Privacy Policy

K2 Insurance Agency LLC (“K2 Insurance,” “K2,” “we,” “us,” or “our”) respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website and through communications initiated through the website.

Who We Are

K2 Insurance Agency LLC is an independent insurance agency located at 1690 S Congress Avenue, Suite 109-8, Delray Beach, Florida 33445.

This online Privacy Policy supplements, but does not replace, any additional privacy notice or disclosure that may be required under applicable insurance or financial-privacy law.

Information We Collect

The information we collect depends on how you interact with us and the type of insurance or service you request.

Information You Provide

When you request a quote, submit a form, apply for coverage, communicate with us, or request policy assistance, you may provide information such as:

• Name
• Email address
• Telephone number
• Mailing, property, or business address
• Date of birth
• Insurance product of interest
• Property, vehicle, driver, household, business, or coverage information
• Current or prior insurance information
• Mortgagee, lienholder, or additional-interest information
• Information contained in documents you submit
• Details included in messages, emails, or other communications

Some information may be optional at the initial inquiry stage but may be required later to obtain an accurate quote, determine eligibility, bind coverage, or service a policy.

Please do not submit highly sensitive information through a general website message unless we have specifically requested it through an appropriate method.

Information Obtained From Other Sources

As part of the insurance quoting, underwriting, placement, and servicing process, we or the applicable insurance carrier may obtain information from authorized third-party sources, including:

• Insurance carriers
• Managing general agents and wholesale brokers
• Consumer reporting agencies
• Insurance-support organizations
• Claims-history databases
• Motor-vehicle records
• Property records and inspection services
• Public records
• Prior insurance providers
• Mortgage companies, lenders, or other authorized parties

Such information is obtained only as permitted by applicable law and, when required, with your authorization.

Website and Technical Information

When you visit our website, certain technical information may be collected automatically, such as:

• Internet Protocol address
• Browser and device type
• Operating system
• Pages viewed
• Approximate location derived from an IP address
• Date and time of access
• Referring website
• Website interactions and error information

We may use essential cookies, server logs, and limited analytics tools to operate the website, understand general usage, maintain security, and improve performance.

Information We Do Not Collect Through the Public Website

We do not collect or store full payment-card numbers through our general public website forms.

When a payment is required, it may be processed through an insurance carrier, premium finance company, or other third-party payment provider. That provider’s privacy policy and security practices govern the payment information submitted to it.

Copies of checks, receipts, transaction confirmations, or payment references may be retained in an insurance file when reasonably necessary for servicing, accounting, or legal compliance.

How We Use Personal Information

We may use personal information to:

• Respond to questions and quote requests
• Identify insurance products that may meet your needs
• Obtain, compare, and present insurance quotes
• Submit information to insurance carriers and underwriting partners
• Verify information and determine preliminary eligibility
• Process applications and assist with binding coverage
• Communicate about quotes, applications, policies, renewals, cancellations, inspections, underwriting requirements, and claims
• Service and maintain insurance policies
• Process requested policy changes
• Maintain agency and transaction records
• Provide customer support
• Prevent fraud, misuse, or unauthorized activity
• Operate, secure, and improve our website and systems
• Comply with carrier requirements, contractual obligations, legal requirements, regulatory requests, and professional responsibilities
• Establish, exercise, or defend legal rights

We use personal information only for legitimate insurance, business, operational, security, and legal purposes.

How We Share Personal Information

We do not sell, rent, lease, or trade personal information for third parties’ independent marketing purposes.

We may disclose information in the following circumstances:

Insurance and Underwriting Partners

We may share information with insurance carriers, managing general agents, wholesale brokers, underwriting partners, inspection companies, premium finance companies, claims administrators, and other parties involved in quoting, underwriting, issuing, financing, or servicing insurance coverage.

Service Providers

We may share information with vendors that perform services on our behalf, including:

• Website hosting
• Email delivery
• Customer relationship management
• Agency management systems
• Telephone and text-message services
• Document-signature and document-storage platforms
• Information technology and cybersecurity services
• Data verification
• Analytics
• Professional consulting

These service providers receive information only as reasonably necessary to perform services for K2 Insurance and are expected to handle it appropriately.

Authorized Parties

We may disclose information to a mortgage company, lender, title company, real estate professional, family member, business representative, or other party when you authorize us to do so or when reasonably necessary to complete a transaction you requested.

