Privacy Policy

1. Introduction

Welcome to Nivel Insurance Brokerage, Inc. ("Nivel," "we," "us" or "our"). We respect your privacy and are committed to protecting the personal information you share with us on our website at nivelrisk.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, and with whom we may share it. By accessing or using our Site, you agree to the terms of this Privacy Policy.

2. Information We Collect

2.1 Information You Provide Directly

Contact Data: When you submit a contact or demo request form, you may provide your name, company name, email address, phone number, job title, and other information.

Insurance Documents: We collect documents you upload for insurance applications, including driver's licenses, TLC licenses, vehicle registrations, title information, and insurance certificates. These documents contain sensitive personal information and are handled in accordance with strict security protocols. All documents are encrypted in transit and at rest, and are stored securely on Amazon Web Services (AWS) infrastructure in the United States. Documents are shared with insurance carriers and underwriters as necessary to process your insurance application and obtain quotes.

Application Data: We collect information provided in or extracted from uploaded documents, such as license numbers, vehicle identification numbers (VIN), and insurance loss history. This information is extracted using automated systems (AI/ML) and reviewed by licensed brokers before submission to insurance carriers.

Communications Content: Any messages or questions sent via email or contact forms.

2.2 Information Collected Automatically

Usage Data: We log IP addresses, browser types, operating systems, referring URLs, and timestamps.

Cookies & Tracking: We use cookies and local storage to recognize your browser and remember preferences.

Automated Processing (AI/LLM Disclosure): We use artificial intelligence and machine learning systems to extract information from documents you upload. This extracted information is reviewed by licensed brokers before submission to insurance carriers.

2.3 Information from Third Parties

Analytics Providers: We receive data from Google Analytics to improve the Site.

Marketing Partners: We may receive registration details from cloud marketing platforms for newsletters or webinars.

3. How We Use Your Information

• Insurance Application Processing: To process your insurance applications, submit information to insurance carriers, and facilitate policy placement.
• Document Extraction: To use automated systems to extract information from uploaded documents for efficient application processing.
• Communication: To send administrative messages, updates, marketing materials, and security alerts.
• Analytics & Performance: To monitor Site performance and understand user behavior.
• Legal & Safety: To enforce our Terms of Use and comply with legal obligations.

4. Cookies and Similar Technologies

We use cookies and tracking pixels to personalize your experience, measure performance, and retain your preferences. You may adjust your browser to refuse cookies, though some features may be affected.

5. Sharing of Information

We do not sell your personal information. We may share your information with:

• Insurance Carriers: We share your personal information, driving history, and uploaded documents with insurance carriers and underwriters to obtain quotes and bind coverage.
• Service Providers: Third-party vendors performing hosting, analytics, and email services.
• Legal Requirements: Government authorities when required by law to protect our rights or safety.
• Business Transfers: In connection with a merger or sale of assets.

6. Your Choices and Rights

You may request access to or correction of your personal information, opt out of marketing emails, or control cookies via your browser settings.

7. International Transfers

Nivel is based in the United States. Information accessed from outside the U.S. may be transferred to and processed on our U.S.-based servers.

8. Third-Party Links

Our Site may link to third-party websites. This Privacy Policy does not apply to those external sites.

9. Children's Privacy

The Site is intended for adults. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such data, please contact us for deletion.

10. Security

We implement technical and organizational measures to protect your information. Documents are encrypted in transit using TLS and at rest using AES-256 encryption. All documents are stored on Amazon Web Services (AWS) infrastructure in the United States. However, no system is 100% secure.

11. Data Retention

We retain your personal information and insurance documents for 7 years from the date of collection or as long as necessary to fulfill the purposes for which they were collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. After this period, we will securely delete or anonymize your information in accordance with our data retention policies.

12. Insurance Information

As an insurance broker, we collect and process sensitive personal information to facilitate insurance transactions. This includes driver's licenses, vehicle registrations, and TLC licensing information. This data is shared with insurance carriers to obtain quotes. Please note that insurance carriers have their own privacy policies governing their use of your information once it is submitted to them.

13. Contact Us

For questions regarding this policy or our data practices, please contact:

Email: wilson@nivelrisk.com
Address: 35 Maryetta Ct., Syosset, NY 11791