Legal

Privacy Policy

Effective date: May 10, 2026  ·  Last updated: May 10, 2026

1. Scope

This Privacy Policy explains how [BUSINESS_LEGAL_ENTITY] ("Ask-Tiffany," "we," "us," or "our") collects, uses, discloses, and protects information about you when you visit ask-tiffany.com (the "Site"), interact with our online quote form, or otherwise communicate with us in connection with auto insurance quoting and placement services (collectively, the "Services"). It applies to information we collect online and offline in connection with the Services.

By using the Services, you acknowledge the practices described in this Policy. If you do not agree, please do not use the Services.

2. Who we are

Ask-Tiffany is a licensed independent insurance agency. Our agent of record is [TIFFANY_LEGAL_FULL_NAME], holding:

• Texas resident producer license number [TX_LICENSE_NUMBER] (regulated by the Texas Department of Insurance).
• NAIC National Producer Number [NPN].

We are an independent agency. We are not an insurance carrier and we do not issue insurance policies. Carriers we represent are responsible for underwriting, issuing, and servicing the policies they sell.

3. Information we collect

We collect only the information necessary to prepare an auto insurance quote, submit your application to carriers, and provide ongoing service. When you complete our quote form, you may provide:

Personal identifiers

• Full legal name (and, for bilingual clients, Chinese name if provided).
• Date of birth, sex, marital status, and occupation.
• Mailing and residence address.
• Email address and telephone number.

Government identifiers

• Driver license number (and, where applicable, license numbers of co-insureds).

Household and vehicle information

• Number of household residents (drivers, excluded drivers, children, roommates).
• Vehicle identification numbers (VINs) and year/make/model for each vehicle.
• Primary use of each vehicle (commute, business/rideshare, pleasure).
• Names, dates of birth, occupations, marital statuses, and driver license numbers of co-insureds you list.

Insurance history and selections

• Prior carrier, prior policy expiration date, prior policy term, and new policy effective date.
• Coverage selections (bodily injury, property damage, uninsured motorist, comprehensive, collision, towing, medical payments, rental reimbursement, death indemnity).
• Optional upload of a prior policy declarations page (PDF, JPG, or PNG; processed only to confirm coverage and discounts).
• Any special requests or notes you provide.

Authorizations and signature

• Your authorization (yes/no) for us to obtain credit and underwriting reports.
• Your typed legal name as an electronic signature.
• An image of your drawn signature.
• The date, time, and IP address associated with that signature (for E-Sign Act compliance).

Technical and usage information

• IP address, approximate location derived from IP, browser type and version, operating system, device type, referrer URL, and timestamps of your visits.
• Information automatically logged by our hosting and content-delivery providers.

Sensitive information. We do not request Social Security numbers, financial-account numbers, or health information through the Site. If you choose to send such information to us by email, phone, or other means, we will treat it consistently with this Policy and applicable law, but we ask you not to send it unless we specifically request it for a legitimate insurance purpose.

4. Sources of information

We receive information from the following sources:

• From you — when you complete the quote form, send us a message, call us, or upload a document.
• Consumer reporting agencies — such as LexisNexis Risk Solutions, TransUnion, Equifax, and Experian, which provide credit-based insurance scores and identity verification.
• State motor vehicle records (MVR) — for driving history relevant to underwriting.
• Loss-history databases — such as the Comprehensive Loss Underwriting Exchange (CLUE) and A-PLUS, which contain auto insurance claims history.
• Prior insurance carriers — to verify continuous coverage and prior limits.
• Carriers and managing general agents (MGAs) — that quote your application.

5. How we use your information

We use your information only for legitimate insurance-related purposes, including to:

• Prepare your auto insurance quote and identify carriers and programs likely to fit your needs.
• Submit your application to one or more insurance carriers for underwriting and policy issuance.
• Communicate with you about your quote, application, policy, or service-related matters (by email, phone, or text — see our Terms of Service for communications consent).
• Verify your identity and prevent fraud.
• Comply with federal and state insurance laws, including recordkeeping obligations under Texas (Tex. Ins. Code ch. 38 and ch. 4001).
• Respond to regulator inquiries, subpoenas, or other lawful requests.
• Improve and secure the Site and our internal operations.

