Privacy Policy

Commission Disclosure

You are a highly valued customer, and our firm takes pride in the services we provide to you. Acting as an independent insurance brokerage, we are able to offer you excellent service and competitive prices because we can access insurance coverage, in most cases, from more than one insurance company.

Under California Law, insurance broker-agents are not generally held to be responsible for determining the amount of insurance a consumer needs, or even the types of insurance that you as the consumer need. We have provided types and amounts of insurance to you based on coverage required at minimum by State of California within Legislative Bill AB1523 effective July 1, 2015 for compliance through the Dept. of Social Services to maintain the Facility License. We have the ability to obtain policies from a variety of competing insurers. However, we have made a business decision to submit most online applications for general/professional liability insurance through Lloyd’s of London if we believe its products are suitable for the insurance needs you communicate to us including communication through our online quoting system.

Please remember, however, that you are ultimately responsible for determining which insurance company you want to underwrite your policy, what coverages you need for your protection, the amount of insurance you need, and other issues. We assure every client and potential client that our decisions with respect to placement of your insurance have always been and will continue to be guided by the best interests of our clients.

Commission

Built Insurance Brokerage LLC is paid a commission for the placement of this policy. In most cases, we are paid a commission which is fixed or based on a percentage of the premium that you pay for your policy. This commission percentage is set by the Insurance Company and is included as a part of the insurance premium you pay.

Any additional or incentive compensation we receive from the insurer is paid to Built Insurance Brokerage LLC, and not the individual broker or employee of ours who is working with you to obtain the insurance products or services you have requested. Built Insurance Brokerage LLC also receives compensation by a Finance Company, only if payment plan is selected by you, for the placement of financing your Insurance Policy.

Fees 

Built Insurance Brokerage LLC charges you a broker fee for placing your policy, in addition to commission income. Los Angeles County is $130 and all other CA Counties is $240. The policy includes a $150 Policy fee which is used for the cost of filing of surplus lines taxes in addition to the base premium. These fees are fully earned and non-refundable and are included in the “review proposal” section displaying a breakdown of all fees that you have agreed to prior to purchasing Insurance.

CA Dept of Insurance Commission Disclosure Notice: (broker fee agreement referred to below is to be signed within “review proposal” prior to purchasing.)

1. Do not sign any broker fee agreement unless all of its blank lines and spaces have been filled-in and you have read this entire document and the agreement carefully.
2. Your insurance broker represents you, the consumer, and is entitled to charge a broker fee if he/she chooses. This fee is not set by law, and may be negotiable between you and the broker.
3. It is illegal or improper for an insurance broker to charge you a fee for placing coverage solely with the California Automobile Assigned Risk Plan or the California FAIR Plan. Fees may be charged for placement of other coverages
4. Broker fees are often non-refundable even if you cancel your coverage. Refer to your broker fee agreement to see if your broker fee is non-refundable. However, you may be entitled to a full refund of a broker fee if your broker acted incompetently or dishonestly. Unresolved disputes over non-refunded broker fees can be forwarded to the Department of Insurance for review.
5. You are entitled to obtain and keep a completed copy of this disclosure and any broker fee agreement you sign.
6. Your broker may receive commission from insurance company/ies for placing your insurance. This commission may be paid to your broker by the insurance company/ies in addition to any broker fee you pay.
7. If you will be paying your premium in installments to a finance company, by law you must receive a copy of a premium finance disclosure and agreement. Be sure to obtain and read those documents before signing a premium finance agreement. Also, ask the broker if the insurer offers its own installment payment plan. Insurer installment plans are often cheaper than premium financing through a separate premium finance company.

If your broker is placing automobile coverage, your broker must provide you with a copy of the current Department of Insurance Automobile Insurance pamphlet. If your broker is placing residential coverage, your broker must provide you with a copy of the current Department of Insurance Residential Insurance pamphlet. By signing this disclosure you acknowledge receipt of the appropriate pamphlet(s).  

