Privacy Policy

Effective Date: March 1, 2026

This Privacy Policy describes how Rosella Services, Inc. ("Rosella," "we," "us," or "our") collects, uses, discloses, and protects personal information in connection with our website at www.rosellabrokerage.com and any related sites, mobile applications, or online portals that link to this Privacy Policy (collectively, the "Site"), as well as our commercial insurance brokerage services, including quoting, placement, servicing, and related support (the "Services"). Rosella is a commercial insurance brokerage providing services to U.S.-based businesses. All our systems and data are hosted in U.S. data centers.

By accessing the Site or using the Services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not access the Site or use the Services. This Privacy Policy is incorporated into and subject to our Terms of Service.

Scope and Definitions

This Privacy Policy applies to personal information we collect from or about you when you interact with us, including through the Site, Services, communications (e.g., emails, calls, texts), or third-party sources. It does not apply to information collected by third-party sites or services linked from our Site.

"Personal Information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. Examples include name, email address, phone number, IP address, Social Security number, driver's license number, date of birth, gender, marital status, financial data, educational background, employment history, and sensitive information such as health or biometric data (collected only as necessary).
"Business Information" means information about a business entity, such as business name, EIN, locations, revenue, payroll, operations, property details, employee information, risk assessments, criminal background of owners, history of bankruptcy, tax or credit liens, lawsuits.
Personal Information may include Business Information when associated with an identifiable individual (e.g., business owners or employees).

We operate primarily in the United States and comply with applicable U.S. federal and state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) for California residents, and other state laws where applicable. Certain information may be exempt under laws like the Gramm-Leach-Bliley Act (GLBA) or Fair Credit Reporting Act (FCRA).

2. Information We Collect

We collect Personal Information from you directly, automatically through your use of the Site or Services, and from third parties.

Information You Provide Directly

When you contact us, request quotes or Services, submit applications, interact via forms, emails, chats, phone calls, or otherwise, we may collect:

Contact details: First and last name, email address (work and personal), phone number (work and personal), mailing address, home address, employment address.
Personal identifiers: Date of birth, gender, marital status, Social Security number, driver's license number.
Professional and financial details: Employment history, educational background, financial data.
Online profiles: Information from social media or other online accounts (e.g., LinkedIn), including public profiles and connected emails.
Business details: Business name, DBA, EIN, entity type, locations, revenue, payroll, operations, property details, employee or dependent information, insurance or employee benefit programs.
Service-related information: Details about your needs, such as risk assessments, criminal background, history of bankruptcy, tax/credit liens, lawsuits related to workmanship, defects, water intrusion, mold/fungi, or any other details regarding insurance placement requirements.
Documents: Loss reports, claims reports, financial statements, tax documents, contracts, leases, photos, inspections, or other relevant materials.
Communications: Content from emails, texts, calls (which may be recorded with your consent where required by law), reviews, or other interactions. Submitting reviews may be public and collected by third parties.
Other voluntarily provided information: Any accurate, non-misleading information you submit, which you must keep up to date.

We do not intentionally collect sensitive Personal Information like biometric data or health information unless required for specific Services and with your explicit consent. If you provide information about third parties (e.g., employees, dependents), you represent that you have the authority and necessary consents to do so.

We may verify or collect similar information from affiliates, employers, insurers, brokers, agents, credit agencies, DMVs, financial institutions, healthcare providers, and other sources. In providing quotes, we may conduct background checks or obtain credit reports/scores.

Automatically Collected Information

When you visit the Site or use the Services, we automatically collect:

Device Information: IP address, browser type/version, operating system, device type/mobile device info, referring/exit pages, pages viewed, links clicked, timestamps, hardware, software, internet browser.
Usage data: Interactions with the Site, preferences, analytics, page views, order information, clicks, time spent, visit timestamps.
Other: Information about your activity, such as when requesting quotes or surveys.

We use technologies like cookies, log files, web beacons, tags, pixels, and similar tracking tools to collect this information. See Section 9 for more on cookies and tracking.

Information from Third Parties

We may receive information from:

Partners, carriers, brokers, or underwriters (e.g., quotes, policy details).
Public sources or databases (e.g., credit reports/scores, background checks, vehicle history, premium/loss data, ownership structure, liens, judgments, payment history, internet sources).
Service providers (e.g., analytics tools, fraud detection).
Social media platforms (governed by their privacy policies).