We will not use your information for purposes materially different from those described in this Policy without first providing notice and, where required, obtaining your consent.

6. How we share your information

We do not sell your personal information. We share information only as needed to deliver the Services or as required by law, including with:

• Insurance carriers, MGAs, and reinsurers we work with to quote, bind, and service your coverage.
• Consumer reporting agencies to obtain credit, MVR, and loss-history reports (see Section 8 below).
• Service providers and vendors who help us operate the Site and process applications, including Google LLC (Google Apps Script, Google Sheets, and Google Drive, which we use to receive, log, and store form submissions and signed documents) and our website host. These providers are contractually limited to using your information only to perform services for us.
• Professional advisors such as attorneys, accountants, auditors, and compliance consultants, under duties of confidentiality.
• Government and regulatory authorities, including the Texas Department of Insurance, in response to lawful requests, examinations, or complaints.
• Law enforcement, where required by valid legal process or to protect rights, property, or safety.
• Successors in interest, in connection with a merger, acquisition, financing, reorganization, or sale of all or part of our business, under appropriate confidentiality protections.

We do not share your nonpublic personal financial information with non-affiliated third parties for their own marketing purposes.

7. GLBA / financial privacy notice

As a licensed insurance agency, we are a "financial institution" under the federal Gramm-Leach-Bliley Act ("GLBA") and we follow the GLBA Privacy Rule (16 CFR Part 313) and corresponding state insurance regulations.

Categories of nonpublic personal information ("NPI") we collect:

• Information from you on applications and other forms (name, address, DOB, marital status, occupation, driver license, etc.).
• Information about your transactions with us, our affiliates, and others (coverage selections, payment, and policy history).
• Information from consumer reporting agencies (credit-based insurance score, MVR, loss history).

Categories of parties to whom we may disclose NPI:

• Affiliates (none currently; if this changes we will update this Policy).
• Non-affiliated third parties as permitted by law, such as insurance carriers issuing or servicing your policy, service providers, and regulators.

Opt-out. We do not share NPI with non-affiliated third parties for those parties' own marketing purposes, so no opt-out is required for that purpose. To exercise any other opt-out right available under Texas Insurance Code Chapter 601, contact us using Section 18 below.

8. FCRA notice (credit, MVR, and loss-history reports)

By submitting our quote form and confirming the credit authorization, you authorize Ask-Tiffany and the carriers we submit your application to to obtain consumer reports about you for insurance-underwriting and rating purposes (a "permissible purpose" under the federal Fair Credit Reporting Act, 15 U.S.C. §1681b(a)(3)(C)). These reports may include:

• Credit-based insurance scores from a consumer reporting agency.
• Motor vehicle records (MVR) from your state DMV.
• Auto insurance loss-history reports (such as CLUE or A-PLUS).

Adverse action. If a carrier takes adverse action (including charging a higher premium, declining to offer coverage, or non-renewing) based in whole or in part on information from a consumer report, the carrier is required to send you a notice identifying the consumer reporting agency that supplied the report and informing you of your right to obtain a free copy of the report and to dispute information you believe is inaccurate.

You may withdraw your credit-pull authorization at any time by contacting us using Section 18 below; however, doing so may affect our ability to obtain or maintain a quote on your behalf.

9. Cookies and analytics

The Site currently uses only essential technologies needed to load the page (such as our content-delivery network and Tailwind CSS framework, which may log basic request data). We do not use advertising cookies, cross-site tracking pixels, or third-party analytics on the Site at this time. Your browser stores a small localStorage value to remember your selected language (English or Traditional Chinese). You can clear this at any time through your browser's site-data controls.