If you have any questions or if you would like additional information about any aspect of the compensation we earn on your account, please contact your client service representative or:

Blake Thompson, President

Built Insurance Brokerage LLC
32107 Lindero Cyn Rd Ste 228
Westlake Village, CA 91361
blake@builtinsurance.com
Phone (805) 413-4331

Thank you for choosing us and allowing us to serve your insurance needs.

Privacy & Compliance Policy

Our Privacy Policy was last updated and posted on 2 April 2015. It governs the privacy terms of our Website located at http://www.Insuremyrcfe.com, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Built Insurance Brokerage LLC. Unless otherwise defined in the Definitions section of this Privacy Policy, capitalized terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at http://www.Insuremyrcfe.com.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate, disclose, and make use of personal information. We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy. The following outlines our privacy policy.

• Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
• We will collect and use personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
• We will only retain personal information as long as necessary for the fulfillment of those purposes.
• We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
• Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
• We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
• We will make readily available to customers information about our policies and practices relating to the management of personal information.

Your Privacy

Built Insurance Brokerage LLC follows all legal requirements to protect your privacy. Our Privacy Policy is a legal statement that explains how we may collect information from you, how we may share your information, and how you can limit our sharing of your information. We utilize the Personal Data you offer in a way that is consistent with this Personal Privacy Policy. If you provide Personal Data for a particular reason, we could make use of the Personal Data in connection with the reason for which it was provided. For example, registration info sent when developing your account might be used to assist suggest products to you based on past acquisitions. We might use your Personal Data to offer access to services on the Website and monitor your use of such services. Built Insurance Brokerage LLC may also utilize your Personal Data and various other personally non-identifiable info gathered through the Website to assist us improve the material and functionality of the Website, to much better comprehend our users, and to improve our services.

Definitions

“Non Personal Information” is information that is not personally identifiable to you and that we automatically collect when you access our Website with a web browser. It may also include publicly available information that is shared between you and others.

“Personally Identifiable Information” is non-public information that is personally identifiable to you and obtained in order for us to provide you service within our Website. Personally Identifiable Information may include information such as your name, email address, and other related information that you provide to us or that we obtain about you.

Information We Collect

Generally, you control the amount and type of information you provide to us when using our Website.

As a Visitor, you can browse our website to find out more about our Website. You are not required to provide us with any Personally Identifiable Information as a Visitor.

Computer Information Collected

When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered Non Personal Information. We also collect the following:

• Cookies: Our Website uses “Cookies” to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.
• Geographical Information: When you use the mobile application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within and display information with relevant data or advertisements. We will not share your current location with other users or partners. If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile phone settings and/or within the mobile application.
• Automatic Information: We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website to which you are headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our Users to help improve our Website.
• Log Data: Like many Website operators, we collect information that your browser sends whenever you visit our Website (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Website that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Under the Child’s Online Privacy Security Act, no Website operator can require, as a condition to involvement in an activity, that a child younger than 13 years of age divulge more details than is reasonably required. Built Insurance Brokerage LLC abides by this demand. Built Insurance Brokerage LLC only collects information willingly offered; no information is gathered passively. Children under 13 can submit only their email address when sending us an email in our “Contact Us” area. Built Insurance Brokerage LLC makes use of the e-mail address to respond to a one-time demand from a child under 13 and afterwards deletes the e-mail address. In case Built Insurance Brokerage LLC collects and maintains personal information relating to a child under 13, the parent may send out an email to us to review, alter and/or erase such information, as well as to decline any additional collection or use of the child’s information.

How We Use Your Information

We use the information we receive from you as follows:

• Customizing Our Website: We may use the Personally Identifiable information you provide to us along with any computer information we receive to customize our Website.
• Sharing Information with Affiliates and Other Third Parties: We do not sell, rent, or otherwise provide your Personally Identifiable Information to third parties for marketing purposes. We may provide your Personally Identifiable Information to affiliates that provide services to us with regards to our Website (i.e. payment processors, Website hosting companies, etc.). Such affiliates will only receive information necessary to provide the respective services and will be bound by confidentiality agreements limiting the use of such information.
• Data Aggregation: We retain the right to collect and use any Non Personal Information collected from your use of our Website and aggregate such data for internal analytics that improve our Website and Service as well as for use or resale to others. At no time is your Personally Identifiable Information included in such data aggregations.
• Legally Required Releases of Information: We may be legally required to disclose your Personally Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties including you and/or other Members; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of Built Insurance Brokerage LLC, our Users, employees, and affiliates.

