1. Information We Collect

Kevin Brown Insurance Agency (“KBIA,” “we,” “us”) collects information you voluntarily provide when requesting insurance quotes, contacting us, or using our website at kevinbrowninsuranceagency.com.

This may include:

Name, email address, and phone number
Property or vehicle information relevant to insurance quotes
Business information for commercial coverage requests
ZIP codes and other location data (New Jersey only)
Usage data collected automatically (page views, device type, referral source)

We never collect Social Security Numbers, credit card numbers, or bank account information through this website. Sensitive financial data required for policy binding is collected through secure, separate channels.

2. How We Use Your Information

We use the information you provide to:

Prepare and deliver insurance quotes for NJ risks
Contact you regarding your quote or coverage questions
Send relevant updates about NJ insurance rates and products (you may opt out at any time)
Improve the functionality of our website and API
Comply with New Jersey Department of Banking and Insurance (DOBI) requirements

3. AI Agent Access

Our platform supports AI agent access via a public REST API. When an AI agent submits a quote request on your behalf:

Only the data fields you explicitly authorized the agent to provide are collected
No sensitive personal identifiers (SSN, financial accounts) may be submitted via the API
A licensed NJ agent reviews every submission before any quote is generated
You retain the right to request deletion of any session data at any time

4. Information Sharing

We do not sell your personal information. We may share information with:

Insurance carriers and underwriters solely for the purpose of generating quotes
Technology service providers (Firebase/Google, Resend) under strict data processing agreements
Regulatory authorities as required by NJ law

5. Data Retention

Quote requests and contact form submissions are retained for up to 7 years in accordance with NJ insurance recordkeeping requirements. You may request deletion of your personal data at any time by emailing kevin@kevinbrowninsuranceagency.com.

6. Cookies & Analytics

We use minimal, privacy-respecting analytics to understand how visitors use our site. We do not use third-party advertising cookies or sell behavioral data to ad networks. You may disable cookies in your browser settings without affecting core site functionality.

7. Your Rights (NJ Residents)

As a New Jersey resident, you have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (subject to legal retention requirements)
Opt out of marketing communications at any time

8. Contact

For privacy questions or to exercise your rights, contact:
Kevin Brown Jr. — Licensed NJ Producer #3003694894
Email: kevin@kevinbrowninsuranceagency.com
Phone: 732-813-1161
Address: South Plainfield, NJ 07080

Privacy Policy