If we add analytics or advertising technology in the future, we will update this Policy and provide any notices or choices required by law.

10. Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, alteration, disclosure, or destruction. These include:

• Transport Layer Security (TLS / HTTPS) for all data transmitted between your browser and our Site and back-end.
• Access controls limiting who can view your information to the licensed agent and authorized staff who need it.
• Storage of form submissions and uploaded documents within access-restricted Google Workspace tenants.
• Routine review of our information-security practices.

No method of transmission or storage is 100% secure. We cannot guarantee absolute security. In the event of a security incident affecting your personal information, we will notify you and applicable authorities as required by Texas Business and Commerce Code §521.053 and any other applicable law.

11. Data retention

We retain your information for as long as needed to provide the Services and to comply with our legal, regulatory, accounting, and reporting obligations. Insurance recordkeeping rules generally require us to retain agency records — including applications, quotes, signed authorizations, and related correspondence — for at least five (5) years from the policy expiration or termination (and longer where state law or a carrier contract requires). Backups and routine archival copies may be retained for additional limited periods. When the retention period ends, we will securely delete or de-identify the information.

12. Children's privacy

The Services are not directed to children under 18 and are not intended for individuals under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us personal information, please contact us using Section 18 below and we will delete it.

13. Texas resident rights

If you are a Texas resident, Texas Insurance Code Chapter 601 gives you the following rights with respect to personal information that we collect about you in connection with an insurance transaction:

• Notice. The right to receive this notice describing our information practices.
• Access. The right to request and obtain a copy of recorded personal information about you in our files, within a reasonable time after your written request.
• Correction. The right to request correction, amendment, or deletion of recorded personal information you believe is inaccurate, and the right to a written explanation of any refusal to do so.
• Reasons for adverse underwriting decision. The right to receive the specific reason(s) for any adverse underwriting decision and the specific items of information that supported that decision.
• Complaint. The right to file a complaint with the Texas Department of Insurance (see Section 18).

To exercise any of these rights, write to us at the contact address in Section 18 and describe the information at issue and the action you would like us to take. We may need to verify your identity before responding.

14. Do Not Track

Some browsers transmit "Do Not Track" signals. Because there is no consistent industry standard for how to respond to these signals, the Site does not currently respond to them. You can still limit tracking using browser settings and extensions.

15. Third-party links

The Site may link to insurance carrier portals, regulator websites, or other third-party resources. We do not control and are not responsible for the privacy practices of those third parties. Please review the privacy notices on any site you visit.

16. International visitors

The Site is operated from and intended for users in the United States, specifically Texas. If you access the Site from outside the United States, you do so at your own initiative and are responsible for compliance with local law. Your information will be processed in the United States, which may have data-protection laws different from those of your country.

17. Changes to this policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Effective date" at the top of this page and, where appropriate, provide additional notice (such as a banner on the Site or an email). Your continued use of the Services after a change takes effect constitutes acceptance of the updated Policy.

18. Contact us & how to file a complaint

For questions, requests, or to exercise any of the rights described above, contact us:

• Email (privacy): privacy@ask-tiffany.com
• Phone: [PHONE_NUMBER]
• Mail (optional): [BUSINESS_MAILING_ADDRESS]

Texas Department of Insurance (TDI). Texas residents may contact TDI to file an insurance-related complaint or obtain information about our license:

• Consumer Help Line: 1-800-252-3439
• Web: www.tdi.texas.gov
• Mail: Texas Department of Insurance, P.O. Box 12030, Austin, TX 78711-2030

法律

隱私權政策

生效日： 2026 年 5 月 10 日  ·  最後更新： 2026 年 5 月 10 日

1. 適用範圍

本隱私權政策說明 [BUSINESS_LEGAL_ENTITY]（下稱「Ask-Tiffany」、「我們」） 於您造訪 ask-tiffany.com（「本站」）、使用線上報價表單、或就汽車保險 報價與投保服務（「本服務」）與我們聯繫時，如何蒐集、使用、揭露及保護您之個人資料。本政策適用於我們於線上 及線下蒐集之相關資料。

