Privacy Policy & Information Disclosure

This Privacy Policy & Website Information Disclosure (“Policy”) explains how Best Formula Insurance Services (“Best Formula,” “we,” “us,” or “our”) may collect, use, protect, and disclose information obtained through this website (“Website”). It also explains important limitations regarding insurance information, artificial intelligence-assisted content, third-party websites, and other information presented on our Website.

By accessing or using this Website, you acknowledge and accept the practices and disclosures described in this Policy.

ARTICLE I – PRIVACY POLICY

1. Information We Collect

We may collect information from visitors in several ways.

Information You Provide

We may receive and store information that you voluntarily provide through the Website or through other communications with us. This may include information submitted when:

• Requesting an insurance quote
• Requesting information about our products or services
• Completing an online form
• Contacting our office
• Submitting questions or comments
• Communicating with one of our representatives

We may use this information to respond to your request, provide services, improve the customer experience, communicate with you, and better understand how visitors use our Website.

Information Collected Automatically

When you visit our Website, certain information may be collected automatically through cookies, analytics tools, and similar technologies.

Cookies are small data files that may be placed on your device to help websites recognize returning visitors and understand how the Website is being used.

This information may be used to:

• Analyze Website traffic and usage
• Improve Website functionality
• Understand visitor interests
• Improve our marketing and customer service initiatives
• Enhance the overall Website experience

You may be able to limit or disable cookies through your browser settings. Disabling cookies may affect certain Website functionality.

2. How We Use Information

Information collected through the Website may be used for legitimate business purposes, including:

• Responding to insurance quote requests
• Providing requested products or services
• Responding to questions and comments
• Communicating with customers and prospective customers
• Improving our Website and services
• Understanding Website usage and visitor trends
• Maintaining security
• Complying with applicable legal and regulatory requirements
• Providing information regarding products, services, or other business offerings

Information may also be disclosed when required by law, regulation, court order, legal process, or when reasonably necessary to protect the rights, property, security, or safety of Best Formula Insurance Services, our customers, Website users, or others.

3. Your Choices and Access to Information

You may choose not to provide certain personal information through our Website. However, doing so may prevent us from providing certain services, quotes, or Website features.

If you have previously provided information and would like to request that it be corrected, updated, or removed, you may contact Best Formula Insurance Services.

Certain information may need to be retained when required for legal, regulatory, insurance, recordkeeping, fraud prevention, or other legitimate business purposes.

4. Information Security

Best Formula Insurance Services takes reasonable measures to protect personal information from unauthorized access, misuse, alteration, loss, or disclosure.

Where appropriate, security technologies may be used to protect information transmitted through our Website.

However, no website, electronic communication, data transmission, or storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted electronically.

5. User Responsibilities

If any portion of our Website requires account credentials or other secure access information, users are responsible for maintaining the confidentiality of those credentials.

Users should take reasonable precautions to protect their devices, passwords, account information, and other sensitive information from unauthorized access.

6. Children’s Privacy

Our Website and insurance services are intended for adults and are not directed toward children.

Users submitting information through the Website should be at least 18 years old or otherwise legally authorized to provide the requested information.

If a parent or legal guardian believes that a child has submitted personal information through our Website, please contact us so that we may review the matter and, where appropriate, remove the information.

7. Third-Party Websites

Our Website may contain links to websites operated by insurance carriers, vendors, government agencies, service providers, or other third parties.

When you follow a link to a third-party website, you are leaving our Website. Best Formula Insurance Services does not control the privacy, security, accuracy, or content practices of third-party websites.

This Policy applies only to our Website. We encourage visitors to review the privacy policies and terms of any third-party websites they visit.

8. Google Analytics and Website Analytics

Our Website may use Google Analytics or similar analytics technologies to help us understand Website traffic, visitor behavior, demographics, interests, and general Website usage.

These technologies may use cookies and other tools to collect information.

We may use this information to:

• Understand Website performance
• Analyze visitor trends
• Improve Website content
• Improve customer service
• Evaluate marketing efforts

Visitors who wish to limit Google Analytics tracking may use Google’s available browser settings, privacy controls, or opt-out tools.

ARTICLE II – WEBSITE INFORMATION & AI CONTENT DISCLOSURE

9. General Website Information

Best Formula Insurance Services makes reasonable efforts to provide accurate, useful, and current information throughout this Website.

However, the insurance industry changes frequently. Laws, regulations, insurance requirements, underwriting guidelines, eligibility requirements, rates, discounts, coverage options, carrier programs, and product availability may change after information is published.

As a result, information appearing on this Website may occasionally become outdated, incomplete, or inaccurate.

Information may also vary based on factors such as:

• State or jurisdiction
• Insurance carrier
• Policy type
• Policy form
• Applicant eligibility
• Risk characteristics
• Underwriting requirements
• Coverage selections
• Changes in laws or regulations

Website content is provided primarily for general informational and educational purposes and should not be interpreted as a guarantee of coverage, eligibility, pricing, availability, or a particular insurance outcome.

10. Artificial Intelligence (AI) Disclosure

Best Formula Insurance Services may use artificial intelligence technologies, including ChatGPT and other AI-assisted tools, to help create, research, organize, summarize, draft, edit, or improve certain Website content.