3. How We Use Your Information

We use Personal Information for legitimate business purposes, including:

Providing, maintaining, and improving the Site and Services (e.g., processing requests, quotes, applications, orders; underwriting, selling, soliciting, and negotiating insurance products and services).
Determining eligibility and processing applications.
Obtaining and updating insurance or credit information with third parties.
Monitoring and administering accounts.
Communicating with you (e.g., responding to inquiries, sending updates, servicing accounts, contacting regarding accounts, orders, payments, renewals, endorsements).
Operating our business (e.g., billing, compliance, auditing, training employees).
Analytics and research (e.g., improving products, market analysis, analyzing claims data, research and development of new products).
Marketing and advertising (e.g., sending promotional materials with your consent, informing about products, facilitating advertising).
Providing requested quotes or offers from third-party vendors.
Fulfilling contractual obligations and enforcing rights from contracts, including billing and collection.
Personalizing content based on preferences.
Legal and security purposes (e.g., fraud prevention, complying with laws, protecting rights, preventing harm or financial loss, investigating illegal activity, company audits, investigating complaints or security threats).
Other purposes with your consent or as disclosed at collection.

We may use automated tools, including artificial intelligence, for tasks such as data analysis, personalization, and improving Services, but critical decisions (e.g., eligibility) involve human oversight. We do not use automated decision-making without review for such purposes.

We share Personal Information only as necessary and with appropriate safeguards. Recipients may include:

Service providers: Vendors for hosting, analytics, payment processing, AI tools, marketing (with contracts prohibiting unauthorized use).
Partners: Carriers, insurers, reinsurers, brokers, underwriters, intermediaries, medical providers, fraud detection agencies, advisers, loss adjusters, lawyers, accountants, involved in claims or services (e.g., quotes, financing).
Affiliates and subsidiaries: For internal operations.
Third parties with consent: For marketing, advertising, or assisting in business operations.
Insurance organizations: Rate advisory organizations, commercial databases for premium/loss data, etc., as permitted by law.
Legal authorities: To comply with laws, subpoenas, legal processes, regulatory requirements, or protect safety/rights/property.
In business transfers: During mergers, acquisitions, asset sales, reorganizations, bankruptcy (with confidentiality).
To prevent harm: When necessary to prevent physical harm, financial loss, or in investigations of illegal activity.
For audits or complaints: As required for company audits or investigations.
Guaranty funds, rating agencies, compliance assessors, attorneys, auditors.
Other: With your consent, or for fraud protection, credit risk reduction.

We do not sell or rent Personal Information. We may share de-identified or aggregated data that does not identify you. No mobile information is shared with third parties for marketing/promotional purposes; text messaging opt-in data/consent is not shared or transferable.

5. Communications

By providing your contact information, you consent to receive communications related to the Services, including texts (SMS), emails, calls, push notifications, voicemails, and mailers. This includes updates on quotes, policies, renewals, and endorsements. Message and data rates may apply. We may record calls for quality, training, and compliance purposes, with notice where required.

You may opt out at any time:

Texts: Reply STOP.
Emails: Use the unsubscribe link.
Calls: Request removal from lists.
Push notifications: Adjust device settings.

6. Analytics and Advertising

We use tools like Google Analytics to analyze usage and improve the Site. We may use cookies for targeted advertising based on interests. You can opt out via browser settings or industry tools like the Network Advertising Initiative (www.networkadvertising.org/choices) or Digital Advertising Alliance (optout.aboutads.info).

We do not respond to Do Not Track signals but honor opt-outs where required by law.

7. Data Retention

We retain Personal Information as long as necessary for the purposes for which it was collected, including to fulfill our legal obligations (e.g., 5-7 years for insurance records under state regulations), resolve disputes, and enforce agreements. We may retain anonymized or aggregated data indefinitely.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect Personal Information from unauthorized access, use, alteration, or disclosure. However, no system is completely secure, and we cannot guarantee absolute security, especially for transmissions over the internet.

