Privacy Policy

At Capstone Insurance Agency, we are dedicated to protecting your privacy as a visitor to this website and as our valued customer. We offer this pledge:

Capstone Insurance Agency is the owner of the information collected on this website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease, or rent any personally identifiable information to any third party not specifically authorized by you to receive your information, except as disclosed in this Privacy Policy.

Information Collection

When you enroll for coverage or purchase an insurance policy from us, we will ask for your personal information. This includes your name, home address, mailing address, telephone number, and e-mail address, which will be provided to the insurance company to establish you as a policyholder.

We maintain a record of your information at Capstone Insurance Agency to provide you with policyholder service. Our employees are required to sign a Confidentiality And Nondisclosure Agreement and are instructed on the importance of protecting customer's personal information.

When purchasing a policy, if you pay with a credit card, we do not keep a record of your credit card information. If paying by personal check, we might keep a copy in your file. Emails sent from our website may include personally identifiable information like your email address.

Consent for Communications

By providing your contact information through our website, you consent to be contacted by Capstone Insurance Agency via phone, text, or email for service updates, policy information, or marketing purposes. Automated technologies may be used for these communications.

You are not required to provide consent as a condition of purchasing any services. You can withdraw your consent at any time by contacting us at (763) 242-1668 or following the opt-out instructions provided in the message.

Opt-Out Options

You can opt out of receiving marketing communications at any time by:

• Replying "STOP" to any text message.
• Clicking the "Unsubscribe" link in marketing emails.
• Contacting us directly at (763) 242-1668 or matt@capstoneinsurancemn.com.

Automated Communications

We may use automated technologies to contact you by phone or text for purposes related to your insurance needs, policy updates, or marketing. By submitting your information, you consent to receiving these communications. You can opt out at any time as outlined above.

Telephone Consumer Protection Act (TCPA)

Capstone Insurance Agency complies with the TCPA, which requires explicit written consent to contact you via phone or text for marketing purposes. By submitting your contact information on our website, you consent to these communications, as described in this Privacy Policy.

Data Retention

Capstone Insurance Agency retains your personal information as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. If you wish to have your data deleted, please contact us at (763) 242-1668.

Information Disclosure

We make every effort to maintain privacy on our website. If information is viewed by another party, it is accidental, and by using our website, you release us from any liability. We shall not be liable for any unlawful acts of others who steal this information.

We do not sell or disclose nonpublic personal information to non-affiliated third parties, except as required or permitted by law. We may share information with companies that perform administrative or marketing services for us, under contracts that prohibit them from using the information for other purposes.

Disclaimer

Please contact our office at 763-242-1668 to discuss specific coverage details and your insurance needs. To protect your privacy, please do not send confidential information by unprotected email. Instead, discuss personal information with us by phone.

Information on this website is general and we provide no warranty as to its accuracy. Clients should consult with their licensed agent regarding how coverages pertain to their individual situation.

Notice of Insurance Information Practices

Personal information, including from credit reports and loss history, may be collected from persons other than you in connection with your application for insurance and subsequent renewals. You have the right to review and request correction of any inaccuracies in your personal information in our files. This information may be disclosed to third parties without your authorization under certain circumstances, as detailed in our information and disclosure practices.

Cookies

Cookies are used on our website to distinguish unique visitors during a session. They are short-lived and expire when you close your browser or after 20 minutes of inactivity. Cookies are used to carry forward your input information during the enrollment process and do not store personally identifiable information.

Third-Party Links

Our website may contain links to third-party websites not controlled by Capstone Insurance Agency. We are not responsible for the content or privacy practices of these sites. Our Privacy Policy applies only to information collected by us.

Changes In Our Privacy Policy

We reserve the right to change this Privacy Policy without advance notice.

For any questions about our privacy policy, please contact us at 763-242-1668