Privacy Policy
Privacy Policy- Spire America Holdings Inc.
Last Updated: 9/16/2024
Spire America Holdings Inc., operating as Top O Michigan Insurance Solutions and Spire Insurance Solutions (“Spire,” “we,” “us,” or “our”), is committed to protecting the privacy of personal information you provide when you visit our website and use our services. This Privacy Policy explains the information we may collect, how we use and share it, and your rights regarding your personal information.
- Introduction and Acceptance of Terms
This Privacy Policy applies to Spire America Holdings Inc. and its subsidiaries. Before using our Site, please carefully read this Privacy Policy. By using the Site, creating an account, providing information to us (by any means, whether in correspondence, via our Site, or otherwise), or using our services, you acknowledge that you have read, understood, and consent to be bound by this Privacy Policy.
If you do not agree with this Privacy Policy or our practices, you may not use our Site.
- What is Personal Information?
Personal Information is generally information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person.
- Information We Collect
We may collect, use, store and transfer different kinds of personal information about you, including:
- Identity Data: Name, date of birth, social security number, driver’s license number
- Contact Data: Address, email address, phone number
- Financial Data: Payment information, bank account details, credit score
- Insurance Data: Policy information, claims history
- Technical Data: IP address, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform
- Usage Data: Information about how you use our website, products, and services
- Marketing and Communications Data: Your preferences in receiving marketing from us and our communication preferences
We collect this information when you:
- Fill out forms on our website
- Apply for insurance coverage
- File a claim
- Contact us via phone, email, or chat
- Use our website
We may also collect information from third parties, such as credit reporting agencies, other insurers, or publicly available sources.
- How We Use Your Information
We will only use your personal information when the law allows us to. Most commonly, we will use your personal information to:
- Provide insurance quotes and services
- Process claims
- Communicate with you about your policy
- Improve our services
- Comply with legal obligations
- Send you marketing communications (with your consent)
- Sharing Your Information
We may share your information with:
- Insurance carriers
- Claims adjusters
- Service providers (e.g., payment processors, IT services)
- Legal and regulatory authorities
- Professional advisers including lawyers, bankers, auditors, and insurers
We do not sell your personal information to third parties.
- Data Security
We have implemented appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
- Your Rights
Depending on your location and applicable laws, you may have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your information
- Object to processing of your personal information
- Request restriction of processing your personal information
- Request transfer of your personal information
- Withdraw consent
To exercise these rights, please contact us using the information provided in the “Contact Us” section.
- Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track activity on our Site and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
- Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
- Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date at the top of this Privacy Policy.
- Contact Us
If you have any questions about this Privacy Policy or our practices, please contact us at:
Spire America Holdings Inc.
514 N. Ripley Blvd.
Alpena, MI 49707
800-686-8664