使用本服務即表示您知悉本政策所述之做法。若您不同意，請勿使用本服務。

2. 關於我們

Ask-Tiffany 為持照之獨立保險經紀。負責經紀人為 [TIFFANY_LEGAL_FULL_NAME]，其持有：

• 德州本州常駐保險經紀執照號碼 [TX_LICENSE_NUMBER]（由 Texas Department of Insurance 管轄）。
• 全國保險經紀編號（NPN）[NPN]。

我們是獨立經紀，並非保險公司，亦不簽發保單。承保事宜由我們合作之各保險公司負責。

3. 我們蒐集的資料

我們僅蒐集為您製作報價、向保險公司送件及提供後續服務所必要之資料。當您填寫報價表單時，可能提供：

個人識別資料

• 英文／法定全名（如提供，亦含中文姓名）。
• 出生日期、性別、婚姻狀況、職業。
• 通訊地址與居住地址。
• 電子郵件地址與電話號碼。

政府證件資料

• 駕照號碼（如適用，亦包含共同被保險人之駕照號碼）。

家戶與車輛資料

• 家戶人口數（含駕駛人、排除駕駛人、子女、室友）。
• 各車輛之車身號碼（VIN）及年份／廠牌／車型。
• 各車主要用途（通勤、營業／共乘、私人）。
• 您列出之共同被保險人之姓名、出生日期、職業、婚姻狀況及駕照號碼。

保險歷史與承保選擇

• 前保險公司、前保單到期日、前保單期間及新保單生效日。
• 承保選擇（他人身體傷害、他人財損、無保險駕駛、全險、碰撞、拖吊、醫療給付、代步車、死亡給付等）。
• 選擇性上傳前保單聲明頁（PDF、JPG 或 PNG，僅用於確認保障及折扣）。
• 您提供之任何特殊需求或備註。

授權與簽名

• 您是否授權我們取得信用及核保報告（是／否）。
• 您鍵入之法定姓名作為電子簽名。
• 您手寫簽名之影像。
• 該簽名之日期、時間及 IP 位址（依《E-Sign Act》留存）。

技術與使用資料

• IP 位址、依 IP 推估之約略位置、瀏覽器類型與版本、作業系統、裝置類型、來源網址、造訪時間戳記。
• 由我方主機及 CDN 服務商自動記錄之資料。

敏感資料。 我們不會透過本站索取社會安全號碼（SSN）、金融帳戶號碼或健康資料。若您透過電子郵件、電話或 其他方式自行傳送該等資料予我們，我們將依本政策及適用法律處理；惟非經我們因合理保險目的明確要求，請勿主動提供。

4. 資料來源

我們可能由下列來源取得資料：

• 您本人——當您填寫表單、來信、來電或上傳文件時。
• 消費者資信機構——例如 LexisNexis Risk Solutions、TransUnion、Equifax、Experian，用於信用評分及身份驗證。
• 州監理所車籍駕駛紀錄（MVR）——供核保使用。
• 理賠歷史資料庫——例如 CLUE、A-PLUS，記載汽車保險理賠紀錄。
• 前保險公司——以核對連續投保紀錄及前承保額度。
• 保險公司及承保管理代理（MGA）——對您之申請進行報價。

5. 資料用途

我們僅基於合法之保險相關目的使用您之資料，包括：

• 製作您之汽車保險報價，並比較合適之保險公司及方案。
• 向一家或多家保險公司提交您之申請以供核保及承保。
• 就報價、申請、保單或服務事項與您聯繫（透過電子郵件、電話或簡訊——通訊同意請見服務條款）。
• 身份驗證及防範詐欺。
• 遵守聯邦及州保險法令，包括德州（《德州保險法》第 38、4001 章）之檔案保存要求。
• 回覆主管機關之查詢、傳票或其他合法請求。
• 改善並維護本站及內部營運之安全。

