AMERICAN BUSINESS INSURANCE SERVICES, INC. PRIVACY POLICY

Last Updated: August 26, 2026 (Version 2.0)

American Business Insurance Services, Inc. (“ABI”, “we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (abiweb.com), apply for insurance, or utilize our services (collectively, the “Services”).

As an insurance producer and Managing General Agent (MGA), our data processing practices are designed to comply with the federal Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), the Fair Credit Reporting Act (FCRA), and other applicable state insurance privacy laws.

1. Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked with a particular consumer or household (“Personal Information”). Over the past 12 months, we have collected the following categories of Personal Information:

Identifiers: Name, alias, postal address, email address, telephone number, Social Security number, driver’s license number, or passport number.
Personal Records (Cal. Civ. Code § 1798.80): Insurance policy numbers, financial information, bank account details, and credit card numbers.
Protected Classifications: Age, gender, and marital status.
Commercial Information: Vehicle records, driving history, claims history, policies purchased, or insurance quotes obtained.
Internet/Electronic Network Activity: Browsing history, search history, and interactions with our website or digital advertisements.
Professional or Employment Information: Employment status, job title, and commercial driving logs/records (for commercial vehicle policies).

2. Sources of Information

We collect Personal Information from the following categories of sources:

Directly From You: Applications, forms, phone calls, and text entries submitted on our portal.
Third Parties: Consumer reporting agencies, insurance carriers, motor vehicle departments (MVRs), claims databases (such as CLUE), and background check providers.
Corporate Affiliates: Companies under common ownership or control of our mutual parent holding company, including INSHUR Inc.

3. How We Use Your Information

We use the collected information for the following commercial and business purposes:

To underwrite, quote, issue, maintain, and renew your insurance policies.
To process payments, premium financing, and financial transactions.
To service claims, process cancellations, and handle customer service inquiries.
To detect, prevent, and mitigate fraud, security incidents, or illegal activity.
To optimize and improve our website, platforms, and underwriting algorithms.
To market related insurance products and programs tailored to your risk profile.

4. How We Disclose and Share Your Information

We do not sell your personal information or share it with non-affiliated third parties for cross-context behavioral advertising. We disclose your information for valid business purposes to the following categories of recipients:

Insurance Carriers & Reinsurers: To bind, execute, and front your coverage (e.g., Incline Casualty Company, Incline Americas Insurance Company, Coaction).
Service Providers: Third-party vendors performing payment processing, IT hosting, fraud detection, and administrative services under strict confidentiality agreements.
Regulatory & Legal Authorities: To comply with state Department of Insurance (DOI) requests, subpoenas, or statutory reporting mandates.

4.1 Corporate Reorganizations, Book Transfers, & Affiliate Servicing Transfers

ABI reserve the right to share your Personal Information, application history, driving records, and transactional data with our corporate affiliates under common ownership and control, including INSHUR Inc. This sharing is conducted for operational efficiency, program administration, and policy continuation.

In the event that ABI undergoes an enterprise reorganization, restructures operational lines, or assigns/transfers a commercial insurance program, book of business, or policy expirations (including but not limited to Period X, Period Zero, and US Rides insurance frameworks) to an affiliated broker of record such as INSHUR Inc., your records will be transferred to that succeeding entity as an operational asset to execute continuous renewal solicitations, coverage binding, and servicing.

Operational Exception Notice: Transfers of policy profiles and expiration records to affiliates for the purpose of policy administration, re-marketing, and seamless renewal generation are conducted under standard business servicing exceptions (including GLBA and state insurance privacy exemptions) and do not constitute a “sale” or “sharing” of personal information under state privacy statutes.

5. Your State Privacy Rights

5.1 California Rights (CCPA/CPRA)

If you are a California resident, you have specific rights regarding your Personal Information, subject to certain exceptions (such as data covered under the federal GLBA or insurance-specific exemptions):

Right to Know/Access: You have the right to request a disclosure of what Personal Information we have collected, used, and shared over the past 12 months.
Right to Delete: You have the right to request the deletion of your Personal Information, subject to our statutory mandate to retain records for insurance tracking and compliance.
Right to Correct: You have the right to request that we correct inaccurate personal data.
Right to Opt-Out of Sale or Sharing: We do not sell your personal information. If we share your information with affiliates for secondary cross-contextual behavioral advertising, you have the right to opt out.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

5.2 Operational Transfers, Policy Non-Renewal, & FCRA Notice

Affiliate Transfer & Non-Renewal: Operational data transfers executed to transition policy records to our affiliate INSHUR Inc. for program servicing and automatic renewal quotes do not provide an inline opt-out link. However, if you do not wish to have your policy records transferred or renewed through INSHUR Inc., you may request policy non-renewal or record deletion (where permitted by legal retention mandates) by contacting Customer Support prior to your policy expiration date.

FCRA Notice: To the extent consumer credit scores, credit metrics, or motor vehicle report details are shared with affiliates for secondary risk evaluation or marketing purposes, consumers maintain rights under the Fair Credit Reporting Act (FCRA) to opt out of such non-servicing affiliate credit data sharing by submitting a request to our Privacy Office.

6. Data Security and Retention

We maintain robust administrative, technical, and physical safeguards designed to protect your Personal Information from unauthorized access, loss, or alteration. We retain your personal data and policy history only for as long as necessary to fulfill operational insurance purposes and comply with legal retention mandates.

7. Privacy Contact & Rights Requests

To inquire about affiliate transfers, request policy non-renewal, or exercise applicable state privacy rights, please contact ABI Legal & Compliance:

Email: privacy@abiweb.com
Address: American Business Insurance Services, Inc., Attn: Privacy Office, 150 Greenwich Street, New York, NY 10007