Privacy Policy

Effective date: January 1, 2026

1. Scope

This Privacy Policy describes how Ask The Resource Queen Insurance ("Resource Queen," "we," "us") collects, uses, discloses, and safeguards personal information when you visit asktheresourcequeen.com, submit forms, subscribe to emails, or engage with our insurance advisory services.

2. Information we collect

Information you provide

We may collect identifiers such as name, email address, ZIP code, coverage interests, employer name, and messages you send through contact or quote forms. If you apply for insurance, we may collect additional underwriting information such as date of birth, health history, property details, and driving record as permitted by law and with your consent.

Automatic collection

When you browse the Site, we may collect device information, browser type, IP address, pages viewed, and referring URLs through cookies and similar technologies. You can control cookies through your browser settings.

Information from third parties

With your authorization, we may receive information from consumer reporting agencies, insurance support organizations, prior insurers, and government motor vehicle records to provide accurate quotes and fulfill applications.

3. How we use information

We use personal information to respond to inquiries, prepare insurance quotes, facilitate applications, service policies, send renewal reminders, improve the Site, comply with legal obligations, detect fraud, and—where permitted—send educational marketing about insurance products. We do not sell personal information for monetary consideration.

4. Legal bases (where applicable)

Depending on jurisdiction, we process data based on consent, performance of a contract, legitimate interests in operating our business, and compliance with law.

5. Sharing of information

We may share information with licensed producers, insurers, reinsurers, third-party administrators, IT vendors, email service providers, and professional advisors who are bound by confidentiality obligations. We may disclose information when required by law, to protect rights and safety, or in connection with a corporate transaction subject to appropriate safeguards.

6. Insurance-specific notices

Insurance transactions may involve sharing information with the Medical Information Bureau, CLUE property loss database, and similar industry databases as authorized by you and permitted by the Fair Credit Reporting Act and state insurance codes. You may request disclosure of recipients and the nature of information shared in connection with an adverse underwriting decision.

7. Data retention

We retain information as long as necessary to provide services, meet regulatory record-keeping requirements for insurance transactions, resolve disputes, and enforce agreements. Marketing contact data is retained until you unsubscribe or request deletion, subject to legal exceptions.

8. Security

We implement administrative, technical, and physical safeguards designed to protect personal information. No method of transmission over the Internet is completely secure; please use caution when submitting sensitive data and contact us if you suspect unauthorized access.

9. Your choices

You may opt out of marketing emails using the unsubscribe option in the site footer. You may request access, correction, or deletion of certain information by emailing hello@asktheresourcequeen.com. We will verify requests and respond as required by applicable law. Some information must be retained for regulatory compliance.

10. Children's privacy

The Site is not directed to children under sixteen, and we do not knowingly collect their personal information.

11. International visitors

If you access the Site from outside your country of residence, you understand that information may be processed in jurisdictions with different data protection laws.

12. Changes to this policy

We may update this Privacy Policy to reflect operational, legal, or regulatory changes. We will post the revised policy with a new effective date.

13. Contact us

Privacy questions or requests: hello@asktheresourcequeen.com.

14. Categories of personal information (summary)

Depending on your interactions, we may process identifiers, commercial information (policy types requested), internet activity, professional information, and in limited cases sensitive health information for underwriting with explicit authorization.

15. Marketing preferences

We segment email audiences by coverage interest to send relevant educational content. We do not share email lists with unrelated third parties for their independent marketing. You may adjust preferences by unsubscribing from marketing messages.

16. Cookies and analytics

We use essential cookies for security and session management. Analytics cookies help us understand aggregate traffic patterns. You can disable non-essential cookies in your browser; some features may not function optimally.

17. Do not track

Because there is no uniform industry standard for Do Not Track signals, we do not currently respond to DNT browser headers. You may still control cookies as described above.

18. State privacy rights

Residents of certain states may have additional rights to know, delete, correct, or opt out of specific processing activities. We will not discriminate against you for exercising privacy rights. Authorized agents may submit requests with proof of authority.

19. Data breach notification

If we discover a security incident that compromises personal information, we will notify affected individuals and regulators as required by applicable breach notification laws.

20. Policy retention for insurance files

Insurance applications, illustrations, and correspondence may be retained for periods mandated by state departments of insurance, typically ranging from five to ten years or longer for certain commercial accounts.