Effective date: January 1, 2026
HostWerk24 ("we," "us," or "our") respects your privacy and is committed to protecting personal information collected through hostwerk24.com (the "Site") and related communications. This Privacy Policy explains what we collect, how we use it, with whom we share it, and the choices available to you.
1. Scope
This Policy applies to visitors, prospective clients, policyholders, newsletter subscribers, and individuals who interact with our forms, emails, and educational content. It does not apply to third-party websites, carrier portals, or social networks that may link to or from the Site.
2. Information We Collect
2.1 Information You Provide
We may collect identifiers and contact data (such as name and email address), insurance-related details you choose to share (coverage types, vehicle or property descriptions, business activities), communications you send through contact or quote forms, marketing preferences, and consent records.
2.2 Automatically Collected Information
When you use the Site, we may collect device and usage information including IP address, browser type, operating system, referring URLs, pages viewed, and timestamps. We may use cookies, local storage, and similar technologies to remember preferences and analyze traffic patterns.
2.3 Information from Third Parties
With your authorization or as permitted by law, we may receive information from insurance carriers, consumer reporting agencies, identity verification vendors, analytics providers, and marketing partners to verify eligibility, prevent fraud, and improve service quality.
3. How We Use Information
We use personal information to:
- Respond to inquiries, quote requests, and support tickets;
- Facilitate applications and servicing with licensed carriers and brokers;
- Send newsletters, educational content, and promotional messages where permitted;
- Personalize Site content and measure campaign performance;
- Maintain security, detect fraud, and enforce our Terms & Services;
- Comply with legal obligations, regulatory inquiries, and audit requirements;
- Improve products, training, and client experience through aggregated analytics.
4. Legal Bases for Processing
Depending on your location, we rely on one or more of the following bases: your consent; performance of a contract or steps prior to entering a contract; legitimate interests such as fraud prevention and service improvement, balanced against your rights; and compliance with legal obligations.
5. Sharing of Information
We may share personal information with:
- Insurance carriers and brokers for underwriting, binding, billing, and claims;
- Service providers who assist with hosting, email delivery, analytics, customer relationship management, and document storage under contractual confidentiality obligations;
- Professional advisors such as auditors and legal counsel when necessary;
- Authorities when required by law, subpoena, or to protect rights, safety, and property;
- Business transfers in connection with a merger, acquisition, or asset sale, subject to continued protection consistent with this Policy.
We do not sell personal information for monetary consideration in the ordinary course of our advisory business. Where applicable law defines "sale" or "sharing" broadly, you may have opt-out rights as described below.
6. Cookies and Tracking
Cookies help the Site function and help us understand how visitors navigate pages. You can adjust browser settings to refuse cookies or alert you when cookies are sent. Some features may not operate properly if cookies are disabled.
We may use analytics tools that aggregate usage data. These tools may set their own cookies governed by their respective policies.
7. Marketing Communications
If you subscribe to emails, we will send content related to insurance education, product updates, and HostWerk24 news. You may unsubscribe at any time using the link in our emails or by visiting the Unsubscribe Email page. Unsubscribing from marketing does not affect transactional or legally required notices related to active policies.
8. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, including satisfying legal, accounting, and reporting requirements. Retention periods vary based on document type, regulatory mandates, and whether you maintain an ongoing relationship with us.
9. Security
We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. Measures may include encryption in transit, access controls, employee training, and vendor due diligence. No method of transmission or storage is completely secure; we cannot guarantee absolute security.
10. Children's Privacy
The Site is not directed to children under the age of 16, and we do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us so we can take appropriate steps to delete it.
11. International Transfers
If you access the Site from outside the country where our servers or service providers are located, your information may be transferred across borders. We take steps designed to ensure an adequate level of protection consistent with applicable law.
12. Your Rights and Choices
Depending on applicable privacy laws, you may have the right to access, correct, delete, or restrict processing of your personal information; to object to certain processing; to data portability; and to withdraw consent where processing is consent-based. You may also have the right to lodge a complaint with a supervisory authority.
To exercise rights, submit a request through the Contact Us form or email privacy@hostwerk24.com. We may verify your identity before fulfilling requests.
13. California and Similar Privacy Rights
Residents of certain regions may request details about categories of personal information collected, sources, purposes, and disclosures. We will not discriminate against you for exercising privacy rights. Authorized agents may submit requests with proof of authority as required by law.
14. Sensitive Information
Insurance processes may involve sensitive categories of data such as health information or driver history when you voluntarily provide it for underwriting. We limit collection to what is necessary, share it only with parties involved in the insurance transaction, and apply heightened safeguards where appropriate.
15. Changes to This Policy
We may update this Privacy Policy to reflect operational, legal, or regulatory changes. The effective date at the top indicates the latest version. Material updates may be communicated via the Site or email where appropriate.
16. Contact Us
For privacy questions or concerns, contact privacy@hostwerk24.com or use our Contact Us page.