Privacy Policy

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NOTICE OF PRIVACY PRACTICES

Dear Valued Clients,

Ramey Insurance Agency, Inc. (“Ramey Insurance,” “we,” “us,” or “our”) appreciates the trust you place in our agency. This Notice of Privacy Practices is provided to inform you of our policies and practices regarding the collection, use, safeguarding, and disclosure of your personal and insurance-related information.

Scope and Applicability

Ramey Insurance Agency, Inc. owns and operates the websites rameyinsuranceagency.com and rameyinsurance.net, and provides related insurance brokerage and advisory services. This Privacy Policy describes how we collect, use, and disclose personal and nonpublic personally identifiable information (“Nonpublic Personal Information”) in connection with those services.

Compliance with Privacy Laws

Ramey Insurance Agency, Inc. complies with all applicable federal and state privacy laws and regulations governing the collection, use, and disclosure of Nonpublic Personal Information, including but not limited to the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy statutes.

In the ordinary course of business, we collect information necessary to evaluate risks, market insurance products, place coverage, service policies, and assist with claims.

Information We Collect

We may collect Nonpublic Personal Information from the following sources:

• Information provided by you on insurance applications, questionnaires, or other forms
• Information regarding your transactions with us, our affiliates, insurers, or other parties
• Information obtained from consumer reporting agencies or other lawful public or insurance-related sources

Information We May Disclose

The types of Nonpublic Personal Information we may disclose include, but are not limited to:

• Information you provide on applications or other forms, such as your name, address, Social Security number, assets, income, and beneficiary information
• Information regarding your insurance transactions, including policy coverage, premiums, and payment history
• Information received from consumer reporting agencies regarding creditworthiness or credit history

We disclose Nonpublic Personal Information only as permitted by law and solely to parties within the insurance and financial services industry who are subject to comparable confidentiality and data-protection obligations.

Use of Information and Safeguards

Your Nonpublic Personal Information is used exclusively for purposes necessary to underwrite, issue, service, and administer insurance policies, and to handle claims or related activities.

Access to such information is limited to employees and authorized representatives who require it to perform their duties. We maintain physical, electronic, and administrative safeguards that comply with federal and state regulations to protect your information. These safeguards include secure systems, firewalls, access controls, and monitoring protocols designed to prevent unauthorized access, disclosure, or misuse.

Electronic Services and DocuSign

Ramey Insurance Agency utilizes DocuSign as its electronic signature and document delivery platform. DocuSign complies with all applicable federal laws governing electronic records and signatures, including the Electronic Signatures in Global and National Commerce Act (ESIGN Act). Use of electronic services is intended to provide secure, efficient, and legally binding document execution.

Use of Artificial Intelligence Technology

Ramey Insurance Agency may utilize artificial intelligence (AI) tools to assist with administrative functions, document processing, and operational efficiency. AI technology is used solely to support internal processes and client service functions. All information processed remains subject to the same privacy, confidentiality, and security protections described in this Privacy Policy.

Joint Marketing and Third-Party Disclosures

As permitted by law, Ramey Insurance Agency may engage in joint marketing arrangements with financial service providers to offer products and services that may be of value to you.

We may disclose Nonpublic Personal Information to:

• Financial service providers, including insurance carriers, mortgage lenders, securities broker-dealers, and other insurance professionals
• Non-financial companies, such as service providers, direct marketers, or other entities engaged in lawful business activities
• Other entities, including nonprofit organizations, as permitted by law

Additionally, we may share information with companies that perform services on our behalf or with financial institutions with whom we have joint marketing agreements. All such third parties are contractually obligated to maintain the confidentiality of your information and to comply with applicable privacy laws.

If you establish a relationship with one of these entities, you will receive their applicable privacy disclosures.

Right to Opt Out

You have the right to limit certain disclosures of your Nonpublic Personal Information to nonaffiliated third parties, except where disclosure is permitted or required by law. To exercise your right to opt out, please contact us at:

Toll-Free: (866) 726-3930

Contact Information

If you have any questions regarding this Privacy Policy or our privacy practices, please contact:

Ramey Insurance Agency, Inc.

Drake Short - Website Admin

📞 (618) 932-2730 ext. 1002

📧 dshort@rameyinsurance.net

We value your business and appreciate the opportunity to continue serving your insurance and risk management needs.

Sincerely,

Ramey Insurance Agency, Inc.