Privacy Policy
[Last Updated: February 7, 2025]
Introduction
J. Edward Knight & Co. (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website (“Site”), use our services, or interact with us in any other way. By using our Site, you agree to the terms of this Privacy Policy.
As a part of our normal operations J. Edward Knight & Co. collects, and in some cases, discloses information about you. We encourage you to read the following Privacy Statement that contains information about policies regarding the collection, use, disclosure, and protection of your information. If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send confidential correspondence through the postal service.
1. Information We Collect
What kind of customer information do we have, and where did we get it?
Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address, and Social Security number. We also keep information about your transactions with our affiliates, others, or us – for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources, including consumer reporting agencies and/or health care providers or reporting agencies such as the Medical Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports, and medical information.
Who collects this information?
In order to better serve your particular needs, the information noted above is collected by J. Edward Knight & Co., its agents, and other companies working on behalf of J. Edward Knight & Co.. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources, such as loss information reports, motor vehicle reports, and credit reports. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.
Who has access to this information?
In order to better serve your particular needs, our company, its employees, and certain companies working on our behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of J. Edward Knight & Co., its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy we have issued. In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.
Personal, Financial and Product Information:
We collect personally identifiable information in order to identify and register you as a customer. In addition, we collect personal, financial and product information in order to provide you with services for your particular needs. By learning about you, we can deliver more relevant protection and product offerings and thus offer you better insurance services and options. The information we collect will vary depending upon the function or processes you select or request. Depending upon the function, product or process you select (for example, quote, request for proposal, e-mail, purchase), you may be required to provide information such as:
Personal Information:
- Contact Information: Name, email address, phone number, mailing address.
- Account Information: Policy(ies) Type(s) & Number(s), and other information you provide when creating an account.
- Identifiable Information: Birthdate, Social Security Number, Driver’s License Number, accident/violation history, information about vehicle operators, lien/lease holders, vehicle information, etc.
- Payment Information: Credit card details, billing information (if applicable).
Non-Personal Information:
- Cookies and Tracking Data: IP address, browser type, device type, operating system, and other usage data.
- Usage Data: Information about how you interact with the Site, including pages visited, links clicked, and other user behavior.
We may collect this information through forms, cookies, analytics tools, or other methods of tracking user interactions.
2. How We Use Your Information
We use your personal information for the following purposes:
- Providing Services: To provide, personalize, and improve our services and the user experience on the Site to provide you with the response or service you have requested.
- Communication: To communicate with you, including sending updates, promotional offers, and other marketing materials (only if you’ve opted in). If you do not wish to receive such communications, you can write us, e-mail us or simply reply to any e-mails you receive from our employees informing us of your desire to be removed from our mailing lists.
- Transaction Processing: To process payments, fulfill orders, or respond to inquiries.
- Legal Compliance: To comply with legal obligations, resolve disputes, and enforce agreements.
3. Cookies and Tracking Technologies
We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Site. Cookies allow us to:
- Analyze Usage Patterns: Understand how you interact with our Site and improve functionality.
- Personalize Content: Provide targeted content, advertisements, or offers based on your preferences.
You can manage cookies through your browser settings, including blocking or deleting them, but this may affect your ability to use certain features on the Site.
For more information about how we use cookies, please refer to our [Cookie Policy] (if applicable).
4. Sharing Your Information
We may share your personal information in the following situations:
- With Service Providers: We may share your information with third-party service providers who assist us in operating our business, such as payment processors, email services, and hosting providers. These third parties are obligated to keep your information confidential.
- For Legal Compliance: We may share your information to comply with legal obligations, respond to subpoenas or court orders, protect our rights, or protect the safety of others.
- In Business Transfers: If we undergo a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
We do not sell, rent, or lease your personal information to third parties for marketing purposes without your explicit consent.
5. Data Retention
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.
6. Your Rights and Choices
Depending on your jurisdiction, you may have certain rights regarding your personal information, including:
- Access and Update: You have the right to request access to, correction, or deletion of your personal information.
- Opt-Out of Marketing Communications: You can opt-out of receiving marketing communications at any time by clicking the “unsubscribe” link in emails or replying “STOP” to SMS messages.
- Data Portability: You may request a copy of your personal data in a structured, commonly used, and machine-readable format.
- Withdraw Consent: You can withdraw your consent for data processing at any time (without affecting the lawfulness of processing based on consent before its withdrawal).
If you wish to exercise any of these rights, please contact us using details provided at the bottom of this notice.
7. Security
We use appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.
8. International Transfers
If you are located outside of [insert region/country], your information may be transferred to, and processed in, countries with different data protection laws. By using our Site, you consent to this transfer.
9. Children’s Privacy
Our Site is for insurance and financial products and services and is not intended for children under the age of 18. We offer insurance and financial products and services and thus do not market any products or services to children under the age of 18 or knowingly collect any information from children under the age of 18. If we become aware that information is or has been submitted by or collected from a child under the age of eighteen, we will destroy this information.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the “Effective Date” at the top of this policy will be updated accordingly. We encourage you to review this policy periodically to stay informed about how we are protecting your information.
Privacy Policy for Text/SMS Message Opt-In
Introduction: We are committed to protecting your privacy. This privacy policy explains how we collect, use, and share your personal information when you opt-in to receive text messages from us. By consenting to receive text messages, you agree to the terms outlined below.
1. What Information We Collect
We collect the following personal information when you opt-in to receive text messages:
- Your mobile phone number
- Optional: Additional contact details, such as your name or email address, if provided
2. How We Use Your Information
By opting in, you agree that we may use your mobile phone number to send you the following types of text messages:
- Promotional offers and updates
- Transactional messages related to your account or purchases
- Customer support or service notifications
- Any other content you explicitly agree to receive
3. Consent to Receive Text Messages
By opting in to our text message program, you explicitly consent to receiving text messages from us at the number you provide. You understand that consent is not a condition for purchasing any product or service.
4. Message Frequency
Depending on the program you opt into, you may receive text messages from us. You will receive messages at regular intervals, and the frequency will depend on the type of program or service you signed up for. You can opt-out at any time.
5. Opting Out
You have the right to withdraw your consent and opt-out from receiving text messages at any time. To opt-out:
- Reply with “STOP” to any text message you receive from us
- Follow the unsubscribe instructions provided in the message
After opting out, you will no longer receive marketing-related text messages, though we may still send you transactional or service-related messages.
6. Data Sharing and Disclosure
We do not sell, rent, or share your mobile number with third parties for their marketing purposes without your explicit consent. We may, however, share your information in the following situations:
- With service providers that help us send and manage text messages
- As required by law or legal process (e.g., subpoenas, court orders)
- To protect our rights, safety, and property, and those of our users
7. Security
We take reasonable measures to protect the personal information you provide from loss, misuse, and unauthorized access. However, no method of data transmission over the internet is entirely secure, and we cannot guarantee absolute security.
8. International Data Transfers
If you are located outside of the United States, please note that your personal information may be transferred to, and processed in, countries with different data protection laws than your home country. By consenting to receive text messages, you agree to this transfer.
Have Additional Questions Regarding Your Privacy?
Contact our offices at:
J. Edward Knight & Co.157 Townsend Avenue
Boothbay Harbor, ME 04538
Office Hours: M-F 8am-4:30pm
Tel: (207) 633-4423
Toll Free: (800) 898-4423
Fax: (207) 633-7151
After Hrs Claims: (207) 380-0009
Email: Send Email