PRIVACY POLICY

All-N-One Insurance, LLC

1. Introduction

All-N-One Insurance, LLC (“we,” “us,” or “our”) is an independent insurance agency offering personal lines, commercial insurance, and surety bond products. We are committed to protecting the privacy and confidentiality of information collected in connection with providing insurance services. This Privacy Policy describes how we collect, use, disclose, and safeguard information in accordance with federal law and the laws of the State of Tennessee.

2. Information We Collect

We may collect personal and business information including name, address, email, telephone number, date of birth, driver’s license number (for underwriting), vehicle and property information, claims history, business information, EIN where required, underwriting financial information, and website usage data such as IP address and browser type. We do not collect Social Security numbers through online forms.

3. Nonpublic Personal Information (GLBA Notice)

As a licensed insurance agency, we collect Nonpublic Personal Information (NPI) in connection with providing insurance products. We collect information from applications, communications, consumer reporting agencies (where permitted), and insurance carriers. We do not sell Nonpublic Personal Information. We may disclose information to insurance carriers, claims administrators, premium finance companies, regulatory authorities, and as otherwise permitted by law, in compliance with the Gramm-Leach-Bliley Act.

4. Independent Agency Disclosure

All-N-One Insurance, LLC is an independent agency representing multiple insurance carriers. When information is submitted to a carrier for underwriting or policy issuance, the carrier’s privacy policy governs its handling of your information. We are not responsible for the privacy practices of third-party carriers.

5. Automated Communications & SMS Consent

We may use automated systems to send appointment reminders, renewal notices, billing reminders, and service communications. By providing your email and or phone number, you consent to receive service-related messages. Message and data rates may apply. Message frequency may vary. You may opt out by replying STOP. Consent is not required as a condition of purchasing insurance products.

6. Cookies and Advertising

Our website may use cookies and tracking technologies to improve functionality, analyze traffic, and support advertising efforts. You may control cookie settings through your browser.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information, including restricted access, secure portals, encryption where appropriate, and vendor confidentiality agreements.

8. Data Retention

We retain information only as long as necessary to provide services and comply with Tennessee insurance regulations and other legal requirements.

9. Tennessee Consumer Rights

Tennessee residents may request access to personal information we maintain and request correction of inaccurate information. Consumers may file complaints with the Tennessee Department of Commerce and Insurance.

10. Data Breach Notification

In the event of a data breach involving sensitive personal information, we will provide notice in accordance with applicable Tennessee law.

11. Children’s Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect information from minors.

12. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised effective date.

13. Contact Information

All-N-One Insurance, LLC

Address: 238 Poplar Ave, Ste 2, Memphis, TN 38103

Phone: 901-306-8100

Email: info@allnoneinsurance.com