Privacy Policy

Effective Date: September 11, 2026

NAVINSURE ("we," "us," or "our") respects your privacy. This Privacy Policy explains how NAVINSURE collects, uses, and shares information provided through navinsure.us and quote.navinsure.us.

1. Information We Collect

a) Information You Provide

We collect information that customers provide through our websites, including:

• Contact & identity: name, address, email, phone, date of birth
• Sensitive identifiers: government-issued IDs (e.g., driver's license)
• Insurance needs: details about your boat, yacht, aircraft, or business
• Claims & insurance history
• Payment and account information, when applicable
• Information and documents provided in connection with an insurance application, quote, or policy

Private information is collected only for purposes related to insurance applications, obtaining insurance quotes, arranging insurance policies, and servicing those applications and policies.

b) Information Collected Automatically

We may automatically collect certain information when you use our websites, including:

• Device & browser data: IP Address, pages visited and site usage
• Cookies and tracking technologies for website functionality and analytics

2. How We Use Your Information

We use your data to:

1. Provide insurance quotes and process applications for boat, yacht, and aviation coverage
2. Share necessary details with insurers to get accurate quotes, complete underwriting and policy issuance
3. Deliver customer support and respond to inquiries
4. Improve website usability and performance
5. Prevent fraud and ensure compliance with laws
6. Request additional information or documents needed to obtain quotes or complete an insurance application
7. Communicate with you about your own insurance application or policy

We may communicate with customers by phone call or text message for functional purposes relating to their own insurance application or policy.

We do not use customer phone numbers to send promotional offers or unrelated marketing messages.

3. How We Share Your Information

We only share your data as necessary to deliver services.

Insurance carriers and underwriters

We may share necessary information with insurance carriers and underwriters to obtain policy quotes, complete underwriting, and issue insurance policies.

Service providers

We may share information with service providers, such as analytics tools, hosting, and payment processors, under confidentiality agreements, where necessary to operate our websites and provide our services.

Legal or government authorities

We may disclose information to legal or government authorities, as required by law.

NAVINSURE does not sell customer information as a business or service.

We do not share customer information with third parties for the purpose of selling that information or for third-party marketing.

Confidential information is not shared with third parties other than those described above where necessary to provide our services or comply with legal requirements.

4. Cookies & Tracking

We use cookies and similar technologies to:

• Enable core website features
• Support website functionality
• Understand website usage and improve website usability and performance
• Support analytics

5. SMS and Phone Communications

Customers may provide their phone number during the NAVINSURE quote application process and may separately and directly opt in to receive SMS communications.

SMS consent is voluntary and is not a condition of obtaining an insurance quote, purchasing insurance, or receiving insurance-related services.

After a customer directly opts in, NAVINSURE may send text messages or make phone calls only for functional purposes relating to that customer's own insurance application or policy, including:

• Asking for information needed for an application or quote
• Requesting additional documents or information
• Updating the customer about the status of their application
• Updating the customer about the completion of their application
• Updating the customer regarding their own insurance policy
• Confirming or rescheduling meetings
• Sending a link to the customer's own application or dashboard, where applicable

NAVINSURE does not use these communications to send promotional offers or unrelated marketing messages.

Message frequency varies depending on the customer's application, policy, and interactions with NAVINSURE.

Message and data rates may apply.

Customers may opt out of SMS communications at any time by replying STOP.

Customers may request assistance by replying HELP.

SMS consent is not a condition of purchasing insurance, obtaining an insurance quote, creating an account, or receiving services from NAVINSURE.

6. No Sale of Customer Information

NAVINSURE does not sell customer information as a dedicated service or business activity.

Customer information is collected and used in connection with providing insurance-related services and is not collected for the purpose of selling that information to third parties.

7. Where Information Is Collected

Customer information covered by this Privacy Policy is collected through the NAVINSURE websites, including:

navinsure.us

quote.navinsure.us

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updated version will be posted on this page with a revised effective date.

9. Contact

For questions regarding this Privacy Policy or how NAVINSURE handles customer information, please contact NAVINSURE through the contact information provided on our website.