(734) 213-6736​

Privacy Policy

Effective Date: January 1st, 2022
 
Last Reviewed: August 1st, 2022
 
If you have any questions or comments about this notice, the ways in which Company collects and uses your information described below, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
 
Company: Heidi Kussurelis
 
Website: https://www.heidikinsurance.com
 
Email: heidi@heidikinsurance.com
 
Postal Address: 2405 S Main St Ann Arbor, MI 48103, United States of America
 
Phone: (734) 213 – 6736
 

1. Introduction

 
Our Company (or “We”) respects your privacy and is committed to protecting it through our compliance with this policy.
 
This policy describes the types of information we may collect from you or that you may provide when you visit our website and our practices for collecting, using, maintaining, protecting, and disclosing that information.
 
This policy applies to information we collect:
 
On this Website:
· In email, text, and other electronic messages between you and this Website.
 
· Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
 
· When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
 
Any other sources:
It does not apply to information collected by:
 
· Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
 
· Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
 
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

 

2. Children Under the Age of 13

 
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at our website.
 
California residents under 13 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information.
 

3. Information We Collect About You and How We Collect It

 
We collect several types of information from and about users of our Website, including information:
 
· By which you may be personally identified, such as name, postal address, e-mail address, telephone number, social security number or other similar i nformation (“personal information”);
 
· That is about you but individually does not identify you; and
 
· About your internet connection, the equipment you use to access our Website, and usage details.
 
We collect this information:
 
Directly from you when you provide it to us.
· Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
 
· From third parties, for example, our business partners.
 

4. Information You Provide to Us

 
The information we collect on or through our Website may include:
 
· Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
 
· Records and copies of your correspondence (including email addresses), if you contact us.
 
· Your responses to surveys that we might ask you to complete for research purposes.
 
· Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
 
Your search queries on the Website.
You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.
 

5. Information We Collect Through Automatic Data Collection Technologies

 
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
 
· Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
 
· Information about your computer and internet connection, including your IP address, operating system, and browser type.
 
We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Please see our Website for information on how you can opt-out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.
 
The information we collect automatically includes personal information we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver better and more personalized service, including by enabling us to:
 
Estimate our audience size and usage patterns.
· Store information about your preferences, allowing us to customize our Website according to your individual interests.
 
Speed up your searches.
Recognize you when you return to our Website.
The technologies we use for this automatic data collection may include:
 
· Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
 
· Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
 
· Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
 
· Google Analytics. Our website uses a tool called Google Analytics, which collects user information regarding the activities that users engage in while on the website. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics to improve this site and our outreach efforts. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.
 
· Google Ads & Remarketing. We use a tool called “Google Ads” to collect information about the use of this site and use this information to serve you more relevant advertisements (“Retargeting”). Google and other third parties may show these advertisements on other websites that you visit or services you use. These ads shown on other web sites are based on your past visits to this site by using cookies. You may opt-out of Google’s use of cookies by visiting Google’s Ads Settings page.
 
· Facebook Tracking Pixel. We may use the “conversion tracking pixel” provided by Facebook to record the efficacy of Facebook’s advertisements and for additional market research purposes. This tool allows us to gather information about your activity after you are redirected to the website after clicking on an advertisement on Facebook. Facebook or its partners may use a cookie to facilitate the display of advertisements. Facebook may save and process this data and connect it to your account in accordance with Facebook’s Data Policy.
 
· Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with the website, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third-party service provider, is active only while you are connected to our site, and is deactivated or deleted thereafter.
 
We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.
 

6. Third-Party Use of Cookies and Other Tracking Technologies

 
Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
 
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt-out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.
 

7. How We Use Your Information

 
We use information that we collect about you or that you provide to us, including any personal information:
 
To present our Website and its contents to you.
· To provide you with information, products, or services that you request from us.
 
· To fulfill any other purpose for which you provide it.
 
· To communicate with you about your order, purchase, account, or subscription.
 
· To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
 
· To notify you about important changes to our Website or any products or services we offer or provide though it.
 