未事先告知、必要時取得您同意之前，我們不會將您之資料用於與本政策實質不同之目的。

6. 資料分享對象

我們不會出售您的個人資料。 我們僅基於提供服務或法令要求時分享資料，對象包括：

• 合作之保險公司、MGA 及再保公司，用以報價、承保及維護您之保單。
• 消費者資信機構，以取得信用、MVR 及理賠紀錄報告（詳見下方第 8 節）。
• 服務商與供應商，協助我們營運本站及處理申請件，包括 Google LLC（Google Apps Script、Google Sheets、Google Drive，用於接收、紀錄與保存表單送出資料及已簽署文件）以及本站主機商。上述服務商依約僅得為我們提供服務目的使用您之資料。
• 專業顧問，如律師、會計師、稽核及法遵顧問，皆受保密義務約束。
• 政府及監理機關，包括 Texas Department of Insurance，回應其合法查詢、檢查或申訴。
• 執法機關，於有效法律程序或為保護權利、財產或安全之必要時。
• 業務承繼人，因合併、收購、融資、重組或出售全部或部分業務時，並於適當保密保護下進行。

我們不會為非關係之第三人自身行銷目的而與其分享您之非公開個人金融資訊。

7. GLBA／金融隱私告知

作為持照保險經紀，我們屬於聯邦《Gramm-Leach-Bliley Act》（「GLBA」）所稱之「金融機構」，並遵循 GLBA 隱私規則 （16 CFR 第 313 章）及對應之州保險法令。

我們蒐集之非公開個人資料（NPI）類別：

• 您於申請書及其他表單所提供之資訊（姓名、地址、出生日期、婚姻狀況、職業、駕照號碼等）。
• 您與我們、本公司關係企業及他人交易之相關資訊（承保選擇、繳費及保單紀錄）。
• 來自消費者資信機構之資訊（信用評分、MVR、理賠紀錄）。

可能揭露之對象類別：

• 關係企業（目前無；如有變更將更新本政策）。
• 法律允許之非關係第三人，例如承保或維護您保單之保險公司、服務商與主管機關。

選擇退出（Opt-out）。 我們不會為非關係第三人自身之行銷目的分享 NPI，故就此目的無需 opt-out。如欲行使 《德州保險法》第 601 章所提供之其他退出權利，請透過下方第 18 節與我們聯繫。

8. FCRA 告知（信用、駕駛紀錄與理賠紀錄報告）

您於提交報價表單並確認信用授權時，即授權 Ask-Tiffany 與我們所提交申請之保險公司，依美國聯邦《公平信用報告法》 （15 U.S.C. §1681b(a)(3)(C)）所稱「許可目的」，為保險核保與費率計算之用途，取得您之消費者報告。報告可能包括：

• 消費者資信機構之信用保險評分。
• 州監理所之 MVR 駕駛紀錄。
• 汽車保險理賠歷史報告（如 CLUE、A-PLUS）。

不利處分（Adverse Action）。 若保險公司全部或部分依消費者報告對您採取不利處分（包括提高保費、拒絕承保 或不續保），該公司應依法以書面通知您出具報告之機構，並告知您有權免費取得該報告之副本、並就您認為錯誤之內容提出異議。

您可隨時透過第 18 節之聯絡方式撤回信用調閱授權；惟此舉可能影響我們為您製作或維持報價之能力。

9. Cookie 與分析

本站目前僅使用載入頁面所必要之技術（例如內容傳遞網路 CDN 與 Tailwind CSS 框架，可能記錄基本請求資料）。 目前我們不使用廣告 Cookie、跨網站追蹤像素或第三方分析工具。您的瀏覽器會以 localStorage 儲存一筆語言偏好 （英文或繁體中文），您可隨時於瀏覽器之網站資料設定中清除。未來如新增分析或廣告技術，我們將更新本政策並依法提供 必要之告知與選項。

