Privacy Policy

Effective Date: August 20, 2018

Bluegrass Insurance Services and subsidies (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information in accordance with applicable federal and Kentucky state laws. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our website, you agree to the terms of this Privacy Policy.

1. Information We Collect For Insurance Needs

a. Personal Information

We may collect personally identifiable information, including:

  • Name

  • Address

  • Email address

  • Phone number

  • Date of birth

  • Driver’s license number

  • Insurance and financial information

c. Communication Data

Information provided when you interact with us, including phone, email, contact forms, or SMS/text messaging.

2. How We Use Your Information

We use your information to:

  • Provide, underwrite, and service insurance policies

  • Process claims and payments

  • Communicate important policy and service updates

  • Respond to your inquiries and customer service requests

  • Improve website functionality and user experience

  • Comply with legal obligations under federal and Kentucky law

  • Send marketing communications where permitted

3. Sharing and Disclosure of Information

We may disclose your information as permitted by law, including:

  • To insurance carriers, agents, and brokers

  • To third-party service providers performing business functions (e.g., claims processing, billing)

  • To regulatory agencies, including the Kentucky Department of Insurance, as required

  • To comply with legal obligations, court orders, or fraud prevention investigations

Text messaging opt-in data and consent is not shared with any third parties.

We do not sell your personal information.

4. Kentucky Privacy Rights and Insurance Regulations

In accordance with the Kentucky Insurance Code (KRS Chapter 304) and applicable insurance privacy regulations:

  • We may collect and disclose personal information as necessary to conduct insurance business.

  • You have the right to request access to and correction of your personal information maintained in our records.

  • We are required to maintain the confidentiality of your information and protect it from unauthorized access.

  • Certain disclosures of your information may occur without your authorization when permitted by law, such as for underwriting, claims handling, or fraud detection.

Kentucky residents may contact us to:

  • Review personal information collected about them

  • Request corrections to inaccurate data

  • Obtain information about disclosures made, as permitted by law

5. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

  • Improve website performance

  • Understand user behavior

  • Customize your experience

You can control cookie settings through your browser.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information in accordance with applicable federal and Kentucky requirements. Despite these efforts, no method of data transmission or storage is completely secure.

7. Retention of Information

We retain personal information as long as necessary to:

  • Fulfill business purposes

  • Comply with legal and regulatory obligations

  • Resolve disputes and enforce agreements

Retention periods are determined based on Kentucky insurance regulations and standard industry practices.

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content.

9. Children’s Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal data from children.

10. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted here with an updated effective date.