Privacy Policy

Last updated: September 30, 2025

1. Introduction

Welcome to Winter Garden Insurance Company (the “Company,” “we,” “us,” or “our”). This Privacy Policy describes how we collect, use, share, and protect the personal information you provide to us via our website (https://www.wintergardeninsurancecompany.com) or other channels, especially in connection with requesting insurance quotes. By using our site or submitting information, you consent to the practices described herein.

2. What Information We Collect

We may collect the following categories of personal information from you:

Contact information: name, address, email address, telephone number (including mobile)
Identifying information: driver’s license number, date of birth, Social Security number (when required), or other government-issued identifiers
Property and vehicle details: vehicle make, model, year, VIN, home address, property type, construction details, etc.
Insurance history: prior claims, coverage history, policy details
Payment and financial data: bank account, credit card or billing information (if needed)
Communications and preferences: your preferred method of contact, marketing opt-ins, records of your interactions with us
Technical & usage data: IP address, browser type, device identifiers, cookies, usage statistics, etc.

We collect this information:

Directly from you (e.g. when you fill out a quote form, apply for coverage, call us, send us emails or texts)
Automatically through your use of our website (e.g. via cookies, web analytics)
From third parties (e.g. credit reporting agencies, motor vehicle records, public databases, insurance partners)

3. How We Use Your Information

We will use the personal information we collect for the following purposes:

To provide, underwrite, and service insurance: generate, present, and administer insurance quotes, process applications, issue policies, handle claims
To share with insurance companies, carriers, or relevant underwriters so they may evaluate risk and offer terms
To communicate with you via email, phone calls, and text messages regarding your quotes, policies, renewals, claims, service updates, or marketing offers
To verify your identity, screen for fraud, perform credit or background checks (if authorized)
To maintain records, auditing, compliance, and internal reporting
To monitor, analyze, and improve our website, services, and marketing
To comply with legal, regulatory, or contractual obligations
To send you promotional materials, newsletters, or other marketing communications (unless you opt out)

4. Sharing & Disclosure of Your Information

We may share your personal information in the following situations:

With insurance companies, carriers, underwriters, reinsurers, agents, or brokers who are evaluating your quote or policy
With service providers, vendors, or contractors who assist us (e.g., IT providers, analytics services, call centers) under confidentiality obligations
With third parties when required by law, regulation, or court order
To protect our rights, property, or legal interests or in response to legal processes
In aggregated or de-identified form (where individual identity is removed)

If we share data with nonaffiliated third parties for marketing purposes, we will provide you with the opportunity to opt out.

5. Communications (Email, Phone, Text)

By submitting your contact information:

You agree that we may contact you via email, telephone (including automated dialing or prerecorded messages), and/or text messages related to your insurance quotes, policies, claims, and marketing.
You may opt out of marketing communications at any time via the unsubscribe mechanism in emails, by replying “STOP” to texts (if applicable), or contacting us directly.
Even if you opt out of marketing, we may still send you non-marketing, transactional, or service-related communications (e.g. policy notices, claim status) as permitted by law.

6. Cookies & Tracking Technologies

We and our service providers may use cookies, web beacons, pixels, and similar technologies to collect technical and usage data about your visits to our site (such as pages visited, time spent, actions taken). This helps us:

Remember your preferences
Improve site performance
Analyze trends and usage
Deliver relevant content or advertising

You may disable cookies in your browser settings, but note that certain parts of the website may not function properly if cookies are blocked.

7. Data Security & Retention

We implement reasonable administrative, technical, and physical safeguards to protect against unauthorized access, use, alteration, or disclosure of your personal information.
Access to your information is restricted to employees, agents, or service providers with a legitimate need to know.
We retain your personal information only as long as necessary to fulfill the purposes set out herein, or as required by law, regulatory requirements, or our business needs.

8. Your Choices & Rights

You may update or correct your personal information by contacting us directly.
You may opt out of receiving marketing emails or text messages (see Section 5).
Where required by law, you may request access to, deletion of, or restriction of processing of certain personal information.
You may also have rights under local privacy laws (if applicable), such as to object to processing, request portability, or lodge a complaint with a supervisory authority.

9. Children & Minors

Our services are intended for users who are at least 18 years old. We do not knowingly collect or solicit personal information from children under 13. If we become aware that personal data of a child under 13 has been collected, we will promptly delete it, unless otherwise required by law.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version on this website with a new “Last updated” date. We encourage you to review this page periodically. If any change materially affects your rights, we will provide notice (e.g. via email or website banner).

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact:

Winter Garden Insurance Company
1118 Brick Road
Winter Garden, FL 34787
Phone: 407-201-1946
Email: karen@wintergardeninsurancecompany.com