9. Cookies and Tracking Technologies

We use cookies and similar technologies for functionality, preferences, analytics, and advertising. Types include:

Essential cookies: Necessary for Site operation.
Analytics cookies: To measure usage and performance.
Advertising cookies: For targeted ads.

You can manage cookies via your browser settings, but disabling them may limit Site functionality. For more information, visit www.aboutcookies.org or www.allaboutcookies.org. We may use web beacons or pixels to track interactions.

10. International Data Transfers

Our operations are U.S.-based. If you access the Site or Services from outside the U.S., your information may be transferred to and processed in the U.S., subject to U.S. laws, which may differ from those in your jurisdiction.

11. Your Privacy Rights

Depending on your location and applicable laws, you may have rights regarding your Personal Information.

General Rights

Access: Request details about the Personal Information we hold about you.
Correction: Update inaccurate or incomplete information.
Deletion: Request removal, subject to exceptions (e.g., legal retention requirements).
Opt-out: Of marketing communications, targeted advertising, or profiling.

California-Specific Rights (CCPA/CPRA)

If you are a California resident, you have additional rights:

Know: Categories of Personal Information collected, sources, purposes, and parties with whom it is shared.
Opt-out of sale/sharing: We do not sell Personal Information, but you can opt-out of sharing for cross-context behavioral advertising.
Limit use of sensitive Personal Information: If we collect it, you can request limitations.
Non-discrimination: We will not discriminate against you for exercising your rights.
Authorized Agent: You may authorize an agent to submit requests on your behalf.

To exercise rights, submit a verifiable request (see Section 15). We verify requests using information you provide and respond within required timelines (e.g., 45 days for CCPA requests, extendable). We may deny requests if exemptions apply (e.g., under GLBA or FCRA). For CCPA metrics from the prior calendar year: As a new policy, not applicable; future reports will include requests received, complied with, and denied.

Certain information related to insurance transactions may be exempt under CCPA.

12. Artificial Intelligence

Rosella Services, Inc. incorporates artificial intelligence (AI) tools into our internal operations to enhance the efficiency and accuracy of our commercial insurance brokerage Services.

These tools help our team with backend support activities, such as:

Processing and pulling key details from client-submitted documents, including applications, loss histories, policies, and endorsements.
Generating draft notes, internal emails, or summaries for staff review prior to any client communication.
Managing workflows, task prioritization, reminders, and team follow-ups.
Offering quick internal insights or overviews to assist during quoting, account servicing, or renewal discussions.

Every output from our AI tools undergoes human review. No final insurance decisions — such as quoting terms, evaluating risks, determining eligibility, placing coverage, issuing endorsements, or binding policies — are made automatically by AI. All such determinations are performed, reviewed, and approved by our licensed insurance professionals and/or partnering carriers, fully in line with state insurance laws and regulations.

Our AI models are developed and refined using only data from Rosella's own operations, such as anonymized internal records, staff-generated examples, and operational communications. We never feed client Personal Information or Business Information into third-party foundational models for training.

We work exclusively with reputable, enterprise-level AI providers who are contractually bound not to use our inputs for their own model training or improvement. To maintain reliability and fairness, we apply ongoing monitoring, error detection, bias checks, and human override capabilities for any potentially sensitive or high-stakes applications.

We do not deploy AI for automated final outcomes in sensitive categories like health or life insurance (where applicable), government-related eligibility, or any scenario that could substantially affect individuals without meaningful human involvement.

13. Children's Privacy

Our Site and Services are intended for adults and businesses. We do not knowingly collect Personal Information from children under 13 (or 16 for certain purposes under CCPA). If we learn we have collected such information, we will delete it promptly. Contact us if you believe a child has provided us with information.

14. Changes to This Privacy Policy

We may update this Policy from time to time. Changes will be posted on the Site with an updated Effective Date. Material changes may be notified via email or prominent notice on the Site. Your continued use of the Site or Services after changes constitutes acceptance.

15. Contact Us

For questions, requests to exercise rights, or complaints:

Email: privacy@rosellabrokerage.com
Mail: Rosella Services, Inc., 2814 Gonzales St, Austin, TX 78702
Phone: +1 (512) 844-3977

We respond to verifiable requests promptly. For California residents, this Policy serves as our CCPA notice at collection.