Ink Insurance Services, LLC (“Ink,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy and Applicant Privacy Notice explains how we collect, use, disclose, retain, and protect personal information when you:

  • Visit inkinsurance.com or another website or online service operated by Ink
  • Request information or an insurance quote
  • Apply for Personal Guarantee Insurance
  • Communicate with us, an insurance producer, a lender, or another partner
  • Purchase, renew, administer, or make a claim under an insurance policy
  • Otherwise interact with Ink

Ink acts as an insurance producer and managing general agent. Insurance coverage is issued by an unaffiliated insurance company. The issuing insurer may provide you with a separate privacy notice describing its own practices.

This Privacy Policy applies to current and former website visitors, applicants, insureds, guarantors, policyholders, claimants, and other individuals whose information we process. Additional notices may apply in particular states or circumstances. Where another notice applies to a specific product, service, or transaction, that notice will supplement this Privacy Policy.

1. Personal Information We Collect

The information we collect depends on how you interact with us and may include the following categories.

Information You Provide to Us

We may collect:

  • Contact and identifying information, such as your name, email address, telephone number, mailing address, date of birth, and state of residence
  • Sensitive identifying information, such as your Social Security number, taxpayer identification number, driver’s license information, or other government-issued identifiers
  • Business information, such as business names, ownership interests, industry, operating history, management experience, locations, employees, revenue, expenses, and financial performance
  • Loan and transaction information, such as lender information, SBA loan information, loan amount, loan purpose, proposed closing date, acquisition details, equity contribution, collateral, guarantors, and personal-guarantee obligations
  • Personal and business financial information, such as income, assets, liabilities, net worth, liquidity, financial statements, tax documents, bank information, credit information, and other underwriting information
  • Insurance application information, including your responses to eligibility, underwriting, risk, ownership, and coverage questions
  • Policy and transaction information, such as requested and issued coverage, limits, deductibles, premiums, payments, policy dates, renewals, cancellations, and policy servicing activity
  • Claims information, including information relating to a default, loss, liquidation, lender recovery, legal proceeding, settlement, or claim under a policy
  • Documents and files you upload or provide to us, including loan documents, SBA forms, personal financial statements, purchase agreements, lender correspondence, and supporting records
  • Communications, such as emails, telephone calls, meeting notes, support requests, survey responses, and other correspondence
  • Marketing preferences, including whether you have requested information or consented to receive promotional communications

Please do not provide personal information about another individual unless you are authorized to provide it. Each applicant or guarantor may be required to separately review and sign applicable authorizations.

Information We Receive from Other Sources

We may receive information from:

  • SBA lenders, banks, loan brokers, financial institutions, and other parties involved in your financing
  • The U.S. Small Business Administration and other government agencies
  • Consumer reporting agencies and credit bureaus
  • Identity-verification, fraud-prevention, sanctions-screening, and business-verification providers
  • Insurance companies, reinsurers, insurance producers, surplus-lines brokers, claims administrators, and other insurance-market participants
  • Public records, government filings, court records, lien records, and commercially available databases
  • Your authorized representatives, advisers, accountants, attorneys, business partners, or referral sources
  • Data, analytics, and marketing partners

Information Collected Automatically

When you use our website or online services, we may automatically collect:

  • IP address and approximate location
  • Browser, operating system, and device information
  • Pages viewed, links selected, referring pages, and interaction data
  • Dates, times, and duration of visits
  • Form progress, technical logs, and error information
  • Cookie identifiers and similar online identifiers

We may associate this information with other information we maintain about you.

2. Consumer Reports and Credit Information

With your authorization and as permitted by applicable law, Ink, the issuing insurer, and their authorized underwriting partners may obtain consumer reports, including credit reports, about you in connection with:

  • Evaluating an insurance application
  • Underwriting, pricing, or determining the terms of coverage
  • Verifying identity and application information
  • Issuing, renewing, extending, administering, or reviewing coverage
  • Detecting or preventing fraud

Your consumer-report authorization is presented separately from this Privacy Policy. This Privacy Policy does not constitute your authorization to obtain a consumer report.

Information from a consumer report may affect whether coverage is offered and may affect the premium, deductible, coverage amount, or other policy terms. If Ink or the insurer takes an adverse action based in whole or in part on information in a consumer report, the responsible party will provide any notice required by applicable law.

We do not use consumer reports, Social Security numbers, personal financial statements, or uploaded underwriting documents for targeted advertising.

