Privacy

Privacy Policy
Able Auto Cycle Insurance, Inc. d/b/a Able Insurance
Wilmington, North Carolina
Service area: North Carolina and South Carolina

Able Auto Cycle Insurance, Inc. d/b/a Able Insurance (“Able Insurance,” “we,” “our,” or “us”) is committed to protecting your privacy as a visitor to our website and as our customer. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, request a quote, contact us, or otherwise interact with our agency.

By using our site, you consent to this Privacy Policy.

Information We Collect
We may collect personal and business information in connection with providing insurance quotes, services, and policyholder support. This may include:

Information you provide directly to us on quote forms, applications, claim forms, or other forms, such as names, addresses, phone numbers, email addresses, dates of birth, driver’s license numbers, Social Security numbers, vehicle information, property information, household information, and other details about the risks to be insured.

Information about your transactions with us, such as premium payments, coverage selections, claims, and account history.

Information we receive from third parties, such as insurance companies, insurance reporting agencies, credit reporting agencies, medical providers, employers, government agencies, and other insurers, which may include claim history, credit-related information, medical or employment information, and other insurance-related data, as permitted by law.

Information you provide when you email us, call us, text us, or otherwise communicate with us, including your email address, phone number, and any information you include in your messages.

We may maintain a record of your information in our agency management systems so we can provide you with quotes, policyholder service, and ongoing support. Our employees are instructed on the importance of protecting customer information.

If you pay premium by credit card, we do not keep your full credit card number in our files beyond what is needed to process the payment. If you pay by check, we may retain a copy of the check in your file as part of your account record.

You may also visit our website anonymously; however, if you choose not to provide certain information, we may be unable to provide quotes or services.

How We Use Your Information
We may use the information we collect for purposes including:

To provide insurance quotes, evaluate eligibility, and obtain pricing from insurance carriers.

To service insurance policies, including billing, changes, renewals, and claims-related communications.

To respond to your questions, requests, and customer service needs.

To personalize your experience and improve our website, products, and services based on your feedback and usage.

To send you information about your quotes, policies, account, and, where permitted by law, information about other products and services we or our partners offer.

To maintain business records and comply with legal, regulatory, and insurance-related obligations.

The email address or phone number you provide may be used to send you information and updates related to your quotes, policies, and service requests. You may have options to limit certain marketing communications as permitted by law.

Cookies and Tracking Technologies
Our website may use cookies, pixels, tags, and similar technologies. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enable the site or service provider’s systems to recognize your browser and capture and remember certain information.

We may use cookies and similar technologies in order to:

Understand and save your preferences for future visits.

Carry forward your input information during a quote or enrollment process so you do not have to reenter it.

Compile aggregate data about site traffic and interactions so that we can offer better site experiences and tools.

Support analytics and advertising tools such as, but not limited to, Google Analytics, Google Ads, and ad networks, which help us understand how our site is used and how our advertising performs.

We may contract with trusted third-party service providers to assist us in better understanding our site visitors and improving our business. These providers are not authorized to use the information collected on our behalf except to help us conduct and improve our operations, subject to their own privacy policies and applicable law.

You can choose to have your browser warn you each time a cookie is being sent, or you can choose to disable cookies through your browser settings. If you disable cookies, some features of the site may not function properly.

How We Share Information
Able Insurance is the owner of the information collected on this website and in our agency management systems, subject to applicable law. We do not sell, rent, or lease your personally identifiable information to third parties.

We may disclose personal information in the following ways, as permitted by law:

To insurance companies, brokers, wholesalers, reinsurers, claim administrators, medical providers, employers, and other parties involved in underwriting, rating, quoting, servicing, or adjusting insurance policies and claims.

To third-party service providers who assist us in operating our website, conducting our business, processing payments, providing quotes, marketing our services, or servicing you, so long as those parties agree to keep information confidential and use it only for the purposes for which it was provided.

To credit reporting agencies, insurance support organizations, government agencies, and others as permitted or required by law.

To comply with applicable laws and regulations, respond to legal process, enforce our site policies, or protect our rights or the rights, property, or safety of others.

We may also share non‑personally identifiable or aggregated information with third parties for analytics, marketing, or other business purposes.

We do not disclose nonpublic personal information to our affiliates or nonaffiliated third parties, except as required or permitted by law or as described above. Our contracts with service providers prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.

Notice of Insurance Information Practices
In connection with applications for insurance and policy renewals, personal and, in some cases, sensitive information about you may be collected from persons and organizations other than you. This may include information from credit reports, loss history reports, medical providers, employers, prior insurers, insurance support organizations, and other sources.

You may have rights under applicable law to review certain personal information we have about you and to request correction of inaccuracies. A more detailed description of your rights and our practices regarding insurance information may be available from the insurance carrier or by contacting us and asking for additional details about our information and disclosure practices.

Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, may be committing a fraudulent insurance act and may be subject to penalties under applicable law.

Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, or use. However, no website, email, or method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

Our agency makes every effort to maintain privacy while using our website. If information is ever viewed by another party, it may be the result of circumstances beyond our control, such as unlawful acts by others. By using our website, you release us from liability for unauthorized access to information through no fault of our own, to the extent permitted by law.

To help protect your privacy, please do not send us confidential personal information (such as Social Security numbers, detailed medical information, or payment card data) by unencrypted email. Instead, discuss that personal information with us by phone or by other more secure means.

Children’s Privacy
Our website, products, and services are directed to people who are at least 13 years old or older. We do not knowingly collect personal information online from children under 13 years of age. If we learn that we have collected information from a child under 13, we will take reasonable steps to delete it as required by the Children’s Online Privacy Protection Act (COPPA).

Third-Party Websites
This website may contain links to third-party websites that are not controlled by Able Insurance. These links are provided as a convenience only. We are not responsible for the privacy practices, security, or content of any third-party websites. Your use of those sites is at your own risk, and their privacy policies and terms will govern your use of those sites.

Our Privacy Policy applies only to information we collect from you while you are on our website and actively in a session with us, and to certain offline information as described above.

Online and Offline Information
This online Privacy Policy applies to information collected through our website and, to the extent described, to information we collect offline in connection with insurance transactions. Some additional privacy notices may be provided directly by insurance carriers with whom we place your coverage.

Your Choices
You may choose not to provide certain information, but that may limit our ability to provide quotes or services. You may be able to control certain cookies or advertising preferences through your browser or third‑party tools. You may also contact us if you wish to review or update certain information we maintain about you, subject to applicable law.

Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after we post changes means you accept the revised Privacy Policy.

Contact Us
If you have questions about this Privacy Policy or our privacy practices, or if you wish to exercise any rights you may have under applicable law, please contact Able Auto Cycle Insurance, Inc. d/b/a Able Insurance using the contact information provided on our website or by calling our office.