10. 資訊安全

我們採取商業上合理之行政、技術及實體防護措施，以保護您之資料免受未經授權之存取、變更、揭露或銷毀，包括：

• 於您瀏覽器與我方系統間之所有資料傳輸採用 TLS／HTTPS 加密。
• 以權限控管限定僅持照經紀人及必要之授權人員可閱覽您之資料。
• 表單送出資料及上傳檔案儲存於存取受控之 Google Workspace 環境。
• 定期檢視資訊安全作業。

無任何傳輸或儲存方式可達 100% 安全，我們無法保證絕對安全。若發生影響您個人資料之安全事件，我們將依《德州商業及商法》 §521.053 及其他適用法令通知您及主管機關。

11. 資料保存

我們將於提供服務所需期間，並依法令、監理、會計及申報義務所要求之期間保存您之資料。保險檔案保存規則通常要求我們將 經紀檔案——包含申請書、報價、簽署之授權書及相關往來——於保單到期或終止後保存至少五（5）年（如州法或保險公司契約 要求更長期間則從其規定）。備份及例行歸檔副本可能再保存有限期間。保存期滿後，我們將安全刪除或去識別化。

12. 兒童隱私

本服務不對未滿 18 歲者宣傳，亦非為未滿 13 歲者設計。我們不會故意蒐集 13 歲以下兒童之個人資料。若您認為有 13 歲以下兒童 向我們提供資料，請依第 18 節與我們聯繫，我們將予以刪除。

13. 德州居民權利

如您為德州居民，《德州保險法》第 601 章賦予您下列就我們因保險交易所蒐集之個人資料之權利：

• 告知。 取得本告知，瞭解我們之資訊作業。
• 查閱。 於書面請求後合理期間內，請求並取得我們檔案中關於您之個人資料副本。
• 更正。 請求更正、修改或刪除您認為不正確之個人資料，並於我們拒絕時取得書面理由。
• 不利核保決定理由。 取得任何不利核保決定之具體理由及所據資訊項目。
• 申訴。 向 Texas Department of Insurance 提出申訴（見第 18 節）。

欲行使前述權利，請以書面至第 18 節之聯絡地址，並敘明資料項目與請求事項。我們可能需先驗證您之身份。

14. Do Not Track 訊號

部分瀏覽器會傳送「Do Not Track」訊號。由於業界對其回應方式尚無一致標準，本站目前不對其回應。您仍可透過瀏覽器設定及外掛限制追蹤。

15. 第三方連結

本站可能連結至保險公司平台、主管機關網站或其他第三方資源。我們不掌控亦不負責該等第三方之隱私作業，請逕行查閱該等網站之隱私告知。

16. 國際訪客

本站由美國境內運作，主要面向美國（尤其德州）使用者。若您自美國境外造訪本站，係出於您自身意願，並應自負遵守當地法令之責。您之資料將於美國境內處理，當地之資料保護法令可能與您所在國家不同。

17. 政策變更

我們可能不時修訂本政策。若有實質變更，我們將更新本頁頂部之「生效日」並於必要時提供其他通知（例如網站橫幅或電子郵件）。 變更生效後您持續使用本服務即視為接受變更後之政策。

18. 聯絡我們與申訴管道

如有任何疑問、請求或欲行使前述權利，請與我們聯繫：

• 電子郵件（隱私）： privacy@ask-tiffany.com
• 電話： [PHONE_NUMBER]
• 郵寄地址（選用）： [BUSINESS_MAILING_ADDRESS]

Texas Department of Insurance (TDI)。 德州居民可向 TDI 提出保險相關申訴或查詢我們之執照：

• 消費者諮詢電話：1-800-252-3439
• 網址：www.tdi.texas.gov
• 郵寄：Texas Department of Insurance, P.O. Box 12030, Austin, TX 78711-2030