Privacy Policy

Effective date: January 1, 2026

TerlikOnline (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit terlikonline.com (the “Site”), communicate with us, or obtain insurance products and services through our agency. This Policy applies to information collected online and offline in connection with our insurance activities.

1. Information We Collect

1.1 Information You Provide

We collect information you submit through forms, email, chat, or phone interactions, including:

• Identity and contact data (name, email, phone);
• Demographic details relevant to underwriting (date of birth, household members);
• Insurance application data (property descriptions, vehicle information, business operations, payroll, revenue);
• Health-related information when you apply for life or health coverage (collected only with appropriate consent);
• Payment-related details processed by Carriers or payment vendors (we do not store full card numbers on our servers);
• Communications, testimonials, and survey responses.

1.2 Automatically Collected Information

When you use the Site, we may automatically collect device and usage information such as IP address, browser type, operating system, referring URLs, pages viewed, and timestamps. We use cookies, pixels, and similar technologies to remember preferences, measure performance, and improve security. You can adjust browser settings to refuse cookies; some features may not function properly without them.

1.3 Information from Third Parties

With your authorization, we may obtain information from consumer reporting agencies, insurance support organizations, motor vehicle records, claims history databases (such as CLUE or similar), credit-based insurance scores where permitted, and publicly available sources to verify applications and prevent fraud.

2. How We Use Information

We use personal information for legitimate business purposes, including:

• Providing quotes, underwriting submissions, policy binding, endorsements, and renewals;
• Claims reporting, advocacy, and coordination with Carriers;
• Customer service, authentication, and account management;
• Compliance with legal, regulatory, and contractual obligations;
• Detecting, investigating, and preventing fraud or security incidents;
• Marketing insurance-related products and educational content (with opt-out rights);
• Analytics to improve Site performance and user experience;
• Internal training, quality assurance, and dispute resolution.

3. Legal Bases for Processing

Where applicable privacy laws require a legal basis, we rely on: (a) performance of a contract or steps prior to entering a contract; (b) compliance with legal obligations; (c) legitimate interests such as fraud prevention and service improvement, balanced against your rights; and (d) consent for certain marketing or sensitive data uses. You may withdraw consent where processing is consent-based, without affecting prior lawful processing.

4. How We Share Information

We do not sell personal information for monetary consideration. We may share information with:

• Insurance Carriers and reinsurers to evaluate, issue, service, or renew policies;
• Service providers who assist with IT hosting, document management, e-signature, analytics, and email delivery under contractual confidentiality obligations;
• Premium finance companies when you choose financed premiums;
• Regulators, courts, and law enforcement when required by law or to protect rights and safety;
• Professional advisors such as auditors and attorneys under privilege where appropriate;
• Business transfers in connection with mergers, acquisitions, or asset sales, subject to continued protection consistent with this Policy.

Aggregated or de-identified data that cannot reasonably identify you may be used without restriction.

5. Insurance-Specific Notices

Insurance transactions may involve nonpublic personal information (“NPPI”) governed by state and federal privacy rules, including the Gramm-Leach-Bliley Act where applicable. We provide notices of privacy practices required by Carriers and regulators at application and renewal. Medical information obtained for life or health insurance is handled with heightened safeguards and shared only as permitted for underwriting, administration, or claims.

6. Data Retention

We retain personal information as long as necessary to fulfill the purposes described in this Policy, including servicing policies, resolving disputes, meeting recordkeeping requirements imposed by insurance regulators, and defending legal claims. Retention periods vary by data type and jurisdiction; when data is no longer needed, we securely delete or anonymize it.

7. Security

We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, employee training, and vendor due diligence. No method of transmission or storage is completely secure; you share information at your own risk, though we work continuously to reduce that risk.

8. Your Choices and Rights

Depending on your location, you may have rights to:

• Access and receive a copy of certain personal information;
• Correct inaccurate information;
• Delete information subject to legal exceptions;
• Opt out of marketing emails via unsubscribe links or our Unsubscribe page;
• Restrict or object to certain processing;
• Receive portable copies of data you provided.

To exercise rights, contact us through the Contact Us form or contact@terlikonline.com. We may verify your identity before responding. Authorized agents may submit requests with proof of authority where permitted by law.

9. Children’s Privacy

The Site is not directed to children under thirteen (13). We do not knowingly collect personal information from children. If you believe a child has provided information, contact us to request deletion.

10. International Visitors

If you access the Site from outside the country where we operate, your information may be transferred to and processed in jurisdictions with different data protection laws. We apply appropriate safeguards for cross-border transfers as required.

11. Third-Party Websites

Links to Carrier portals or social networks are governed by their privacy policies. We encourage you to review those policies before providing information.

12. Do Not Track

Some browsers transmit “Do Not Track” signals. Because industry standards are evolving, we do not currently respond to all such signals but honor applicable opt-out rights under state privacy laws.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in practices, technology, or legal requirements. Material changes will be posted on the Site with an updated effective date. Continued use after changes constitutes acknowledgment unless further consent is required.

14. Contact Us

For privacy questions or requests, email contact@terlikonline.com or use our secure Contact Us form with the subject line “Privacy Request.”