· To operate, maintain, improve, personalize, and analyze the products or services we offer or provide;
 
· To monitor and analyze trends, usage, and activities for marketing or advertising purposes;
 
· To detect, prevent, or investigate security breaches, fraud, and other unauthorized or illegal activity;
 
· To allow you to participate in interactive features on our Website.
 
· Send promotional communications, such as information about features, newsletters, offers, promotions, contests, and events;
 
· Share information across the Company’s products and devices to provide a more tailored and consistent experience on all Company products you use;
 
· Develop, test and improve new products or services, including by conducting surveys and research, and testing and troubleshooting new products and features;
 
· In any other way, we may describe when you provide the information.
 
For any other purpose with your consent.
We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you. For more information, see Choices About How We Use and Disclose Your Information.
 
We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
 
We do not sell, rent or lease our customer lists to the third party.
 

8. Disclosure of Your Information

 
We may disclose aggregated or anonymized information about our users without any restrictions. We will not share your personal information that we collect or you provide as described in this Policy except in the following circumstances:
 
· With subsidiaries and affiliates for business purposes. To our subsidiaries and affiliated companies for purposes of management and analysis, decision-making, and other business purposes.
 
· When we work with service providers. To service providers, contractors, and other third parties that provide us with support services, such as credit card processing, website hosting, email and postal delivery, location mapping, product and service delivery, or analytics services, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
 
· When we become involved in a sale or transfer of the Company. If we become involved with a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets (whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding), to business entities or people involved in the negotiation or transfer.
 
· When we are required by law. To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
 
· When we enforce our rights. To enforce or apply this Policy, our Terms of Use, and other agreements, including for billing and collection purposes.
 
· To help protect lawful interests. If we believe disclosure will help us protect the rights, property, or safety of the Company, our users, partners, agents, and others. This includes exchanging information with other companies and organizations for fraud protection, and spam and malware prevention.
 
· To fulfill the purpose for that information or with your consent . To fulfill the purpose for which you provide the information, for any other purpose disclosed by us when you provide the information, or with your consent.
 
· When we work with marketing service providers. To marketing service providers to assess, develop, and provide you with promotions and special offers that may interest you, administer contests, sweepstakes, and events, or for other promotional purposes.
 
· When we work with business partners. To third parties whom we have strategic marketing alliances or partnerships with for the purpose of providing you information regarding products and services that we think will be of interest to you.
 
Any other types of third-party disclosures.
Information that you post on or through the public areas of the Services (e.g., chat rooms, bulletin boards, and discussion groups) are generally accessible to, and may be collected and used by, others and may result in unsolicited messages or other contact from others. Users of the Services are encouraged to exercise caution when providing personal information about themselves in public or interactive areas.
 
“Do Not Track” is a privacy preference you can set in most web browsers. When you turn on this preference, it sends a signal or message to the websites you visit indicating that you do not wish to be tracked. Please note that we currently do not respond to Do Not Track browser settings.

 

9. Choices About How We Use and Disclose Your Information

 
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
 
· Cookies & Other Tracking Technologies. You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser. Each browser is different, but many common browsers have preferences that may be adjusted to allow you to either accept or reject cookies and certain other technologies before they are set or installed, or allow you to remove or reject the use or installation of certain technologies altogether. We recommend that you refer to the Help menu in your browser to learn how to modify your browser settings. Please note that you cannot remove Flash cookies simply by changing your browser settings. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of the Services may become inaccessible or may not function properly.
 
· Promotional Communications from the Company. If you do not wish to have your contact information used by the Company to promote our own or third-party products or services, you can opt-out by (i) informing us of your preference at the time you register for an account, complete an order form, sign up for our newsletter, or complete any other form on or through the Services which we collect your data; (ii) modifying your user preferences in your account profile by checking or unchecking the relevant boxes; (iii) following the opt-out instructions in the promotional emails we send you; or (iv) sending us an email stating your request. Please note that if you opt-out of receiving promotional communications from us, we may still send you transactional communications, including emails about your account or purchases.
 
· Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by (i) informing us of your preference at the time you register for an account, complete an order form, sign up for our newsletter, or complete any other form on or through the Services which we collect your data; (ii) modifying your user preferences in your account profile by checking or unchecking the relevant boxes; (iii) following the opt-out instructions in the promotional emails we send you; or (iv) sending us an email stating your request.
 
· Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by modifying your user preferences in your account profile by checking or unchecking the relevant boxes or sending us an email stating your request. We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. Many advertising companies that collect information for interest-based advertising are members of the Digital Advertising Alliance or the Network Advertising Initiative, both of which maintain websites where people can opt-out of interest-based advertising from their members. To opt-out on these pages, visit www.AboutAds.info and www.networkadvertising.org.
 
· Location Information. You may be able to adjust the settings of your device so that information about your physical location is not sent to us or third parties by (a) disabling location services within the device settings; or (b) denying certain websites or mobile applications permission to access location information by changing the relevant preferences and permissions in your mobile device or browser settings. Please note that your location may be derived from your WiFi, Bluetooth, and other device settings. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or your device manufacturer.
 
· Voice Transmissions. You may be able to adjust the settings of your device so that your voice transmissions cannot be sent to us or third parties by (a) disabling microphone and speech recognition services within the device settings; or (b) denying certain websites or mobile applications permission to access microphone and speech recognition services by changing the relevant preferences and permissions in your mobile device or browser settings.
 
We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt-out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.
 
California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.
 

10. Your California Privacy Rights

 
Under California Civil Code sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of personal customer information which we share with our affiliates and third parties for marketing purposes, and providing contact information for such affiliates and third parties. If you are a California resident and would like a copy of this notice, please submit a written request to the address listed at the top of this page.
 
We will make every effort to promptly respond to your request.
 
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, please review our CCPA Privacy Notice for California Residents.
 

11. Transfer of Information to the United States

 
Our site is operated in the United States and intended for users located in the United States. If you are located outside of the United States, please be aware that information we collect, including Personal Information, will be transferred to, processed, stored and used in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be shared with third parties for direct marketing purposes and may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using our site or providing us with any information, you consent to the transfer to, and processing, usage, sharing and storage of your information, including Personal Information, in the United States as set forth in this Privacy Policy.
 

12. Data Security

 
We take reasonable precautions to secure your personal information. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be.
 
The safety and security of your information also depend on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.
 
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
 

13. Changes to Our Privacy Policy

 
It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.
 

14. Terms of Use

 
If you choose to visit the Services, your visit and any dispute over privacy is subject to this Policy and our Terms of Use, including limitations on damages, resolution of disputes, and application of the governing law.
 
 
This Privacy Notice for California Residents supplements the information contained in Company’s Privacy Policy (see above) and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.
 
Where noted in this Notice, the CCPA temporarily exempts personal information reflecting a written or verbal business-to-business communication (“B2B personal information”) from some of its requirements.
 

1. Information We Collect

 
Our Website collects information that identifies, relates to, describes, references is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:
 
· Publicly available information from government records.
 
Deidentified or aggregated consumer information.
· Information excluded from the CCPA’s scope, like:
 
· health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
 
· personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
 
In particular, our Website has collected the following categories of personal information from its consumers within the last twelve (12) months:
 
Category
 
Examples
 
Collected
 
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. YES
 
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories. NO
 
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). NO
 
D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. NO
 
E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO
 
F. Internet or other similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. NO
 
G. Geolocation data. Physical location or movements. YES
 
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. NO
 
I. Professional or employment-related information. Current or past job history or performance evaluations. NO
 
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO
 
K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. NO
 
Our Website obtains the categories of personal information listed above from the following categories of sources:
· Directly from you. For example, from forms you complete or products and services you purchase.
· Indirectly from you. For example, from observing your actions on our Website.
 

2. Use of Personal Information

 
We may use or disclose the personal information we collect for one or more of the following purposes:
 
· To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
 
· To provide, support, personalize, and develop our Website, products, and services.
 
· To create, maintain, customize, and secure your account with us.
 
· To process your requests, purchases, transactions, and payments and prevent transactional fraud.
 
· To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
 
· To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
 
· To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
 
· For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
 
· To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
 
· As described to you when collecting your personal information or as otherwise set forth in the CCPA.
 
· To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
 
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
 

3. Sharing Personal Information

 
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
 
We share your personal information with the following categories of third parties:
 
Service providers.
Marketing agencies.
Data aggregators.

4. Disclosures of Personal Information for a Business Purpose

 
In the preceding twelve (12) months, Company has not disclosed personal information for a business purpose.
 

5. Sales of Personal Information

 
In the preceding twelve (12) months, Company had not sold personal information.
 

6. Your Rights and Choices

 
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
 
6.1 Access to Specific Information and Data Portability Rights
 
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
 
· The categories of personal information we collected about you.
 
· The categories of sources for the personal information we collected about you.
 
· Our business or commercial purpose for collecting or selling that personal information.
 
· The categories of third parties with whom we share that personal information.
 
· The specific pieces of personal information we collected about you (also called a data portability request).
 
· If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
 
· sales, identifying the personal information categories that each category of recipient purchased; and
 
· disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
 
We do not provide these access and data portability rights for B2B personal information.
 
6.2 Deletion Request Rights.
 
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
 
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
 
a. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
 
b. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
 
c. Debug products to identify and repair errors that impair existing intended functionality.
 
d. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
 
e. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
 
f. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
 
g. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
 
h. Comply with a legal obligation.
 
i. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
 
We do not provide these deletion rights for B2B personal information.
 
6.3 Exercising Access, Data Portability, and Deletion Rights .
 
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Filling out the contact form on our website. See Contact info at the top of the page.
 
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
 
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
 
· Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include:
 
· Name, contact information, and information related to your transaction or relationship with the Company, but the specific information requested may differ depending on the circumstances of your request for your security and to protect privacy rights.
 
· Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
 
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
 
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password-protected account sufficiently verified when the request relates to personal information associated with that specific account.
 
We will only use the personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
 
6.4 Response Timing and Format .
 
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 days), we will inform you of the reason and extension period in writing.
 
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
 
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
 
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
 
6.5 Personal Information Sales Opt-out and Opt-In Rights.
 
If you are 16 years of age or older, you have the right to direct us to not sell your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the “right to opt-in”) from either the consumer who is at least 13 but not yet 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.
 

7. Non-Discrimination

 
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
 
Deny you goods or services.
· Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
 
· Provide you a different level or quality of goods or services.
 
· Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
 
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
 

8. Other California Privacy Rights

 
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please submit form or send in mail to the Contact info listed at the top of the page.

9. Changes to Our Privacy Notice

 
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
 
 

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Customers said...

They are extremely responsive to my emails, never upselling me, and explaining all my options available. It really is a pleasure working with them. As in, a relaxing experience. Highly recommend.
Charles Cohen
Charles Cohen
Raymond Jahn has been very diligent finding an insurer for our house and the autos.
Frank Brooks
Frank Brooks
Jennifer Johnson was very helpful helping me get a declarations pages on behalf of a mutual client.
Karcher Smith
Karcher Smith
Very responsive and easy to work with
Cathy King
Cathy King
Great people that treat you like family and simplify all of the processes required to understand complex policies. All staff members are extremely polite, knowledgable, and respectful.100% recommended and been with the company for 20+ years
Pratik Narula
Pratik Narula
Extremely helpful with my many questions.
douglas monach
douglas monach
Landon is excellent,patient and professional. Worked with me through the entire process.He answered all questions and made everything hassle free.Great Agent. Thank you Landon.
Jacklyne Jaryan
Jacklyne Jaryan
I called with many questions and concerns and they did a great job to address everything. Very patient, we are very satisfied with our customer service.
Lynn Carpenter
Lynn Carpenter
My company has used this agency for about 3 years now and I can confirm that I have received excellent service. I highly recommend Heidi Kussurelis Insurance.
Akinyinka Awosika
Akinyinka Awosika
I've been working with the Heidi Kussurelis agency for my business insurance needs for years now. I've worked with several of their agents over the years and have always felt their service to be good. But, recently I had a lot of changes going on with my business that required me to adjust many aspects of my coverage in a short period of time. My agent Samantha Trammell was right there to assist me with every change I threw her way. She really took the time to understand exactly what changes were happening within the business so she could come up with the right insurance solutions for us. She always took the time to explain all the available options and made recommendations that I truly felt had my company's best interest in mind. I cannot say enough nice things about my experience in working with her. She's extremely knowledgeable, works with a sense of urgency, and an all around pleasure to work with!
James Michalski
James Michalski
Ms. Gilbert is the consummate insurance service provider.l have benefited greatly by her personal knowledge of my needs and her professionalism is first class.
Wm Mann
Wm Mann
In this day and age of social / business contact avoidance , I am pleased to report that over and above customer service , account engagement and consumer experience is alive and well thanks to Jacob Schroeder at this Nationwide office ! Jake made it a seamless process to quickly review auto coverage and supply me with my proof of insurance cards in a matter of minutesPlease know I have not taken the time to provide a written review ; as it has not been warranted until yesterdayIn executive business and brand leadership for over 30 yrs w Hanes , Carhartt , Timberland , TYR and now as Chief Growth Officer at Troll Clothing / Welder Nation , Jake clearly has the business “ it” factor!!!Nationwide please realize what you have in JakeEither promote him and provide him with a major lift in compensation as he is someone who is a “ rain maker”Charlie SiracusaChief Growth OfficerTroll Clothing / Welder Nation
Charlie Siracusa
Charlie Siracusa
Professional and efficient ......Jennifer is always on top of things!
Tim Edwards
Tim Edwards
I heard about this company through close family 👪 spoke with Jake S, He was amazing very professional, Friendly and he was able to find me the best deal ever. I would totally recommend him to more family and friends. Thank you so much very grateful for everything Jake did for me and my kids, was able to save more money. 🙏
Erica Swanson
Erica Swanson
Ray Jahn and Heidi have been handling our insurance needs for years. We have always found they make sure we have all the coverage we need and for the best price in the market. I highly recommend using them to protect yourself and family!
George Harabedian
George Harabedian
My wife and I have had an umbrella policy with Heidi Kussurelis Insurance agency for a couple of years now for both of our vehicles and our homeowners' insurance. We are very happy with the response of their team.
Bob Zagacki
Bob Zagacki
Great customer service and explained my coverages well. Very responsive and great agents.
Matthew Fritzie
Matthew Fritzie
They have always been a great help when getting anything done for me.
Nicole Gilly
Nicole Gilly
Rusty was fantastic to work with and all interactions I have had with this agency have been top-notch!
Valerie Kearns
Valerie Kearns
We think they are great.Yes.
Edward Rollins
Edward Rollins
We have been clients of Heidi's for 20+ years. We insure our nonprofit resale shop, Nu2U Again, in Saline with Heidi also. Very helpful and knowledgeable!
Lisa Rentschler
Lisa Rentschler
Becky is the best! She has given outstanding service for over 20 years! She is the main reason I do business with Nationwide!
Joel Abramson
Joel Abramson
Becky is a rock star!
Beth McCormack
Beth McCormack
Excellent Customer Service. Thank you.
Atul Amin
Atul Amin
Ray is very on top of things! Thank you!
Caroline Ezop
Caroline Ezop
Great service.
Robert Hoff
Robert Hoff
Samantha is really helpful she always makes sure I have what I need and if I have any questions she makes sure she gets me the answers.
Kay Be Eye
Kay Be Eye
I found Jennifer Johnson to be courteous and quickly responsive to my insurance needs. Very satisfied!
Vincent Bovio
Vincent Bovio
I want to say thank you very much to Jacob Schroeder! He is very helpful and knowledgeable.
Faith Porter
Faith Porter
Ive Known Jacob Schroder for a long time. He is Amazing to Work With and when he says he's going to do something he completes it in a timely fashion with expected results. 12/10 wouldn't recommend anyone else.
Jake Currie
Jake Currie
I've had a great experience working with Jake Schroeder for the past year+, he's always easy to communicate with and quick to get back to me with any answers or changes I need. Highly recommend!
Jeff Rosen
Jeff Rosen
My agent is the best Landon!!!!!
Zandra Talley
Zandra Talley
Jacob Is always a can do individual, going beyond to look out for us. Absolutely 100% pleasure to deal with.....
russ semon
russ semon
Love this Agency!
Jake Schroeder
Jake Schroeder
Jennifer has been absolutely wonderful to work with! Her responses are helpful, appropriate, and timely and her kind personality helps when being first-time HOI purchasers. We are glad to have our HOI with them.
Alyssa Albaugh
Alyssa Albaugh
I have worked with Heidi Kussurelis Agency for the past two years and find the team very responsive to questions and concerns. They follow up on the details and make sure everything is handled perfectly. I recommend the team for any insurance needs or questions.
Rod Green
Rod Green
Jake Schroeder is good agent. He helped me through the process of paying my car insurence. And other varieties of questions. Straight to the point and professional. Thanks Jake
Ryan Stoll
Ryan Stoll
I had the most wonderful experience with Tammy Tu. My brother recommended me to her and I am very grateful for that. She was able to find me the best insurance for a price that worked for me. We also had some great conversations too! If you are looking for insurance be sure to ask for Tammy Tu. She was very thorough and professional. You will not be disappointed!
Madeline Hults
Madeline Hults
I wanted to share my gratitude for my agent Tammi Tu with helping me get my new Auto Insurance policy. I moved from Illinois to Michigan and needed a Michigan policy. She made it easy, worked around my busy work schedule and was very professional! Thanks for making me feel safe and supported Tammi!
TheModernDrJay
TheModernDrJay
Jake Schroeder always goes above and beyond to make sure all of our family's insurance needs are taken care of. We've never met in person, but phone conversations have been more than enough to lead me to call him a friend. He is an asset to your company....sincerely, Pastor Michael Saunders
Michael Saunders
Michael Saunders
I worked with Jennifer and she was extremely knowledgeable and a consummate professional in every way. Jennifer was able to answer all my questions and made me feel like a valuable client. I went into the conversation aiming to change carriers and agencies. I finished feeling very comfortable and pleased to maintain the relationship with Nationwide and the Kussurelis agency.
Robert J Glasgow
Robert J Glasgow
The Kussurelis Agency insurances us personally and also insures our nonprofit, Nu2U Again Resale Shop. We have been with the Kussurelis agency for 20 years or so.
Lisa Rentschler
Lisa Rentschler
Tammi Tu was extremely professional and fast with all of my questions and changes to my policy. It was such a pleasure to work with her and I look forward to her being my new agent.
Nancie Rowe-Janitz
Nancie Rowe-Janitz
I've been with their agency for a little over 4 years and always am happy with the service. I'll shop rates around and still haven't left because I'm getting the best deal around too. Tammy T. most recently helped, very professional, kind, and fast. I highly recommend Heidi's team to all of my clients.
Michael Zanto
Michael Zanto
Jennifer was fantastic to work with
Donald “Don” Boyer
Donald “Don” Boyer
Been a customer for 10+ years and very happy with the pricing and service. Becky Gilbert is always lightning fast getting certificates of insurance turned around for me and my own clients. Thank you!
Paul Conahan
Paul Conahan
Keith helped me with getting an auto insurance policy that I am very happy with. When running the reports, the price jumped up from what was originally quoted. I was OK with the final actual price, but Keith went above and beyond to get my actual price successfully back down the quoted price we had talked about!
Young Justin Hsu
Young Justin Hsu
Tammy was a great assistance and very knowledgeable!
Derek T
Derek T
Jennifer at Heidi Kussurelis is a true gem! She dealt with my car insurance issues is an always timely, super friendly and professional manner. Awesome to do business with them.
cbeeper
cbeeper
If you want all your insurance needs handled by one company, this company has exceeded my expectations. Recently having filed a claim for damage to my home....everything was handled within hours of calling.Thank you, Kussurelis agengy.....and my special agent, Jake.
Grant Sweeso
Grant Sweeso
Who needs Jake from State Farm when they can have Jake from Heidi Kussurelis Insurance Agency to take care of all their insurance needs. Jake's knowledge, kindness and excellent customer service is why I'll always remain a client and customer with this agency. Thanks Jake from HKI.
Lisa Merglewski
Lisa Merglewski
I was working with Tammi , she called me with great news a day before she said she would. She saved me a lot of money . She took a load of my shoulders. She was very professional and I believe she cares for the people she comes in contact with. What a great person Tammi is.
Teresa Thomas
Teresa Thomas
I have been with the Heidi Kussurelis insurance agency for many years now,even after several moves north,I'm still sticking with them!Very professional and personable,they never rush me and are very helpful,Jake has been extremely helpful!Our family has been very satisfied with there service.
MiKe Merkweki
MiKe Merkweki
Jake Schroeder helped set me up with a great policy. Then when I needed to make a claim it was quick and easy to get everything taken care of to get my house fixed.
Adam Rhodes
Adam Rhodes
I've been with Heidi's agency for years. They take care of every little detail, and treat me with respect. See what they can do for you.
Christopher Jay Wolff
Christopher Jay Wolff
Becky Gilbert
Claude Norwood
Claude Norwood
Samantha in Heidi Kussurelis office is a pleasure to work with. As a President of a HOA I’m responsible for keeping our rates competitive, but can’t spend a lot of time doing it. Samantha makes it easy to get things done in the short window of availability I have to give to volunteer work.
Eric Sorenson
Eric Sorenson
Becky knew immediately what I needed and took care of it in a minute. Great job, Becky
John McCauley
John McCauley
Amazing place if you looking for competitive rates and best coverage! If you reach out, ask for Becky. She was a pleasure to work with and I highly recommend her.Five stars from me!
simoo89
simoo89
I have been with this agency for several year and have had a sense of security knowing the are watching my back. Very polite and knowledgeable. Have always thought they were looking out for my best interest. Would not hesitate contacting them for any of my insurance needs. Highly recommend
sparky
sparky
I like when people can think! The team at HK Agency, particularly Becky, Samantha, Jenifer - all go above and beyond! I am so busy and they remind me when things are due, or if a problem can be avoided!
Patrick Butters
Patrick Butters
Always so helpful at this office!
Monica Brooks
Monica Brooks
I've been with Nationwide for years and have switched agents many times. Jacob Schroeder is a wonderful agent. He is knowledgeable, patient, and answers all of my questions. When I need to make a change, he is fast and makes sure it's accurate. Thank you Jacob! (T)
Valerie Risko
Valerie Risko
Team has always been very responsive and supportive of any of my family's needs over the past 10+ years. Highly recommend.
Marnie Butler
Marnie Butler
Prompt and friendly service that's always available when you need it!
Matt Fahnestock
Matt Fahnestock
Love my agent.
Zandra Talley
Zandra Talley
We needed to change our insurance over in order to purchase a car. Jennifer was extremely prompt, and helpful. I would highly recommend this agency for their service.
Jerard Gordon
Jerard Gordon
Jennifer responded to a request accurately and promptly
Enzo Fanelli
Enzo Fanelli
Excellent customer service and guidance with respect to insurance products and services. I have been a long time customer and highly recommend to people looking for reliable, prompt and honest services.
SANJAY ARORA
SANJAY ARORA
I love working with the Heidi Kussurelis Agency. Whenever I have a question, they are quick to answer and if they don't know something, they will check into it and call me back.
Shannon Henson
Shannon Henson
Good and responsive staff when I have questions about my auto insurance.
