Privacy policy

Privacy Policy

1. Who we are and what this policy covers

Effective date: October 1, 2026

We Are Haven, LLC (“Haven,” “we,” “us”) is a licensed insurance agency, not an insurance company. We compare and place home, auto, flood and related insurance coverage with insurance carriers on your behalf. National Producer Number 22342129; Texas License No. 3547877. We are in the process of becoming licensed in all U.S. states and the District of Columbia. Haven is currently licensed in Alabama, Arizona, Colorado, Illinois, Louisiana, Maryland, Minnesota, North Carolina, Ohio, South Carolina, Tennessee and Texas.

This policy explains how we collect, use, share and protect personal information when you:

• visit wearehaven.com or any page that links to this policy;
• request a quote, buy or service a policy through us;
• call us, use our automated phone system (IVR), or speak with a Haven agent; or
• receive text messages or emails from us.

This Privacy Policy applies to current customers, former customers and individuals who request a quote but have not purchased an insurance policy (“Prospects”). The insurance carrier that issues your policy has its own privacy notice, which governs how the carrier handles your information. Haven is not responsible for carriers’ privacy policies or practices.

2. Information we collect

Category	Examples	Where it comes from
Identifiers and contact details	Name, mailing and property address, email, phone and mobile number, date of birth	You, by phone, online or in our IVR
Insurance and property details	Home characteristics, vehicles and VINs, drivers, current and past coverage, claims history, mortgage lender	You; carriers; public property records
Consumer report information	Insurance scores, driving records (MVR), claims databases (e.g., CLUE)	Carriers and consumer reporting agencies, when needed to provide a quote, to the extent permitted by applicable law
Government identifiers	Driver’s license number; Social Security number only if a carrier requires it	You, by phone or secure form. Haven does not collect this information by text message.
Communications and consent records	Call recordings, IVR keypresses, text and email history, the date, time, method and any wording of consent to receive text messages, and opt-out of receiving them	Our phone, IVR and messaging systems
Payment information	Bank or card details for premium payments	Collected by the carrier or its payment processor. Haven does not collect this information by text message.
Device and usage data	IP address, browser type, pages viewed, referring site	Cookies and similar technologies on our website

We do not knowingly collect health information, biometric data or precise geolocation.

3. How we use information

We use personal information to:

• respond to your inquiry and prepare, compare and finalize quotes;
• submit applications and assist you with placing, renewing, changing or requesting cancellation of coverage with carriers;
• service your policy, help with claims and send policy-related notices;
• contact you by phone, email or by text message, where you have agreed to receive text messages, to schedule a time to talk, confirm information needed to complete a quote, or follow up regarding your coverage;
• keep records of calls and your communication preferences, including consent to receive text messages and opt-out requests, to document and honor those choices;
• train and monitor our team to ensure quality service;
• detect fraud, protect our systems and comply with insurance, tax and other applicable laws; and
• improve our website and services we provide.

Insurance privacy (GLBA). Much of the information we collect is considered “nonpublic personal information” under the federal Gramm-Leach-Bliley Act and state insurance privacy laws. We use and disclose this information only to the extent permitted by applicable law, as described in Section 4. We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

4. How we share information

We share personal information only with:

• Insurance carriers and wholesalers we work with to obtain quotes, place coverage and service your policy;
• Service providers that help us operate, such as providers of our agency management system, phone, IVR and call-recording platforms, text messaging services, email and cloud hosting. These providers are contractually limited to using your personal information only to provide services to us;
• Consumer reporting agencies and data providers, when needed to obtain information for a carrier to provide a quote or underwrite a policy;
• Your mortgage lender, servicer or another party you direct us to share information with, for example, to provide proof of insurance;
• Regulators, law enforcement and courts, when required by law or when necessary to protect the rights, property and safety of Haven, our customers or other third parties; and
• A successor business, if Haven is involved in a merger, acquisition or sale of assets, subject to this policy.

The disclosures described above are made for purposes permitted under the GLBA and applicable state insurance privacy laws and are generally not subject to an opt-out right. We do not share your personal information with our affiliates, investors or other third parties for their own marketing purposes. If that changes, we will update this policy and provide any notice and opt-out rights required by applicable law.

Mobile information. No mobile information will be shared with third parties or Haven’s affiliates for marketing or promotional purposes. The text messaging opt-in information and consent records will not be shared with any third parties, except with the messaging providers and aggregators that help us deliver our text messages. The other categories of information described in this policy do not include text messaging opt-in information and consent records.

5. Text messaging (SMS)

We only send text messages to you only if you have agreed to receive text messages from Haven. Please review the SMS Messaging Terms section of our Terms & Conditions for details.

How you can agree to receive text messages. You can opt in to receive text messages from Haven in any of the following ways:

1. On a recorded call, by verbally agreeing after a Haven agent reads you our text messaging disclosure;
2. Online, by checking an unchecked box next to our text messaging disclosure on a wearehaven.com form; or
3. In our automated phone system (IVR), by pressing a key after hearing our text messaging disclosure.

Consent to receive texts is never a condition of buying any product or service. You can get a quote and buy coverage without agreeing to receive text messages from us.

