Privacy Policy

1) Who we are

AmericaFine (“Company,” “we,” “us,” or “our”) operates americafine.com (the “Site”). We collect information from clients (individuals seeking insurance products/services) and partners (agencies, brokers, affiliates) who register or interact with us through the Site.

This Privacy Policy describes how we collect, use, disclose, and protect personal information in the United States. It focuses on U.S. federal law and does not grant or limit rights under any specific state law.

2) Scope of this Policy

This Policy applies to information we collect:

  • On the Site and in online forms;

  • In emails, texts, and other electronic messages between you and us; and

  • Through integrated services (e.g., analytics, CRM, payment processors) used to operate the Site.

It does not apply to information collected offline (unless we expressly link to this Policy) or by third-party websites or services that may link to or be accessible from our Site.

3) Information we collect

A) Information you provide

Clients (individuals):

  • Identifiers and contact info (name, email, phone, address)

  • Insurance application details (policy interests, risk info you choose to provide)

  • Payment information (when you pay us directly)

Partners (businesses/agencies):

  • Business profile (legal name, tax ID/EIN, licensing/appointments)

  • Contact details for representatives

  • Commission, billing, and payout details

  • Due-diligence materials for onboarding and compliance

Communications & preferences: Messages, marketing preferences, and any information you submit through forms or support channels.

B) Information collected automatically

When you visit the Site, we and our service providers may automatically collect:

  • Device and usage data (IP address, browser type, operating system, pages viewed, time on page, referring/exit pages)

  • Cookie, pixel, and similar identifier data

  • Log data and error diagnostics

C) Information from third parties


  • Identity, eligibility, credit or fraud-prevention data (as permitted by law)

  • Lead sources, referral partners, or marketing platforms

  • Public records or licensing databases (for partner verification)

4) How we use information

We use information to:

  • Provide services: Process registrations, evaluate eligibility, issue quotes, underwrite or place policies, manage accounts, pay commissions, and deliver support

  • Verify & comply: Authenticate users; perform due diligence; satisfy legal, regulatory, and reporting obligations (including those applicable to insurance and financial services)

  • Improve & secure: Operate, analyze, enhance, and secure the Site; debug and prevent fraud or abuse

  • Communicate: Send transactional notices, service updates, and—where required—marketing communications with consent

  • Business operations: Accounting, auditing, training, research, and internal reporting


We may aggregate or de-identify information for analytics and product improvement. Aggregated/de-identified data is not subject to this Policy.

5) Disclosure of information

We may share information with:

  • Carriers, MGAs/MGUs, underwriters, TPAs, and reinsurers involved in delivering insurance products/services

  • Authorized partners/agents assisting with sales, onboarding, servicing, commissions, or customer support

  • Service providers/processors (hosting, cloud storage, analytics, identity verification, payment processing, email/SMS, CRM, security) bound by contractual confidentiality and security obligations

  • Professional advisors (auditors, legal counsel, accountants)

  • Regulators and law enforcement when required by law or to protect rights, safety, and security

  • Successors/assignees in a merger, acquisition, financing, or sale of all/part of our business

We do not sell personal information for monetary consideration. We do not share personal information for targeted advertising as defined under certain state laws; although this Policy does not adopt state-law definitions, we maintain this practice nationally.

6) Your choices

Account & profile: You may update certain information by contacting us.

Marketing communications: Opt out of marketing emails any time using the unsubscribe link. For SMS, reply STOP to opt out and HELP for help. We may still send transactional or service messages.

Cookies & tracking controls:

  • Use your browser settings to block/clear cookies

  • Adjust preferences through our cookie banner or settings (where offered)

Do Not Track (DNT): The Site does not respond to DNT signals because no uniform industry standard has been adopted in the U.S.

7) Data retention

We retain personal information only as long as necessary to fulfill the purposes described in this Policy, comply with legal, regulatory, and accounting obligations (including insurance/financial-record retention requirements), resolve disputes, and enforce agreements.

8) Security

We implement administrative, technical, and physical safeguards designed to protect personal information, such as encryption in transit, access controls, least-privilege practices, secure development, monitoring, and vendor diligence. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.

9) International transfers

If data is transferred, stored, or processed outside the U.S., we take steps designed to ensure an appropriate level of protection in the receiving location and to restrict access to personnel and vendors with a need to know.

10) Third-party links and integrations

The Site may include links or integrations with third-party sites, platforms, or services. We are not responsible for the privacy practices of those third parties. Review their privacy notices before providing information.

11) Children’s privacy (COPPA)

Our Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us information, contact us so we can delete it or obtain verifiable parental consent as required by law.

12) SMS terms (if you use texting)

By providing your mobile number and consenting to receive texts, you agree to receive SMS related to your registration or services and, where applicable, promotional messages. Message and data rates may apply. Message frequency varies. Reply STOP to cancel, HELP for help. Carriers are not liable for delayed or undelivered messages.

13) State privacy notices

This Policy is drafted to align with U.S. federal law and does not enumerate rights under specific state privacy statutes. If you are a resident of a state with additional rights (e.g., access, deletion, correction), you may contact us and we will assess and respond consistent with applicable law and our nationwide practices.

14) Changes to this Policy

We may update this Policy from time to time. The “Last updated” date indicates the latest revision. Material changes will be posted on this page and, where required, we will provide additional notice.

(Last updated: October 24, 2025)