Privacy Policy

We collect information that you voluntarily provide to us and information that is automatically collected when you use our website.

Information You Provide Directly

• Contact Information: Full name, mailing address, phone number, and email address submitted through quote request forms or contact forms.
• Insurance-Related Information: Vehicle identification numbers, property addresses, coverage preferences, current insurer details, and other information necessary to generate an accurate insurance quote.
• Financial Information: General information about your assets or liabilities as needed to assess coverage requirements. We do not collect credit card or bank account numbers through our website.
• Communications: Records of correspondence you send us via email, phone, or contact forms, including the content of those communications.

Information Collected Automatically

• Log Data: IP address, browser type and version, operating system, referring URL, pages viewed, and timestamps of visits.
• Device Information: Type of device used to access our website, screen resolution, and related technical data.
• Cookie Data: Information collected via cookies and similar tracking technologies as described in Section 3.

We use the information we collect for the following purposes:

• To respond to your insurance quote requests and provide personalized coverage recommendations.
• To communicate with you regarding your inquiry, policy options, and follow-up questions.
• To process and manage insurance applications and policy documentation.
• To send appointment confirmations, policy updates, and service-related notifications.
• To improve our website functionality, content, and user experience.
• To comply with applicable federal and Michigan state insurance regulations and legal obligations.
• To detect, prevent, and investigate fraudulent or unauthorized activities.
• To send marketing communications to individuals who have opted in to receive them.
• To conduct internal business analytics and service quality assessments.

Our website uses cookies and similar tracking technologies to enhance your browsing experience and gather analytical data.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including form submissions and page navigation. These cannot be disabled without affecting site performance.
• Analytics Cookies: Used to collect aggregated data about how visitors interact with our website. This information helps us improve site structure and content.
• Preference Cookies: Store your preferences such as language settings and previously viewed content to improve your experience on return visits.

Managing Cookies

You may control cookie settings through your browser preferences. Most browsers allow you to block or delete cookies. Please note that disabling certain cookies may impact the functionality of our website. Refer to your browser's help documentation for specific instructions on managing cookies.

When you provide your email address or phone number through our website or by contacting our office, you consent to receiving communications related to your insurance inquiry. These communications may include:

• Responses to quote requests and inquiries.
• Policy documentation and coverage confirmations.
• Follow-up communications from our licensed agents.
• Appointment reminders and service updates.

All email communications are sent to and from president@georgealmalikyinc.com. We do not sell or rent your contact information to third parties for marketing purposes. You may opt out of non-essential communications at any time by contacting us directly.

We may send periodic marketing communications to individuals who have expressly consented to receive them. These may include newsletters, insurance tips, seasonal reminders to review coverage, and promotional announcements.

You may opt out of marketing communications at any time by:

• Clicking the “unsubscribe” link in any marketing email.
• Calling our office at 313-853-5454.
• Emailing us at president@georgealmalikyinc.com with “Unsubscribe” in the subject line.

Opting out of marketing communications will not affect your receipt of service-related or transactional communications.

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Quote Request Data: Retained for a minimum of 3 years following initial contact, or longer if required for insurance regulatory compliance.
• Active Policy Records: Retained for the duration of the policy and for a minimum of 7 years following policy termination, in accordance with Michigan insurance recordkeeping requirements.
• Communication Records: Retained for a minimum of 3 years unless otherwise required by law.
• Website Analytics Data: Retained in aggregated, anonymized form for up to 24 months.

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data disposal procedures.

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure HTTPS encryption for all web-based data transmission.
• Access controls limiting employee access to personal information on a need-to-know basis.
• Secure storage of physical and digital records containing client information.
• Regular review of our security practices and procedures.

While we take reasonable precautions, no method of data transmission over the internet is 100% secure. We cannot guarantee the absolute security of information transmitted through our website.

We may share your personal information with trusted third-party service providers who assist us in operating our website, conducting our business, and servicing you — provided those parties agree to keep this information confidential and use it solely for the purposes for which it was disclosed. These providers may include:

• Insurance carriers to whom we submit applications on your behalf.
• Website hosting and technology service providers.
• Email communication platforms used to deliver correspondence.
• Analytics service providers who help us understand website usage.

We do not sell, trade, or rent your personal information to third parties for their independent marketing purposes.

We will not disclose your personal information to third parties except in the following circumstances:

• With Your Consent: When you have given us explicit permission to share your information.
• Service Providers: With vendors and partners who provide services on our behalf, subject to confidentiality obligations.
• Legal Requirements: When required by law, court order, subpoena, or government regulation.
• Business Transfers: In connection with a merger, acquisition, or sale of all or substantially all of our assets, provided the acquiring entity agrees to honor this Privacy Policy.
• Protection of Rights: When disclosure is necessary to protect the rights, property, or safety of our company, clients, or the public.

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal information we hold about you.
• Right to Correction: You may request that we correct inaccurate or incomplete personal information.
• Right to Deletion: You may request deletion of your personal information, subject to legal and regulatory retention requirements.
• Right to Opt-Out: You may opt out of marketing communications at any time.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please contact us at president@georgealmalikyinc.com or call 313-853-5454. We will respond to verifiable requests within 30 days.

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information. In addition to the rights described in Section 10, California residents have the right to:

• Know what categories of personal information we have collected about you in the past 12 months.
• Know the categories of sources from which personal information was collected.
• Know the business or commercial purpose for collecting personal information.
• Know the categories of third parties with whom we share personal information.
• Request deletion of personal information collected from you, subject to certain exceptions.
• Opt out of the sale of personal information. We do not sell personal information.

To submit a CCPA request, contact us at president@georgealmalikyinc.com. We will verify your identity before processing any request.

We operate in compliance with applicable Michigan state insurance regulations and federal privacy laws, including but not limited to:

• The Michigan Insurance Code (MCL Chapter 500).
• The Gramm-Leach-Bliley Act (GLBA) and its implementing regulations regarding financial privacy.
• The Federal Trade Commission Act (FTC Act) regarding unfair or deceptive practices.
• The CAN-SPAM Act governing commercial email communications.
• The Telephone Consumer Protection Act (TCPA) governing phone and SMS communications.

As a licensed insurance agency (NAICS 524210), we adhere to all recordkeeping, disclosure, and privacy requirements imposed by the Michigan Department of Insurance and Financial Services (DIFS).

We may use your personal information to detect, investigate, and prevent fraudulent transactions, identity theft, and other illegal activities. This may include sharing information with law enforcement agencies, regulatory bodies, or other organizations when we have a good-faith belief that disclosure is necessary to prevent or report suspected fraud, abuse, or illegal conduct.

Our website and services are not directed toward individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal information from a minor, we will take prompt steps to delete that information. If you believe we may have collected information from a minor, please contact us immediately at president@georgealmalikyinc.com.

We use web analytics tools to collect aggregated, non-personally identifiable information about how visitors use our website. This data helps us understand traffic patterns, improve site content, and optimize user experience. Analytics data is collected in a manner that does not identify individual users and is used solely for internal business improvement purposes.

We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to comply with a judicial proceeding, court order, subpoena, or other legal process. We may also disclose personal information when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

This Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor does it create any obligations on our part beyond those required by applicable law.

We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting to our website. The effective date at the top of this page will be updated to reflect the date of the most recent revision. We encourage you to review this Privacy Policy periodically. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: