Collection of Your Personal Information

To better provide you with the products and services we offer, BFI may collect personally identifiable information, such as your:

• First and last name
• Mailing address
• Email address
• Phone number

If you purchase BFI's products and services, we collect billing and payment information to complete the purchase transaction.

We do not collect any personal information about you unless you voluntarily provide it. However, you may need to provide certain personal information when you elect to use certain products or services — for example, when you (a) register for an account, (b) sign up for special offers from selected third parties, (c) send us an email, or (d) submit payment information when ordering and purchasing products and services. We use your information to communicate with you about the services and products you have requested. We may also gather additional personal or non-personal information in the future.

Use of Your Personal Information

BFI collects and uses your personal information to operate and deliver the services you have requested. BFI may also use your personally identifiable information to inform you of other products or services available from BFI and its affiliates.

Sharing Information With Third Parties

BFI does not sell, rent, or lease its customer lists to third parties.

From time to time, BFI may contact you on behalf of external business partners about an offering that may interest you. In those cases, your unique personally identifiable information (email, name, address, telephone number) is transferred to the third party. BFI may also share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to BFI, and they are required to maintain the confidentiality of your information.

BFI may disclose your personal information, without notice, if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the law or comply with legal process served on BFI or the site; (b) protect and defend the rights or property of BFI; and/or (c) act under exigent circumstances to protect the personal safety of users of BFI or the public.

Opt-Out of Disclosure of Personal Information to Third Parties

In connection with any personal information we may disclose to a third party for a business purpose, you have the right to know the categories of personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt out of the disclosure of your personal information. If you exercise this right, we will refrain from disclosing your personal information unless you subsequently provide express authorization. To opt out, contact us using the details in the Contact Information section below.

Tracking User Behavior

BFI may keep track of the websites and pages our users visit within BFI in order to determine which BFI services are the most popular. This data is used to deliver customized content and advertising within BFI to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by BFI. This information can include your IP address, browser type, domain names, access times, and referring website addresses. It is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the BFI website.

Links to Other Sites

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of those other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Right to Deletion

Subject to certain exceptions, upon receipt of a verifiable request from you, we will delete your personal information from our records and direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with a request to delete your personal information if it is necessary to:

• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you (or reasonably anticipated within the context of our ongoing business relationship with you), or otherwise perform a contract between you and us;
• Detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, ensure the right of another consumer to exercise their right of free speech, or exercise another right provided for by law;
• Comply with the California Electronic Communications Privacy Act;
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
• Comply with an existing legal obligation; or
• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

BFI does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe From Third-Party Communications

We respect your privacy and give you the opportunity to opt out of receiving announcements of certain information. You may opt out of receiving any or all communications from third-party partners of BFI by contacting us:

• Email: robert@betterfloodinsurance.com
• Phone: 1-866-990-7482

Email Communications

From time to time, BFI may contact you via email to provide announcements, promotional offers, alerts, confirmations, surveys, and other general communication. If you would like to stop receiving marketing or promotional emails from BFI, you may opt out by clicking the unsubscribe link in any such email.

Changes to This Privacy Policy

BFI reserves the right to change this Privacy Policy from time to time. It is our policy to post any changes we make on this page. If we make material changes to how we treat our users' personal information, we will notify you by email to the address specified in your account and/or by placing a prominent notice on our website. The date the Privacy Policy was last revised is identified at the top of this page. Your continued use of the website and/or services after such modifications constitutes your acknowledgment of the modified Privacy Policy and your agreement to abide by it. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically reviewing this page for changes.

Contact Information

BFI welcomes your questions or comments regarding this Privacy Policy. If you believe that BFI has not adhered to this Statement, please contact us at:

Refund Policy

Your flood insurance policy is paid in full for the full-year, 12-month service period. In the event of cancellation of the policy by the Assured, a minimum earned premium of 25% as of inception shall become earned, any conditions of the policy to the contrary notwithstanding. All policy fees and broker fees are fully earned.

In the event of cancellation by the Underwriters for non-payment by the Assured, the minimum premium shall be due and payable; provided, however, that such non-payment cancellation shall be rescinded if the Assured remits the full premium within 10 days of receiving notice of it.

In the event of any other cancellation by the Underwriters, the earned premium shall be computed pro rata, not subject to the minimum premium.

To ask questions or comment about this Privacy Policy, our privacy practices, or our refund policy, contact us using the details in the Contact Information section above, or email susie@betterflood.com.