3. How We Use Personal Information

We may use personal information to:

  • Determine eligibility for Personal Guarantee Insurance
  • Evaluate, verify, underwrite, price, quote, issue, bind, renew, extend, modify, or decline insurance coverage
  • Determine appropriate coverage limits, deductibles, premiums, and policy terms
  • Verify information with lenders, the SBA, applicants, guarantors, and third-party sources
  • Administer policies, collect premiums, process payments, and provide policy services
  • Evaluate, investigate, process, adjust, defend, or resolve claims
  • Communicate with you about your application, quote, policy, payment, renewal, claim, or account
  • Communicate with your lender, insurance producer, authorized representative, or other transaction participant
  • Verify identity and prevent fraud, misrepresentation, money laundering, sanctions violations, cybersecurity threats, or unlawful activity
  • Meet insurance licensing, surplus-lines, tax, stamping-office, regulatory, audit, recordkeeping, and reporting obligations
  • Respond to subpoenas, court orders, governmental requests, or other legal process
  • Maintain, secure, test, analyze, and improve our website, application, underwriting processes, models, products, and operations
  • Conduct actuarial, statistical, risk, and portfolio analysis
  • Create aggregated or de-identified data that cannot reasonably be linked to an identifiable individual
  • Respond to inquiries and provide customer support
  • Send marketing communications, where permitted by law and consistent with your preferences
  • Protect the rights, property, security, and integrity of Ink, our partners, and other persons
  • Carry out another purpose disclosed to you when the information is collected

We may use rules, models, scoring methods, and automated tools to assist with underwriting, pricing, fraud detection, verification, and business operations. These tools do not limit any rights you may have under applicable law.

Ink does not make lending decisions and does not modify or release your obligations to your lender under a personal guarantee.

4. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients.

Insurance Companies and Reinsurers

We may disclose information to the issuing insurer, prospective insurers, reinsurers, underwriting partners, claims administrators, and other insurance-market participants as necessary to quote, underwrite, issue, administer, renew, reinsure, or service coverage and process claims.

Lenders and Transaction Participants

We may receive information from and disclose information to SBA lenders, banks, loan brokers, financing sources, insurance producers, and other parties involved in your loan or transaction.

With your authorization or as otherwise permitted by law, this may include application status, quote status, policy status, effective dates, coverage limits, deductibles, premiums, cancellation or renewal information, and other information reasonably necessary to complete or administer your transaction.

Service Providers

We may disclose information to vendors that provide services on our behalf, such as:

  • Application and form-hosting services
  • Cloud storage and hosting providers
  • Customer relationship management systems
  • Consumer-reporting and verification providers
  • Identity and fraud-prevention providers
  • Payment processors
  • Document, electronic-signature, and communication providers
  • Data analytics, actuarial, and underwriting-support providers
  • Cybersecurity, information-technology, and support providers
  • Accounting, audit, tax, legal, and compliance providers

These providers may use personal information only as necessary to provide services to us or as otherwise permitted by applicable law and contract.

Consumer Reporting and Verification Providers

We may provide identifying and application information to consumer reporting agencies and verification providers as necessary to request reports, verify information, prevent fraud, administer disputes, or comply with applicable law.

Insurance Regulators and Government Authorities

We may disclose information to insurance departments, surplus-lines authorities, stamping offices, tax authorities, the SBA, law-enforcement agencies, courts, and other governmental or regulatory bodies when required or permitted by law.

Professional Advisers

We may disclose information to attorneys, accountants, auditors, actuaries, consultants, and other professional advisers who assist us with our business, regulatory obligations, disputes, or transactions.

Fraud Prevention and Legal Protection

We may disclose information to insurers, industry databases, investigators, law-enforcement agencies, and other appropriate parties to identify, investigate, report, prevent, or respond to suspected fraud, misrepresentation, security incidents, illegal activity, or threats to persons or property.

Corporate Transactions

We may disclose or transfer information in connection with a proposed or completed financing, merger, acquisition, reorganization, sale of assets, bankruptcy, insolvency, or similar corporate transaction, subject to appropriate confidentiality protections and applicable law.

At Your Direction

We may disclose information to another person when you request, authorize, or direct us to do so.

5. Financial and Insurance Privacy

We collect nonpublic personal information from:

  • Applications, forms, documents, and communications you provide
  • Transactions with us, the issuing insurer, lenders, and other parties
  • Consumer reporting agencies, verification providers, lenders, government sources, and other third parties

We may disclose nonpublic personal information to affiliated and nonaffiliated parties as described in this Privacy Policy and as permitted or required by law. This includes disclosures necessary to process, underwrite, issue, service, administer, reinsure, or enforce an insurance transaction, prevent fraud, comply with law, or perform services on our behalf.

Where applicable law gives you a right to opt out of a category of disclosure, we will provide an appropriate notice and opportunity to exercise that right before making the disclosure.

We restrict access to nonpublic personal information to personnel and service providers who need the information for legitimate business, insurance, legal, or compliance purposes. We apply these protections to information concerning current and former applicants and policyholders.

Because Personal Guarantee Insurance relates to a commercial loan or business transaction, certain consumer financial privacy laws may not apply in the same manner as they would to a product obtained primarily for personal, family, or household purposes. We nevertheless handle applicant and policyholder information in accordance with this Privacy Policy and applicable insurance, consumer-reporting, data-security, and privacy laws.

