Privacy Policy

1. Who We Are

Olive Insurance Services, LLC dba Olive Cover (NPN 22116940) is an independent property and casualty insurance agency licensed in the State of Georgia, with its home office in Johns Creek, GA. Throughout this policy, "we," "us," and "our" refer to Olive Insurance Services, LLC. We are the data controller responsible for the personal information described below.

This policy applies to information we collect through this website. It does not govern the separate privacy practices of the insurance carriers we work with, each of which maintains its own privacy notice.

2. Information We Collect

We collect information you voluntarily provide when you:

• Submit a contact form, coverage review request, or dec page audit request
• Call or email us directly
• Book a consultation
• Request an insurance quote

This information may include your name, email address, phone number, mailing address, and information about your current insurance coverage. We also collect standard technical data automatically, such as IP address, browser type, and pages visited, through server logs and analytics tools.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and service requests
• Prepare and deliver insurance quotes and coverage recommendations
• Communicate with you about your policy, renewals, and related matters
• Improve our website and services
• Comply with legal and regulatory obligations

We do not use your personal information for automated decision-making or profiling for purposes other than the insurance services you request.

4. Legal Basis for Processing (Where Applicable)

Most of our clients are located in Georgia and the United States, where data processing is governed by applicable state and federal law. Where a privacy law that requires a stated legal basis applies to you, we process your personal information on the following grounds:

• Consent: when you voluntarily submit a form, request a quote, or contact us.
• Performance of a contract: to prepare quotes, place coverage, and service your policy at your request.
• Legal obligation: to comply with insurance regulations, recordkeeping rules, and lawful requests.
• Legitimate interests: to operate, secure, and improve our website and respond to your inquiries, balanced against your privacy rights.

5. Sharing Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information with:

• Insurance carriers, when necessary to obtain quotes or bind coverage on your behalf
• Service providers who assist us in operating our website and business (e.g., email delivery, CRM), under confidentiality agreements
• Regulatory authorities, as required by law or to respond to lawful requests

Any carrier receiving your information for quoting purposes is bound by its own privacy practices and applicable insurance regulations.

6. Cookies and Tracking

Our website uses only essential, functional cookies needed to operate the site and keep it secure. These may include:

• Strictly necessary cookies (session management, security)
• Functional cookies that remember basic preferences so the site works as intended

We do not use advertising cookies or third-party tracking cookies, and we do not sell your personal information. You may disable cookies in your browser settings, though some site features may not function properly without them.

7. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. Our website uses HTTPS encryption. However, no method of internet transmission is 100% secure; we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, or as required by law. For active client relationships, we retain records as required by Georgia insurance regulations and our own business records requirements.

9. Your Rights

Depending on applicable law, you may have the right to request access to, correction of, or deletion of your personal information. To make such a request, contact us using the information below.

10. State-Specific Privacy Rights

As a Georgia-licensed insurance agency, we handle personal information in accordance with the Georgia Insurance Information and Privacy Protection Act (O.C.G.A. Title 33, Chapter 39). Under that law, you may have the right to request access to recorded personal information we hold about you and to request correction, amendment, or deletion of inaccurate information. To exercise these rights, contact us using the information below.

11. Federal Privacy Notice (GLBA)

As a provider of financial products, we are subject to the federal Gramm-Leach-Bliley Act (GLBA), which governs the privacy of consumers' nonpublic personal financial information. We collect this information only as needed to provide the insurance services you request, we limit access to it to those who need it to serve you, and we maintain physical, electronic, and procedural safeguards to protect it. We do not disclose nonpublic personal information about you to nonaffiliated third parties except as permitted by law.

12. Children's Privacy

Our website is not directed to children under 13. We do not knowingly collect personal information from children. If you believe we have received information from a child, please contact us to request its deletion.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page with an updated effective date. Continued use of our website after a change constitutes acceptance of the updated policy.

14. Contact Us

For questions about this Privacy Policy or your personal information, contact:

Olive Insurance Services, LLC dba Olive Cover
6470 East Johns Crossing, Suite 160
Johns Creek, GA 30097
678-888-1011
[email protected]