Last Updated: April 28, 2026
This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Service is intended for users located in the United States only. If you access this website from outside the United States, your information may be transferred to, stored, and processed in the United States where our servers are located.
Disclaimer: While we strive to protect your privacy and comply with all applicable laws, this Privacy Policy does not create any contractual or legal rights beyond those provided by law. We disclaim any liability for misuse of information by third parties or for any data breaches despite our reasonable efforts to secure data.
We review and update this Privacy Policy at least annually to reflect changes in our practices or applicable laws.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Privacy Policy:
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
When You use embedded tools such as EZLynx for insurance quotes, additional sensitive information may be collected to provide accurate quotes and is handled in compliance with applicable laws, including GLBA.
Usage Data is collected automatically when using the Service. Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
The Company allows You to create an account and log in to use the Service through the following Third-party Social Media Services: Google, Facebook, X (formerly Twitter).
If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal Data that is already associated with Your Third-Party Social Media Service's account, such as Your name, Your email address, Your activities or Your contact list associated with that account.
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service.
Cookies or Browser Cookies: A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.
Local Storage: Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service.
Web Beacons: Certain sections of our Service and our emails may contain small electronic files known as web beacons that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics.
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.
The Company may use Personal Data for the following purposes:
As a financial institution, We are subject to the Gramm-Leach-Bliley Act (GLBA). This notice describes how We collect, share, and protect your nonpublic personal information.
Information We Collect: We collect nonpublic personal information about you from applications, forms, transactions with us or others, and consumer reporting agencies.
Sharing Practices: We do not disclose nonpublic personal information about our customers or former customers to non-affiliated third parties, except as permitted by law, such as to service your account, respond to regulatory authorities, or with your consent. We may share information with affiliates for everyday business purposes.
Opt-Out: If We share information with non-affiliates for marketing, you can opt-out by contacting us at home@chandlerinsurancemn.com or (218) 326-4655. You have 30 days from receipt of this notice to opt out.
Security: We maintain physical, electronic, and procedural safeguards to protect your information, including encryption, access controls, and regular security audits.
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (including GLBA), resolve disputes, and enforce our legal agreements and policies. Our general retention policy is to keep insurance-related data for 7 years after policy expiration or as required by state law, and Usage Data for up to 2 years for analysis, unless longer retention is legally required.
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer. The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy.
Business Transactions: If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement: Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements: The Company may disclose Your Personal Data in the good faith belief that such action is necessary to: Comply with a legal obligation; Protect and defend the rights or property of the Company; Prevent or investigate possible wrongdoing in connection with the Service; Protect the personal safety of Users of the Service or the public; Protect against legal liability.
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
We may use third-party Service providers to monitor and analyze the use of our Service, such as Google Analytics.
We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send, or by contacting Us.
We may provide paid products and/or services within the Service. We use third-party services for payment processing. We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy.
We use EZLynx, provided by Applied Systems, for insurance quoting, rating, and agency management services embedded on our website. EZLynx processes personal information you provide for insurance quotes. For more information on how EZLynx and Applied Systems handle your data, please visit Applied Systems' Privacy Policy.
You have the right to opt out of the sale or sharing of Your Personal Data, targeted advertising, or profiling that produces legal or significant effects. To exercise these rights:
Note: Certain insurance data sharing is exempt under GLBA but not for non-insurance purposes.
This section applies to California residents under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA). We do not "sell" or "share" Your Personal Data as defined under CCPA/CPRA for purposes other than providing our services. However, if we use tracking technologies that may constitute sharing, You can opt-out via cookie settings or the methods above.
Your Rights under CCPA/CPRA: You have the right to Know what Personal Data we collect, use, disclose, sell, or share about You; Delete Your Personal Data; Correct inaccurate Personal Data; Opt-out of the sale or sharing of Your Personal Data; Limit the use and disclosure of sensitive Personal Data; Non-discrimination for exercising Your rights.
This section applies to Minnesota residents under the Minnesota Consumer Data Privacy Act (MCDPA), effective July 31, 2025. We comply with MCDPA by limiting data collection to what's necessary, obtaining consent for sensitive data, honoring universal opt-outs (e.g., GPC), and conducting data protection assessments for high-risk activities.
Your Rights under MCDPA: You have the right to Confirm whether we process Your Personal Data and access it; Correct inaccuracies in Your Personal Data; Delete Your Personal Data; Obtain a portable copy of Your Personal Data; Opt-out of processing for targeted advertising, sale of Personal Data, or profiling with legal or significant effects; Revoke consent for sensitive data processing.
We will respond within 45 days (extendable). Certain data may be exempt if covered by GLBA or other laws.
Although Our Service is intended for U.S. users, this section supplements the information for EU residents.
Legal Basis for Processing Personal Data under GDPR: We may process Personal Data under the following conditions: Consent; Performance of a contract; Legal obligations; Vital interests; Public interests; Legitimate interests.
Your Rights under the GDPR: You have the right to Request access to Your Personal Data; Request correction of the Personal Data that We hold about You; Object to processing of Your Personal Data; Request erasure of Your Personal Data; Request the transfer of Your Personal Data; Withdraw Your consent.
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page. We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact us:
By email: home@chandlerinsurancemn.com
By mail: 322 NE 5th St, Grand Rapids, MN 55744
By phone: (218) 326-4655