We review Website content and make reasonable efforts to identify and correct inaccurate, misleading, or outdated information.

However, human review does not guarantee that every statement is completely accurate, current, or error-free.

AI-assisted content may occasionally contain:

• Inaccurate information
• Outdated information
• Omissions
• Incomplete explanations
• Incorrect interpretations
• Information that applies in one state but not another
• Information that differs from current insurance carrier guidelines

Visitors should not rely exclusively on Website content, including AI-assisted content, when making decisions regarding insurance coverage.

When specific information is important to your insurance decision, we encourage you to contact a licensed insurance professional to verify the information.

11. State-Specific Insurance Information

Insurance is regulated primarily at the state level. Laws, regulations, minimum insurance requirements, available products, policy forms, coverage requirements, and insurance practices may differ significantly between states.

Best Formula Insurance Services conducts insurance business in multiple states.

Because insurance requirements and markets vary by jurisdiction, information appearing on our Website may not apply to every state in which we conduct business.

The availability of a particular:

• Insurance carrier
• Coverage
• Discount
• Program
• Policy type
• Insurance product

may depend on the applicant’s state, location, eligibility, underwriting characteristics, and other factors.

12. Carrier Guidelines, Rates & Product Availability

Insurance companies regularly modify their underwriting guidelines, rates, discounts, eligibility requirements, programs, coverage options, and product availability.

These changes may occur before the corresponding information on our Website can be updated.

For this reason, information regarding an insurance carrier or product should be independently confirmed when requesting a quote or purchasing coverage.

Information presented on this Website does not modify, expand, reduce, or replace the terms, conditions, exclusions, limitations, definitions, or requirements contained in an actual insurance policy, endorsement, application, quotation, binder, or official carrier document.

If Website information differs from an issued insurance policy or official carrier documentation, the applicable policy and carrier documentation will govern, subject to applicable law.

13. No Guarantee of Website Accuracy

Although Best Formula Insurance Services makes reasonable efforts to maintain accurate and current Website information, we cannot guarantee that every page, article, description, example, FAQ, or other piece of content is:

• Completely accurate
• Current
• Complete
• Error-free
• Applicable to every state
• Applicable to every insurance carrier
• Applicable to every customer or situation

Website information may be corrected, updated, modified, expanded, or removed at any time.

Visitors should verify important insurance information with a licensed insurance professional before purchasing, changing, canceling, or making decisions regarding insurance coverage.

14. Insurance Quotes & Coverage

Information displayed on this Website does not constitute an insurance binder and does not guarantee that insurance coverage has been or will be issued.

Insurance quotes are subject to applicable underwriting requirements, carrier approval, eligibility requirements, rates, payment requirements, policy terms and conditions, and applicable state laws and regulations.

Rates and quotes may change based on additional information, underwriting review, carrier requirements, or other factors.

Coverage should not be considered bound, issued, changed, or canceled unless appropriately confirmed by the applicable insurance carrier or an authorized insurance representative.

15. Educational Content Is Not a Substitute for Policy Documents

Articles, guides, FAQs, coverage explanations, examples, and other educational materials on our Website are intended to help consumers better understand insurance concepts.

These materials are general in nature and cannot account for every policy, carrier, endorsement, exclusion, state requirement, or individual circumstance.

The actual insurance policy, declarations, endorsements, exclusions, and applicable carrier documentation determine the coverage provided.

Customers should review their actual policy documents and contact a licensed insurance professional with questions regarding their coverage.

16. Errors, Updates & Corrections

Insurance information changes over time, and despite our efforts, errors may occasionally appear on our Website.

We welcome notification of information that appears inaccurate, outdated, incomplete, or unclear.

If you believe Website information requires correction or clarification, please contact Best Formula Insurance Services so that we can review it.

We reserve the right to update, correct, modify, or remove Website information at any time.

ARTICLE III – GENERAL PROVISIONS

17. Changes to This Policy

Best Formula Insurance Services may revise this Privacy Policy & Website Information Disclosure periodically to reflect changes in our Website, business practices, technologies, legal requirements, or other circumstances.

Updated versions may be posted to this page.

Visitors are encouraged to periodically review this Policy for changes.

18. Acceptance of This Policy

By accessing and continuing to use this Website, you acknowledge that you have had an opportunity to review this Privacy Policy & Website Information Disclosure.

If you do not agree with this Policy, you should discontinue use of the Website.

19. Contact Us

If you have questions regarding this Privacy Policy & Website Information Disclosure, our privacy practices, Website information, or information that you believe requires correction, please contact:

Best Formula Insurance Services

Website: www.bestformulainsurance.com

You may also contact us through the Contact Us page available on our Website.

Important Insurance Notice

Insurance products, coverage availability, underwriting requirements, rates, discounts, eligibility, and insurance laws may vary by state and are subject to change. Website content, including content created or assisted by artificial intelligence, is provided for general informational purposes and should be verified with a licensed insurance professional when making insurance decisions.

Nothing on this Website should be interpreted as confirmation that insurance coverage has been bound, issued, modified, or canceled.

 

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.