6. Sale, Sharing, and Targeted Advertising

We do not sell personal information for money.

We do not sell or disclose consumer reports, Social Security numbers, personal financial statements, application documents, or other sensitive underwriting information for third-party advertising.

On our public website, we may use analytics and advertising technologies to measure website activity, understand marketing performance, and provide relevant advertising. These technologies may allow third parties to collect online identifiers and internet activity over time and across different websites.

Depending on applicable state law, certain public-website advertising activities may be considered a “sale,” “sharing,” or use for “targeted advertising,” even when no money is exchanged.

Where required, you may opt out through our cookie preference tool, a legally recognized browser-based opt-out signal, or by contacting us. We do not use advertising cookies or third-party advertising pixels within secure insurance application or claims forms.

7. Cookies and Online Technologies

We and our service providers may use cookies, pixels, software development kits, local storage, and similar technologies for:

  • Essential functions, including security, navigation, form operation, and authentication
  • Preferences and functionality, including remembering selections and improving your experience
  • Analytics, including measuring traffic, performance, and website usage
  • Advertising and marketing, including measuring campaigns and delivering relevant advertising on public website pages

You may manage optional cookies through our cookie preference tool or your browser settings. Disabling certain cookies may affect website functionality.

Where required by law, we recognize and process applicable browser-based opt-out preference signals.

8. Marketing Communications

You may unsubscribe from promotional emails by using the unsubscribe link in the message or contacting us through our online contact form.

Even if you opt out of marketing communications, we may continue to send nonpromotional communications relating to an application, quote, policy, payment, claim, legal notice, or existing business relationship.

We will obtain consent before sending text messages or other communications where consent is required by law.

9. Data Retention

We retain personal information for as long as reasonably necessary to:

  • Process and document applications and underwriting decisions
  • Administer and service policies
  • Process and defend claims
  • Comply with insurance, tax, accounting, audit, consumer-reporting, and regulatory requirements
  • Meet obligations imposed by insurers, reinsurers, contracts, and regulators
  • Resolve disputes and enforce agreements
  • Prevent fraud and maintain security
  • Establish, exercise, or defend legal claims

Retention periods vary based on the type of information, the state involved, the status of an application or policy, and applicable legal or contractual requirements.

When personal information is no longer required, we may delete, destroy, anonymize, or de-identify it in accordance with our records-retention and information-security practices.

10. Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure.

These measures may include encryption, access restrictions, multifactor authentication, logging, vendor controls, secure transmission, employee training, incident-response procedures, and security testing.

No system or method of transmitting or storing information can be guaranteed to be completely secure. If a security incident occurs, we will investigate and provide legally required notifications.

11. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

  • Confirm whether we process your personal information
  • Request access to personal information we maintain about you
  • Request correction of inaccurate personal information
  • Request deletion of personal information, subject to legal and regulatory exceptions
  • Obtain a portable copy of certain personal information
  • Opt out of the sale or sharing of personal information
  • Opt out of targeted advertising
  • Opt out of certain profiling or automated processing
  • Limit certain uses or disclosures of sensitive personal information
  • Request information about categories of information collected, used, or disclosed
  • Appeal a decision concerning a privacy request
  • Exercise your rights without unlawful discrimination

Insurance and consumer-reporting laws may provide additional rights to access or request correction of recorded personal information. They may also impose limitations on deletion or other requests where information must be retained for underwriting, policy administration, claims, fraud prevention, regulatory, or legal purposes.

To exercise a privacy right, contact us through our online contact form. We may need to verify your identity and authority before processing a request. An authorized agent may submit a request where permitted by law, subject to verification.

We will respond within the period required by applicable law.

12. Consumer-Report Disputes

If you believe information in a consumer report is inaccurate or incomplete, you may have the right to dispute that information directly with the consumer reporting agency that provided the report.

If an adverse-action notice identifies a consumer reporting agency, that agency did not make Ink’s or the insurer’s underwriting decision and generally cannot explain the specific reasons for the insurance decision.

You may also contact Ink regarding information that Ink provided or used, subject to applicable law.

13. Third-Party Websites and Services

Our website and application may contain links to or integrations with third-party websites, lenders, insurers, payment processors, document providers, and other services.

This Privacy Policy does not govern a third party’s independent collection or use of information. We encourage you to review the third party’s privacy notice before providing information directly to that party.

14. Children’s Privacy

Ink’s products and services are intended for adults and businesses. We do not knowingly collect personal information from children under 18.

If you believe a child has provided personal information to us, contact us through our online contact form so that we can review and address the information as appropriate.

15. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, products, technology, legal requirements, or business operations.

When we make changes, we will update the effective date and post the revised Privacy Policy on our website. Where required by law, we will provide additional notice or obtain consent.

16. Contact Us

For questions, complaints, or requests concerning this Privacy Policy or our privacy practices, please contact us through our contact form.

Ink Insurance Services, LLC
3112 Windsor Road, Austin, TX 78703