Opt-Out

We offer you the chance to “opt-out” of having your personally identifiable information used for particular functions when we ask you for this detail. When you register for the Site, if you do not want to receive any additional material or notifications from us, you can show your preference on our registration form.

Links to Other Websites

Our Website may contain links to other websites that are not under our direct control. These websites may have their own policies regarding privacy. We have no control of or responsibility for linked websites and provide these links solely for the convenience and information of our visitors. You access such linked Websites at your own risk. These websites are not subject to this Privacy Policy. You should check the privacy policies, if any, of those individual websites to see how the operators of those third-party websites will utilize your personal information. In addition, these websites may contain a link to Websites of our affiliates. The websites of our affiliates are not subject to this Privacy Policy, and you should check their individual privacy policies to see how the operators of such websites will utilize your personal information.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We utilize practical protection measures to safeguard against the loss, abuse, and modification of the individual Data under our control. Personal Data is kept in a secured database and always sent out by means of an encrypted SSL method when supported by your web browser. No Web or e-mail transmission is ever totally protected. For example, email sent out to or from the Website may not be protected. You must take unique care in deciding what info you send to us by means of e-mail.

Privacy Policy Updates

We reserve the right to modify this Privacy Policy at any time. You should review this Privacy Policy frequently. If we make material changes to this policy, we may notify you on our Website, by a blog post, by email, or by any method we determine. The method we chose is at our sole discretion. We will also change the “Last Updated” date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies.

Questions About Our Privacy Practices or This Privacy Policy

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. If you have any questions about our Privacy Practices or this Policy, please contact us.

Digital Millennium Copyright Act (DMCA) Compliance

Built Insurance Brokerage LLC abides by the federal Digital Millennium Copyright Act (DMCA) by responding to notices of alleged infringement that comply with the DMCA and other applicable laws. As part of our response, we may remove or disable access to material residing on a site that is controlled or operated by Built Insurance Brokerage LLC (such as http://www.Insuremyrcfe.com) that is claimed to be infringing, in which case we will make a good-faith attempt to contact the person who submitted the affected material so that they may make a counter notification, also in accordance with the DMCA.

Built Insurance Brokerage LLC does not control content hosted on third party websites, and cannot remove content from sites it does not own or control. If you are the copyright owner of content hosted on a third party site, and you have not authorized the use of your content, please contact the administrator of that website directly to have the content removed.

Before serving either a Notice of Infringing Material or Counter-Notification, you may wish to contact a lawyer to better understand your rights and obligations under the DMCA and other applicable laws. The following notice requirements are intended to comply with Built Insurance Brokerage LLC’s rights and obligations under the DMCA and, in particular, section 512(c), and do not constitute legal advice.

NOTICE TO COPYRIGHT OWNERS:

If you believe material posted on or linked to or from this site is infringing, please provide a written, signed notice of infringement (a “DMCA Notice”) to the designated agent at the Built Insurance Brokerage LLC, by fax or mail, at the address provided on our contact page. Such DMCA Notice should be in the form set forth below, which is consistent with the form suggested by the United States Digital Millennium Copyright Act (the “DMCA”).

Pursuant to federal law you may be held liable for damages and attorneys’ fees if you make any material misrepresentations in a Notification. Thus, if you are not sure whether content located on or accessible via a link from the Website infringes your copyright, you should contact an attorney.

All Notifications should include the following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.
• Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.
• A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Notifications should be sent to the address shown on our contact page.

Please note: The DMCA provides that you may be liable for damages (including costs and attorneys’ fees) if you make a false or bad faith allegation of copyright infringement by using this process. If you are not sure what your rights are, or whether a copyright has been infringed, you should check with a legal advisor first.