Privacy Policy

Last Modified: February 12, 2024

Commitment to Privacy

Garrett Agencies values your business and we thank you for your confidence in choosing our firm as your source for insurance advice. We are committed to protecting your privacy. We respect your privacy, and want you to understand how we safeguard your personal information. Users can access GARRETT AGENCIES LTD. Online Services through our website on and on devices.

A "device" is any computer used to access GARRETT AGENCIES LTD. Online Services, including without limitation a desktop, laptop, mobile phone, tablet, or other consumer electronic devices.

This Privacy Policy governs your access of GARRETT AGENCIES LTD. Online Services, regardless of how you access them, and by using our Online Services you consent to the collection, transfer, processing, storage, disclosure, and other uses described in this Privacy Policy. All of the different forms of data, content, and information described below are collectively referred to as "information".

1. The information We Collect and Store

When you do business with GARRETT AGENCIES LTD., you share personal, medical, and financial information so that we may provide you with products and services that best meet your needs. We may also share your information with third-party insurance planning firms with whom we are affiliated when necessary, in order to provide you with the best advice, products, and experience. When you disclose this information to us we assume your consent for our firm to use this information in an appropriate manner. We may use and disclose this information in order to:

  1. Communicate with you in a timely and efficient manner
  2. Assess your application for insurance and other services available to you by our firm
  3. Assess your insurance needs and contact you with suitable products available in the marketplace
  4. Evaluate claims and underwriting tasks when required
  5. Detect and prevent fraud
  6. Analyze business results
  7. Act as required or authorized by law

We may collect and store the following information when running GARRETT AGENCIES LTD. Online Services:

Information You Provide

When you register an account, we collect some personal information, such as your name, phone number, credit card or other billing information, email address, and home and/or business postal addresses.

Forms and Files

We collect and store the data that users input into forms. We do this to ensure the service is functional, responsive, and secure.

Log Data

When you use our Online Services, we automatically record information from your Device, its software, and your activity using the Services. This may include the Device's Internet Protocol ("IP") address, browser type, the web page visited before you came to our website, information you search for on our website, locale preferences, identification numbers associated with your Devices, your mobile carrier, date and time stamps associated with transactions, system configuration information, metadata concerning your Forms and Files, and other interactions with the service.


We also use "cookies" to collect information to improve our Services. A cookie is a small data file that we transfer to your device. We may use "persistent cookies" to save your registration ID and login password for future logins to the Services. We may use "session ID cookies" to enable certain features of the Services, to better understand how you interact with the Services and to monitor aggregate usage and web traffic routing on the Services. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all aspects of the Services.

Use of Microsoft Clarity

We use Microsoft Clarity to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Use of Google Analytics

We employ Google Analytics to understand how visitors engage with our website. Google Analytics uses cookies and other tracking technologies to collect information about your interactions with our site, such as the pages you visit, the time spent on those pages, and the links you click on. This data helps us analyze and improve our website's performance, understand user behavior, and tailor our content and marketing strategies to better meet your needs.

Google Analytics collects information anonymously, reporting website trends without identifying individual visitors. We use this aggregated information to gain insights into how our website is used, which assists us in our commitment to provide you with a more relevant and effective user experience.

For more detailed information on how Google collects and processes your data, please visit the Google Privacy & Terms web page. If you prefer to opt out of Google Analytics tracking, Google provides a Google Analytics opt-out browser add-on, which you can find at Google Analytics Opt-out Browser Add-on.

By using our website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

2. How We Use Personal Information

Personal Information

In the course of using the Services, we may collect personal information that can be used to contact or identify you ("Personal Information"). Personal Information is or may be used: (i)to provide and improve our Service, (ii) to administer your use of the Services, (iii) to better understand your needs and interests, (iv) to personalize and improve your experience, and (v) to provide or offer software updates and product announcements. If you no longer wish to receive communications from us, please follow the "unsubscribe" instructions provided in any of those communications.

Geo-Location Information

Some Devices allow applications to access real-time location-based information (for example, GPS). Some forms you or any end-user complete may contain recorded location information. We may use this information to optimize your experience. Also, some of the information we collect from a Device, for example IP address, can sometimes be used to approximate a Device's location.


We also collect some information (ourselves or using third party Services) using logging and cookies, such as IP address, which can sometimes be correlated with Personal Information. We use this information for the above purposes and to monitor and analyze use of the Services, for the Service's technical administration, to increase our Service's functionality and user-friendliness, and to verify users have the authorization needed for the Service to process their requests. As of the date this policy went into effect, we use Google Analytics and Microsoft Clarity. To learn more about the privacy policy of Google Analytics and Microsoft Clarity we encourage you to go to their website.

3. Information Sharing and Disclosure

Your Use

We will display your Personal Information in your profile page and elsewhere on the Services according to the preferences you set in your account. Any information you choose to provide should reflect how much you want others to know about you. Please consider carefully what information you disclose in your profile page and your desired level of anonymity. You can review and revise your profile information at any time. We do not sell your personal information to third parties.

Service Providers, Business Partners and Others

We may use certain trusted third party companies and individuals to help us provide, analyze, and improve the Services (including but not limited to data storage, maintenance Services, database management, web analytics, payment processing, and improvement of the Service's features). These third parties may have access to your information only for the purposes of performing these tasks on our behalf and under obligations similar to those in this Privacy Policy.

Third Party Applications

As of the date this policy has gone into effect, our Online Services do not integrate with any third party applications, but may do so in the future with your consent to improve our Services. We may share your information with a third party application with your consent, for example when you choose to access our Services through such an application, or have a form electronically signed through such an application. We are not responsible for what those parties do with your information, so you should make sure you trust the application and that it has a privacy policy that is acceptable to you.

Compliance with Laws and Law Enforcement Requests; Protection of GARRETT AGENCIES LTD.'s Rights.

We may disclose to parties outside GARRETT AGENCIES LTD. and information about you that we collect when we have a good faith belief that disclosure is reasonably necessary to (a) comply with the law, regulation or compulsory legal request; (b) protect the safety of any person from death or serious bodily injury; (c) prevent fraud or abuse of GARRETT AGENCIES LTD.'s encryption from the files before providing them to law enforcement.

Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction, but we will notify you (for example via email and/or a prominent notice on our website) of any change in control or use of your Personal Information, Forms or Files or if any of these become subject to a different Privacy Policy. We will also notify you of choices you may have regarding the information.

Non-Private or Non-Personal Information

We may disclose your non-private, aggregated, or otherwise non-personal information, such as usage statistics of our service.

What We Will Not Do

We do not sell client information to anyone. We do not, and will never, share client information with third-parties that would use it for the purposes of contacting you about their own products and services.

4. Changing or Deleting Your Information

If you are a registered client/user, you may review, update, correct, or delete the Personal Information provided in your registration or account profile by changing your "account settings". If your personally identifiable information changes, or if you no longer desire our service, you may update or delete it by making the change on your account settings. In some cases we may retain copies of your information if required bylaw. For questions about your Personal Information on our Service, please contact We will respond to your inquiry within 2 business days.

5. Data Retention

We will retain your information for long as your account is active or as needed to provide you Services. If you wish to cancel your account or request that we no longer use your information to provide you Services please email We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Consistent with these requirements, we will try to delete your information quickly upon request. Please note, however, that there might be latency in deleting information from our servers and backed-up versions might exist after deletion.

6. Garrett Agencies Ltd. Community

Our service uses publicly accessible community Services such as social networks, and blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others that access them. Such information could be used to send you unsolicited messages. Your posts may remain even after you cancel your account. We welcome testimonials and feedback. However should you choose to submit a testimonial and/or feedback, please be aware it will be subject to the same policy outlined here. For questions about your personal information on our Service, please contact Our Site may include links to other Web site whose privacy practices may differ from those of GARRETT AGENCIES LTD. If you submit your personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

7. Security

The security of your information is important to us. GARRETT AGENCIES LTD. uses bank-level data-security (the same procedures and level of encryption that banks do). This security technology (128 bit SSL) encrypts personal information you send us, so it cannot be read by anyone as it travels across the internet. We follow generally accepted standards to protect the information submitted to us, both during transmission and once we receive it. No method of electronic transmission or storage is 100% secure, however. Therefore, we cannot guarantee its absolute security. We continue to evaluate and adopt new security technology as it becomes available. If you have any questions about security on our website, you can contact us at

8. Contacting Us

If you have any questions about this Privacy Policy, please contact us at

9. Changes to our Privacy Policy

This Privacy Policy may change from time to time. If we make a change to this privacy policy that we believe materially reduces your rights, we will provide you with notice (for example, by email). And we may provide notice of changes in other circumstances as well. By continuing to use our Services after those changes become effective, you agree to be bound by the revised Privacy Policy.

10. Your Privacy Choices

You may withdraw your consent at anytime (subject to legal or contractual obligations and on providing us reasonable notice) by emailing Please be aware that by withdrawing your consent you may restrict or entirely prevent us from providing you with requested products and services.