Rachel Darling
Rachel Darling
Thanks for being a great agency to work with. Their personal and professional service is top-rated.
Carla T
Carla T
Friendly staff and very good at responding to your needs
TONI FOUNTAIN
TONI FOUNTAIN
Always been very happy with the people, serviceand responsiveness to my questions. They have been great with policy questuons, updates and changes!!!
Eric H
Eric H
Honest advice and prompt service .
Ishwar Naik
Ishwar Naik
Always thankful to have someone on the phone to offer quick reassurance and prompt professional help. It give me peace of mind even before the fender bender. And more so just after. Oops.
Hil Nix
Hil Nix
Becky took the time to answer multiple questions and interrupt what she was doing to make sure I received notification of my coverage for the Secretary of State requirement. Thank you!
Amy Unsworth
Amy Unsworth
Great staff and people. They have always been quick to respond and get me the best rates available- I'm cheap and I'm still with them! Haven't been able to find cheaper rates even thru my work "discount" insurance.
Tim Sterling
Tim Sterling
Jennifer has been great to work with! Very knowledable and helpful!
Amy Spence
Amy Spence
Becky is awesome. She has been servicing my commercial account for years. Thank you Becky!!!
RC Johnson
RC Johnson
They were very professional. Also it was always easy to get in contact with someone when I needed them.
LeMar Callaway, Jr.
LeMar Callaway, Jr.
Prompt service for quotes. Jennifer was very professional!
Cathy Ferrara
Cathy Ferrara
Excellent Customer Service! Highly Recommended.
Kevin Williams
Kevin Williams
This agency went above and beyond and exceeded all of my expectations! Raymond was extremely helpful, knowledgeable, and prompt with getting back with me. I can tell from his phone voice he’s probably extremely handsome too. Woowheeee can’t recommend this company enough!
Chelsea H
Chelsea H
very nice people to deal with. always paid my claims promptly .when they moved from Fenton to Brighton it became more difficult for me.
the man in the back
the man in the back
I have been with Nationwide now for over 24 years. The Heidi Kussurelis Agency has been wonderful to work with, very attentive to my questions, needs and always getting me the best deals that fit for me and my family. Thank you Nationwide and Heidi Kussurelis Agency.
Mary Kay Besford
Mary Kay Besford
My experience was great with this agency. They were very friendly and quick to respondHighly recommend
Jacqueline Miller
Jacqueline Miller
Thank you to Jennifer Johnson for many years of great service, she has always taken very good care if us.
JoAnn Blondeel
JoAnn Blondeel
Love the Heidi kussurelis agency them guys really will take care of you.. especially Raymond and Karen. I will refer them all over the world
tsm ju yt
tsm ju yt
Great service!! Fast and always helpful! I Have had my company insurance here since I started my business in 2011. Thank you for all you have done for us!
Buddy Hammett
Buddy Hammett
I called the agency to get a quote. Ray went through all the coverages and improved my policy and was able to save me money. I really appreciated the professionalism that was displayed. I highly recommend calling this agency.
Poop Adams
Poop Adams
I recently had to make a claim. My agent got back to me quickly on a Saturday. I got the rental car I wanted. The claims process was quick and the local office staff was helpful with some extra tips. Not happy to have to make a claim, but VERY happy with the service I received!
Craig DeSimone
Craig DeSimone
I've known and worked with Lori Boyer-Ott for several years now. Not only has she helped me with my various personal insurance needs, she's helped some of my clients too. She's very knowledgeable and takes the time figure out what's best for the client. I would recommend her and her agency to anyone considering insurance.
Richard Witter
Richard Witter
Becky Gilbert is very friendly and helpful!
Kim Michowski
Kim Michowski
Super efficient
Becky Gilbert
Becky Gilbert
This office has the best Customer Service I have ever seen. It is like they have known me all my life!
Jeremy Mossing
Jeremy Mossing
Lori Ott is an outstanding agent. My family’s Farm is insured through Lori and Nationwide. She listens, is always responsive to my inquiries by phone or email, and she really understands Agribusiness. I recommend Lori to my family and friends and she has been able to help them with all of their insurance needs.
shelby collier
shelby collier
My experience was Great with this Agency!
Gillateen Gilly
Gillateen Gilly
The New ownership has been Great From my experience!
Sam Kurtz
Sam Kurtz

“The attention I received from the Heidi Kussurelis Agency team was unparalleled. They paid genuine attention to my budget concerns, and came up with a plan that was comprehensive yet cost-effective.”

Emanz Reign