What we may text about. Scheduling a time to speak with us, confirming information to finalize a quote, your application and policy, renewals, billing reminders, claims assistance and customer service updates and marketing communications. Messages may be sent using automated technology.

What we will never do by text message. We will never take a payment, ask for card or bank details, ask for your Social Security number, or bind, issue or change coverage through a text message. If you get a text claiming to be from Haven that asks for any of these, do not reply; contact us at support@wearehaven.com.

Opting out. Reply STOP to any Haven text message to stop receiving text messages from us. We also honor QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE, OPT OUT and any other reasonable request to stop receiving text messages, whether by reply text, phone, email or in writing. After you opt out, we will send one final message confirming your opt-out, and we will not send you further text messages, unless you opt in again. Reply HELP for assistance. Opting out of receiving text messages does not affect your insurance coverage or your ability to reach us by phone or email.

Consent records. We keep a record of how and when you consented to receive or opted out of receiving text messages from Haven. These records may include a call recording, form submission or IVR entry, as well as the text-message disclosure in effect at that time. We retain the records for as long as necessary to document your consent and honor your preferences. Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

6. Call recording, cookies, retention and security

Call recording. Calls with Haven, including through our IVR, may be recorded or monitored. We will notify you at the beginning of each call if it may be recorded or monitored. We may use the recordings to document communications, record and verify your consent (including consent to receive text messages), train our team and resolve disputes. If you do not want to be recorded, please tell the agent and we will offer another way to communicate with us, such as by email.

Cookies and similar tools. Our website uses cookies and similar technologies that are needed for the site and forms to work, and to understand how visitors use the site. [List any analytics or advertising tools here, or state that none are used.] You can block or delete cookies in your browser settings. We treat a Global Privacy Control signal as a request to opt out of any sale or sharing of personal information for targeted advertising by Haven.

How long we keep information. We keep personal information only as long as needed for the purposes described in this policy and to meet legal and licensing obligations. Unless applicable law requires otherwise, our general retention periods are as follows:

Record	Typical retention
Customer and policy files	7 years after the policy ends or the transaction is completed
Prospect records (no policy bought)	3 years after last contact, then deleted
Call recordings	5 years, or longer when a recording is part of a customer file or captures consent to receive text messages
SMS consent and opt-out records	5 years after the last text message we send you; opt-out records are retained so we don’t inadvertently send you a text message after you have opted out

Security. We maintain administrative, technical and physical safeguards designed to protect personal information, as required by GLBA and applicable state insurance data security laws. Our security program is aligned with SOC 2 and includes need-to-know access for staff, background checks, confidentiality agreements, security training and documented offboarding. No system is completely secure. If a breach affects your personal information, we will notify you as required by applicable law.

7. Your choices and privacy rights

Choices you have at any time

• Texts: reply STOP, or tell us by phone or email.
• Marketing calls and emails: ask us to stop sending your marketing communications or use the “unsubscribe” link in any marketing email. We maintain an internal do-not-call list and honor the National Do Not Call Registry as required by applicable law.
• Call recording: ask us not to be recorded, and we will offer another way to communicate with us.
• Cookies: manage cookies through your browser or send a Global Privacy Control signal.

Your rights. Depending on where you live, and in all cases as a matter of Haven policy, you may ask us to:

• confirm whether we hold personal information about you and request a copy of such information;
• correct inaccurate information (certain state insurance privacy laws also provide this right with respect to insurance records);
• delete information that we are not required to retain under applicable law or insurance recordkeeping rules; and
• opt out of any sale of personal information, targeted advertising or profiling. Haven does not currently engage in these activities.

To make a request, email support@wearehaven.com with the subject line “Privacy Request”. We will verify your identity before acting and respond within 45 days, or sooner if required by applicable law. We will let you know if we need more time to process your request. You may use an authorized agent. If we deny your request, you may appeal by replying to our decision, and we will respond to appeals within the time required by applicable law. We will not discriminate against you for exercising any of these rights.

Consumer reports. If a carrier takes an adverse action based on a consumer report, the carrier is responsible for providing any notices required by applicable law, including notice of your rights under the Fair Credit Reporting Act, including your right to get a free copy and dispute inaccurate information. Haven does not make underwriting or coverage decisions on carriers’ behalf.

8. Children, changes and contact

Children. Our website and services are intended for adults. We do not knowingly collect personal information online from children under 13. Information about minors, such as a teen driver on an auto policy, is collected only from a parent or guardian to provide coverage.

Changes to this policy. We may update this policy from time to time. Any updated version of this policy will apply prospectively on and after the date it is posted. Where required by applicable law, we will provide customers with notice of material changes to the policy. We will not use personal information for a materially different purpose without providing any notice and obtaining consent required by applicable law.

Contact us

We Are Haven, LLC
Email: support@wearehaven.com

Haven’s producer license numbers for each state are available upon request and can be verified through the National Insurance Producer Registry or your state department of insurance.

 

We honor the Global Privacy Control. If your browser sends that signal we treat it as a request not to sell or share your personal information, with nothing for you to click. You can also tell us directly, here:

Where we operate

We place coverage in the states where we hold a license, currently Arizona, Florida, Georgia, Illinois, Maryland, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington.

Contact

Questions about this policy, or about the information we hold on you, go to support@wearehaven.com.