Hub City Insurance Group

Effective Date: October 23, 2026
Last Updated: October 23, 2026

Hub City Insurance Group (“Hub City Insurance Group,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit www.hubcityinsurancegroup.com, submit an online inquiry or insurance quote request, or communicate with our agency.

This policy should be read together with any separate privacy notices we provide to insurance applicants, policyholders, and other consumers when required by applicable law.

1. Information We Collect

Depending on your interactions with our agency, we may collect the following categories of information:

Personal identification and contact information

• Name, mailing address, email address, and telephone number.
• Information you provide when contacting us or requesting an insurance quote.

Insurance-related information

• Information about your home, automobile, property, household, business, or other insured interests.
• Information about your current insurance coverage, insurance needs, claims, and coverage preferences.
• Information reasonably necessary to obtain, evaluate, service, or maintain an insurance policy.

Financial and other sensitive information

When necessary for insurance-related services, we or the insurance companies and service providers working with us may collect financial information, payment-related information, and other information relevant to underwriting or servicing coverage. Certain health information may be collected in connection with life insurance or other applicable insurance products.

We handle nonpublic personal financial and health information in accordance with applicable privacy laws and any required separate notices or authorizations.

Website and technical information

When you visit our website, certain technical information may be collected automatically, depending on the website’s configuration. This may include your internet protocol (IP) address, browser type, device information, pages visited, referring website, and general usage information. Cookies and similar technologies may be used if enabled on our website.

2. How We Use Your Information

We may use personal information for legitimate business and insurance-related purposes, including to:

• Respond to questions, requests, and communications.
• Prepare, process, and facilitate insurance quotes and applications.
• Help identify insurance products and coverage options.
• Communicate with insurance companies, underwriters, and authorized service providers.
• Service policies, assist with claims-related inquiries, and respond to customer requests.
• Verify information, prevent fraud, and meet legal or regulatory obligations.
• Maintain, protect, and improve our website and services.
• Communicate information about our services when permitted by applicable law.

We will not use personal information for purposes materially different from those described in this policy without providing any notice or obtaining any consent required by law.

3. How We Share Your Information

We do not sell your personal information for money. However, we may disclose information when necessary or permitted for legitimate business and insurance-related purposes.

Depending on the services requested and applicable law, information may be shared with:

• Insurance companies and carriers: To obtain quotes, evaluate applications, determine eligibility, issue policies, and service coverage.
• Insurance intermediaries and authorized representatives: Such as managing general agents, wholesalers, or other insurance professionals involved in placing or servicing coverage.
• Service providers: Companies that assist with website hosting, customer communications, document processing, technology, security, or other business operations.
• Legal and regulatory authorities: When disclosure is required by law, regulation, legal process, or a legitimate regulatory inquiry.
• Other authorized parties: When you direct us to share information, authorize a disclosure, or when disclosure is otherwise permitted or required by law.

We limit disclosures of nonpublic personal financial and health information as required by applicable law. Certain disclosures may be permitted without an opt-out opportunity, while others may require advance notice or an opportunity to opt out.

4. Cookies and Website Technologies

Our website may use cookies, analytics tools, or similar technologies to support website functionality, understand website traffic, and improve the visitor experience.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

The specific cookies, analytics tools, and tracking technologies used depend on the website’s actual configuration and any third-party services integrated into it.

5. Protecting Your Information

We take reasonable measures designed to protect personal information against unauthorized access, use, alteration, and disclosure.

Depending on the information involved, safeguards may include access restrictions, secure systems, staff procedures, and oversight of service providers.

No method of electronic transmission or storage can be guaranteed to be completely secure. Please avoid sending Social Security numbers, payment card details, medical records, or other highly sensitive information through ordinary email or unsecured website forms unless we have provided an appropriate secure method.

6. How Long We Retain Information

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including insurance services, business operations, recordkeeping, dispute resolution, and compliance with applicable legal and regulatory requirements.

Retention periods vary depending on the type of information and the circumstances in which it was collected.

7. Your Privacy Choices and Rights

Depending on applicable law and the information involved, you may have rights or choices concerning your personal information, including the ability to:

• Request information about certain personal information we maintain.
• Request corrections to inaccurate information, where applicable.
• Opt out of certain disclosures of nonpublic personal financial information when an opt-out right applies.
• Withdraw consent for certain disclosures when permitted by law.
• Request information about our privacy practices.

To submit a privacy-related request, contact us using the information in the Contact Us section below.

We may need to verify your identity before responding. Certain information may be retained or disclosed when required or permitted by law.

Insurance privacy rights: Your rights under applicable insurance privacy laws may differ from general website privacy rights. Any required financial privacy notice, opt-out notice, or health information authorization will be provided separately when applicable.

8. Third-Party Websites and Services

Our website may contain links, embedded content, forms, or tools operated by third parties. Those third parties may collect information under their own privacy policies.

We are not responsible for the privacy practices of websites or services that we do not operate. We encourage you to review the privacy policies of any third-party website or service you use.

9. Children’s Privacy

Our website is intended for a general audience seeking insurance information and services. We do not knowingly collect personal information online from children under 13 for purposes requiring parental consent under applicable law.

If you believe a child has provided personal information to us inappropriately, please contact us so we can review the matter.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, website functionality, services, or applicable legal requirements.

When we make changes, we will update the “Last Updated” date above. Where required by applicable law, we will provide revised notices or additional disclosures in the required manner.

Please review this policy periodically to stay informed about our privacy practices.

11. Contact Us

If you have questions about this Privacy Policy or would like to submit a privacy-related request, please contact:

Hub City Insurance Group
396 E St John Street
Spartanburg, SC 29302