Legal and Regulatory Purposes

We may disclose information when reasonably necessary to:

• Comply with a law, regulation, court order, subpoena, or regulatory request
• Cooperate with insurance regulators, law enforcement, or government authorities
• Detect or prevent fraud, misuse, security incidents, or illegal activity
• Protect the rights, property, or safety of K2 Insurance, our customers, or others
• Establish, exercise, or defend legal claims

Business Transactions

Information may be transferred as part of a merger, acquisition, sale, reorganization, financing, or transfer of all or part of our business, subject to appropriate confidentiality and legal requirements.

Text Messages and Telephone Communications

We send text messages only when you have provided the required consent or when otherwise permitted by law.

By checking a text-message consent box or otherwise expressly opting in, you agree to receive text messages from K2 Insurance relating to your inquiry, quotes, applications, policies, requested services, or other insurance-related communications.

Message frequency varies. Message and data rates may apply. Consent to receive text messages is not a condition of purchasing insurance.

You may opt out at any time by replying STOP. For assistance, reply HELP or contact us using the information below.

After an opt-out request, we may send a final message confirming that you have been unsubscribed. We may also contact you through another method when necessary to respond to a request, service an existing policy, or comply with legal obligations.

Mobile telephone information, text-message opt-in data, and consent records will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

We may share this information with service providers that help us deliver messages, maintain consent records, operate our communications systems, or comply with applicable law.

Cookies and Analytics

Cookies are small files placed on a browser or device to support website functionality and collect information about website use.

Our website may use:

• Essential cookies necessary for security and operation
• Session technologies that support website functions
• Analytics tools that help us understand website traffic and performance

We do not sell personal information collected through cookies.

Third-party services embedded in or linked from the website may use their own cookies or similar technology. Their practices are governed by their respective privacy policies.

Browser settings may allow you to block or delete cookies. Disabling essential cookies may affect website functionality.

If our use of cookies or tracking technologies changes materially, we will update this Privacy Policy and provide any notices or choices required by law.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, acquisition, use, alteration, disclosure, or destruction.

These measures may include access controls, secure systems, encrypted transmission, vendor management, employee confidentiality requirements, system monitoring, and record-retention procedures appropriate to the nature of the information.

No website, email system, electronic transmission, or storage method can be guaranteed to be completely secure. You should use caution when sending sensitive information electronically.

Data Retention

We retain personal information only for as long as reasonably necessary to:

• Respond to an inquiry
• Prepare or maintain insurance quotes
• Process and service insurance coverage
• Maintain appropriate agency records
• Meet carrier, contractual, accounting, legal, regulatory, or professional requirements
• Resolve disputes
• Prevent fraud
• Enforce agreements

Retention periods vary depending on the nature of the information and the purpose for which it was collected.

When information is no longer reasonably required, we may securely delete, destroy, de-identify, or archive it in accordance with applicable requirements.

Your Privacy Choices

You may contact us to:

• Ask what personal information we maintain about you
• Request correction of inaccurate information
• Update your contact information
• Withdraw certain communication preferences
• Request deletion of information we are not legally or operationally required to retain

We may need to verify your identity before fulfilling a privacy request.

We may be unable to delete information that must be maintained for insurance servicing, carrier obligations, legal compliance, regulatory requirements, fraud prevention, dispute resolution, or recordkeeping.

Depending on where you reside and the laws that apply, you may have additional privacy rights.

Email Choices

You may unsubscribe from promotional emails by using the unsubscribe link included in the message or by contacting us.

Even after opting out of promotional communications, we may continue sending nonpromotional messages relating to an inquiry, transaction, application, policy, legal notice, or requested service.

Children’s Privacy

This website is intended for adults and is not directed to children under 13.

We do not knowingly collect personal information directly from children under 13 through this website. Information concerning a child may be collected from a parent, guardian, or authorized adult when reasonably necessary for an insurance quote or policy.

Contact us if you believe a child has submitted personal information directly to us without appropriate authorization.

Third-Party Links

Our website may contain links to insurance carriers, payment providers, client portals, social media platforms, mapping services, and other third-party websites.

K2 Insurance does not control and is not responsible for the privacy, security, availability, or content of third-party websites. Review the privacy policy of any third-party site before providing information.

Data Breach Response

If we become aware of a security incident involving personal information, we will investigate and take reasonable steps to contain and address the incident.

When required by applicable law, we will provide notice to affected individuals, regulators, law enforcement, or other appropriate parties.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our website, services, technology, business operations, or legal requirements.

When we make changes, we will revise the “Last Updated” date at the top of this page. Material changes will be communicated through the website or another appropriate method when required.

Contact Us

Questions, concerns, or privacy requests may be directed to:

K2 Insurance Agency LLC

1690 S Congress Avenue, Suite 109-8, Delray Beach, Florida 33445

Email: Support@K2insure.com

Phone: (561) 749-9993