Privacy Policy

Knight Family Agency ("we," "us," or "our") is a licensed insurance agency located in Belding, Michigan. This Privacy Policy describes how we collect, use, and protect information you provide when using our website at knightfamilyagency.com. By using our website or submitting a quote request, you consent to the practices described in this policy.

1. Information We Collect

We collect information you voluntarily provide to us, including:

• Contact information (name, email address, phone number, mailing address)
• Date of birth and identification details needed to prepare insurance quotes
• Vehicle information (year, make, model, VIN) for auto insurance quotes
• Property information (address, home value, property type) for home insurance quotes
• Business information for commercial insurance quotes
• Other insurance details you provide through our quote request form

We may also automatically collect technical information such as your IP address, browser type, device type, and pages visited through standard web analytics tools (including Google Analytics/GA4).

2. How We Use Your Information

We use the information we collect to:

• Prepare and deliver insurance quotes on your behalf
• Contact you regarding your quote request or existing policies
• Submit your information to Farmers Insurance, Bristol West, Foremost Insurance, or other carriers for underwriting and rating purposes
• Respond to your questions or service requests
• Send informational and marketing communications (you may opt out at any time)
• Improve our website and measure its performance
• Comply with applicable laws and regulations

3. Sharing Your Information

We may share your personal information only in the following limited circumstances:

• Insurance Carriers: We share your information with Farmers Insurance, Bristol West, Foremost Insurance Group, and other carriers we work with solely for the purpose of obtaining quotes and binding coverage on your behalf. These carriers receive only the information necessary to underwrite and rate your policy.
• Service Providers: We may share information with carefully selected third-party vendors who assist us in operating our website, managing communications, or processing data strictly on our behalf. These vendors are bound by confidentiality agreements and are prohibited from using your information for any other purpose.
• Legal Requirements: We may disclose your information when required by law, court order, subpoena, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you of any such change via email or a prominent notice on our website.

We do not sell your personal information to third parties. We do not share your information with data brokers, lead aggregators, or marketing companies outside of the specific purposes described above.

4. Credit Information

Insurance carriers we work with may use your credit information as a factor in determining your insurance eligibility and premium rates, as permitted by Michigan law. By submitting a quote request, you authorize us and our carrier partners to obtain a credit report or insurance score for this purpose. This is an "insurance inquiry" and does not negatively impact your credit score.

5. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or destruction. Our quote form uses SSL/TLS encryption for data transmission. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Analytics

Our website uses cookies and similar technologies to improve your experience and measure website performance. We use Google Analytics (including GA4) to understand how visitors interact with our site. Google Analytics collects anonymized data about site traffic and usage. You can opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.

7. Your Rights and Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to legal retention requirements
• Opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails

To exercise any of these rights, contact us at office@knightfamilyagency.com or by calling (616) 317-3747.

8. Children's Privacy

Our website is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

9. Third-Party Links

Our website contains links to carrier websites (Farmers.com, BristolWest.com, Foremost.com) and other third-party sites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

10. 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 date. Your continued use of our website after any changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: