed to:
