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Neptune Flood Privacy Policy

Neptune appreciates the trust you place in us when you ask us to help protect you and your assets.  You trust us with your private, personal information when you purchase insurance from us, and we are committed to protecting your privacy.  This Privacy Policy explains how Neptune collects, uses, shares, and safeguards your information.

Information We Collect

Depending on how you interact with Neptune and our services, we may collect your personal information directly from you, from your voluntary interactions with our website and services, from your insurance agent, and from other third parties such as service providers and partners. 

Categories include:

  • Contact information you or your agent provide on quotes, applications, or other forms, such as your name, address, e-mail, and phone number
  • Information we obtain from your transactions with us, such as payment history, claims information, and coverage details
  • Information we receive from third parties, such as claims history with other insurance carriers, or industry data providers
  • Information we receive from your insurance agent or broker, such as updated information pertaining to your account
  • Internet/technical data (IP address, cookies, device data)

Information Collected from Neptune’s Websites

Neptune collects personal information (for example, your name, address, e-mail address, and phone number) on our website only when you or your insurance agent voluntarily provide it to us. When you simply browse our website without submitting information, we can identify your Internet domain but we do not collect your individual email address or other identifying information.  

Employees, Applicants, and Investors

We also process personal information of:

  • Employees and job/contractor applicants, in compliance with employment and labor laws
  • Whistleblowers, in compliance with Sarbanes-Oxley Act confidentiality protections

Sensitive Personal Information

Certain personal information we collect may constitute “Sensitive Personal Information” under applicable privacy laws, such as insurance policy numbers and login credentials. Neptune uses Sensitive Personal Information only as reasonably necessary to provide insurance services, comply with legal and regulatory obligations, prevent fraud, and ensure data security. We do not use Sensitive Personal Information for purposes beyond those permitted by law.

How We Use Information

We treat your information with respect and concern for your privacy.  We may use personal information to:

  • Process applications, provide and service insurance products, collect payments, and confirm transactions
  • Verify identity and prevent fraud
  • Conduct analytics and improve services
  • Market our products and notify you of new products or services and special offers
  • Communicate with you
  • Fulfill legal, regulatory, and corporate obligations

Information Sharing

We may share information with:

  • Our insurance partners and independent insurance agencies for account and policy processing, servicing, and claims
  • Lenders who are authorized to obtain policy information
  • Service providers for analytical, marketing, and advertising purposes
  • Regulators, auditors, and legal authorities as required by law
  • Third parties in connection with corporate transactions (mergers, acquisitions, financing, asset transfers)

Before disclosing your information, we require the third parties to keep it confidential and to use it only for the transaction we request. 

We do not sell personal information, as defined under applicable privacy laws. We may engage in limited sharing of personal information for purposes such as analytics and advertising measurement, which may constitute “sharing” under certain state privacy laws. Where required by law, you may opt out of such sharing.

Independent Agents

The independent insurance agents authorized to sell Neptune products and services are not Neptune employees, but they are subject to strict confidentiality provisions and this Privacy Policy to the extent they sell or service our products. Because they have a unique business relationship with you, they may have additional personal information about you that Neptune does not. They may use this information differently than Neptune.  You should contact your independent agent to learn more about their privacy practices and policies.

Cookies & Tracking Technologies

We use cookies and similar tools for functionality, analytics, and marketing.  Categories of cookies include:

  • Essential: these cookies assist with our performance and improve website functionality.
  • Analytics: these cookies help us keep track of site usage, user preferences, and website performance.
  • Marketing/Advertising: these cookies help us give a more personalized experience and to personalize our advertising to you.

If you would like to update your cookie preferences, click here.

Data Retention

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

  • Provide our services
  • Meet legal, tax, accounting, and regulatory requirements
  • Enforce our agreements
  • Comply with applicable recordkeeping and financial reporting requirements

Neptuneflood.com contains links to other websites. These websites are not under Neptune’s direct control, and they may collect information about you that Neptune does not.  We are not responsible for the privacy practices or content of linked websites.   

Protecting Your Information From Unauthorized Access

Browsers and Security

We use security measures that comply with applicable laws to protect your information from unauthorized use.  These include encryption, firewalls, physical safeguards, and access controls to protect personal information that consider the nature of the personal information and the processing and the threats posed.  Our servers are located in the United States and are designed to prevent unauthorized access.

We also incorporate cybersecurity into our enterprise risk management program, overseen by our Board of Directors.

Your Privacy Rights

U.S. State Privacy Rights

Certain states, including California, Colorado, Connecticut, Montana, Nevada, Oregon, Texas, Utah, Virginia, and Washington, have additional privacy requirements.  Depending on your jurisdiction, you may have the following rights:

  • Right to Know/Access: You may request details on the categories and specific pieces of personal information we have collected, disclosed, or sold about you.
  • Right to Delete: You may request deletion of your personal information, subject to certain legal exceptions for circumstances in which we are required to retain your personal information (e.g., for regulatory, contractual, or fraud-prevention purposes).
  • Right to Correct: You may request correction of inaccurate personal information.
  • Right to Object or Restrict: You may object to, or request the restriction of, data processing.
  • Right to Data Portability: You may have the right to receive your personal information in an electronic and readily-usable format and you have the right to transmit that data to another controller.
  • Right to Opt-Out of Sale/Sharing: We do not sell personal information.  We may engage in limited sharing of personal information for cross-context behavioral advertising or advertising measurement, and you may opt out of such sharing where required by law.
  • Right to Limit Use of Sensitive Personal Information: Where applicable, you may restrict our use of sensitive personal information to essential business purposes.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your rights.
  • Right to File Complaints: You have the right to file complaints against us with regulatory authorities

California (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”):

  • Right to Know/Access
  • Right to Delete
  • Right to Correct
  • Right to Opt-Out of Sale/Sharing
  • Right to Limit Use of Sensitive Personal Information
  • Right to Non-Discrimination

For California-specific disclosures, visit our Privacy Notice for California Residents.

Colorado (CPA), Connecticut (CTDPA), Virginia (VCDPA), and Utah (UCPA)

Residents of these states have privacy rights that closely align with the CCPA/CPRA. Depending on your state of residence, you may exercise the following:

  • Right to Access and Data Portability
  • Right to Delete
  • Right to Correct
  • Right to Opt-Out of targeted advertising, sale of personal data, or profiling
  • Right to Appeal if we decline to act on your request.

Nevada

Under Nevada law, consumers may opt out of the sale of their personal information. While we do not sell personal data, we will honor valid opt-out requests.

Other State Laws

We will comply with applicable obligations under emerging U.S. privacy laws as they take effect, including Texas, Oregon, Montana, and others.

Exercising Your Rights

You may exercise your rights under any applicable state privacy law by contacting us at:

Email: [email protected]

You can also opt out of non-policy related communications from us by clicking on the “unsubscribe” link at the bottom of any Neptune e-mail. 

Response Timing and Format

To protect your privacy, we may take steps to verify your identity before fulfilling your request.  We endeavor to respond to a verifiable consumer request within the timelines required by law (generally 45 days of receipt, with possible extensions). If we require more time, we will inform you of the reason and extension period in writing.  Authorized agents may submit requests on your behalf where permitted.  We will deliver our written response to you electronically. 

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt.  The response we provide will also explain the reasons we cannot comply with a request, if applicable.  For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

International Users

If you are located outside the United States (e.g., in the EU/EEA or UK), we will process your data in accordance with GDPR and other applicable laws, including reliance on appropriate transfer mechanisms (e.g., Standard Contractual Clauses).

Data Breach & Incident Response

If a data breach occurs, we will notify affected individuals and relevant authorities in accordance with federal and state breach notification laws.

We will also disclose material cybersecurity incidents in accordance with U.S. Securities and Exchange Commission (“SEC”) reporting obligations.

Children’s Privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from them.

Changes to this Policy

We may need to update this Privacy Policy from time to time. We will post the most current, updated version on our Website, with its effective date.  Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Us

If you have any questions about this Privacy Policy or Neptune’s privacy practices, or for privacy-related requests, please contact us as follows:

By e-mail to: [email protected]

By mail to:

Neptune Flood Insurance

400 6th Street South

St. Petersburg, FL 33701

For investor-related privacy inquiries please e-mail us at: [email protected]