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Privacy Policy

Last Updated: 05/21/2025

Dependable Partners LLC together with its affiliates and subsidiaries (collectively, “Dependable Partners,” “we,” “us,” or “our”) is a U.S.–based commercial insurance brokerage that delivers insurance placement, program administration, risk‑management advice, captive management, and related services (the “Services”).
 

Safeguarding the personal information entrusted to us is fundamental to our business. This Privacy Policy explains how we collect, use, disclose, store, and otherwise process information that identifies, relates to, describes, or can reasonably be associated with a particular individual (“personal information”**).
It applies to:
 

  • visitors, users, and customers of our websites that link to this Privacy Policy, including dependablepartners.net and any other site we control (collectively, the “Sites”);

  • current, former, and prospective clients and their representatives;

  • individuals who communicate with us or whose personal information we handle while providing the Services; and

  • any other individual whose personal information we receive in connection with the Services.
     

Aggregated or de‑identified data that cannot reasonably be linked to a particular person or household is treated as non‑personal information and falls outside the scope of this Policy.
 

This Policy does not cover our processing of information about employees, job applicants, independent contractors, or agents, each of whom receive a separate privacy notice. Additional privacy statements may supplement this Policy where required by law or where our data practices go beyond what is described here.

Individuals with disabilities may access this Policy using standard assistive technologies or by contacting us at info@dependablepartners.net or (561) 644‑0458.

Our Sites

Unless a particular Site states otherwise, Dependable Partners is the data controller responsible for personal information collected through the Sites. Some business divisions maintain their own websites and privacy notices; where a separate notice appears, it governs.

Our Role as Controller or Processor

Data‑protection laws distinguish between entities that “control” personal information (determine the purposes and means of processing) and those that “process” it on behalf of a controller. We act as a controller when we decide why and how personal information will be handled (e.g., for our own marketing, client relations, or regulatory compliance). When we process information strictly under a customer’s instructions, for example, administering a captive on a customer’s behalf, we act as that customer’s processor/service provider and their privacy notice governs. Requests regarding information we process in a processor role should be directed to the relevant customer.

Information We Collect

Depending on your relationship with us, we may collect the following categories of personal information about you and, where applicable, third parties such as beneficiaries, dependents, or employees. If you provide information about someone else, you represent that you have authority to do so and that you have informed them of this Privacy Policy.

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  • Personal identifiers: Name, postal address, email, telephone number, date of birth, government identifiers (e.g., Social Security, tax ID, passport, driver’s licence).

  • Customer records: Identification documents, account credentials, billing and payment details (credit/debit card, bank account).

  • Commercial information: Insurance products or risk services you inquire about or purchase; claims history; communications with us.

  • Demographics: Race, ethnicity, gender, marital status, citizenship, date/place of birth.

  • Sensory data: Call recordings (where permitted), photographs, CCTV footage if you visit our offices, voicemail.

  • Preference & inference data: Marketing preferences, interests, and profiles we generate from interactions.

  • Internet/network & device data: IP address, device ID, cookie identifiers, browser type, operating system, referring URL, clickstream data.

  • Professional & education data: Employer, job title, employment history, licenses, education records.

  • Sensitive information: Government IDs, usernames & passwords, demographics (as defined by law), information about children under 13, health or medical data, payment‑card or bank‑account numbers.

Information You Provide Through Sites

When you fill in a web form, create an account, subscribe to publications, or otherwise interact with the Sites, you may supply identifiers, customer records, preferences, and commercial information.

Information We Collect While Delivering the Services

In performing brokerage, underwriting, risk‑management, or claims services, we may receive additional data such as property and financial records, medical information, background‑check results, or other details required for underwriting or claim settlement.

Information Collected Automatically

Like most digital services, we use cookies, pixels, and similar technologies to gather certain data automatically when you visit the Sites. This includes device identifiers, browsing behavior, time spent on pages, interactions with emails, and inferences about your interests. See Section 9 (Your Choices) and our Cookie Policy for details on how to manage cookies.

Information from Third Parties

We may receive personal information from:

  • Affiliates within the Dependable Partners group;

  • Other customers who refer you or list you as a contact;

  • Social‑media platforms when you engage with us there;

  • Business partners such as insurers, reinsurers, MGAs, TPAs, or other intermediaries;

  • Service providers including payment processors, analytics vendors, marketing agencies, and hosting providers;

  • Information vendors supplying address updates, demographic data, or background‑check results;

  • Public sources such as government registries, court filings, or professional‑profile sites;

  • Acquired entities whose data we assume in a merger or asset purchase.

How We Use Personal Information

We and our service providers may use personal information for legitimate business purposes, including to:
 

  1. Provide and manage the Services and your accounts;

  2. Respond to inquiries and communicate with you;

  3. Evaluate eligibility, quote, bind, renew, and service insurance policies or other risk‑management solutions;

  4. Process payments, claims, and refunds;

  5. Operate, maintain, personalize, and improve the Sites and our offerings;

  6. Send administrative or transactional messages, including changes to terms or policies;

  7. Market products and services that may interest you, subject to legal requirements and your preferences;

  8. Analyse usage trends, conduct research, and develop new products;

  9. Detect, investigate, and prevent fraud, security breaches, or other wrongful activity;

  10. Comply with legal and regulatory obligations, defend or establish legal claims, and cooperate with law‑enforcement requests;

  11. Facilitate corporate transactions such as mergers, acquisitions, or reorganisations;

  12. Any other purpose with your consent or as disclosed at the time of collection.
     

We may create aggregated or de‑identified data for analytics or other lawful purposes; we will not re‑identify such data except as permitted by law.

Disclosure of Personal Information

We may share personal information:
 

  • Within Dependable Partners to deliver our Services and for internal administrative purposes;

  • With business partners including insurers, reinsurers, brokers, MGAs, TPAs, program administrators, and other parties involved in providing the Services;

  • With service providers who perform functions on our behalf under contractual limitations (e.g., IT hosting, marketing, payment processing, analytics, auditing);

  • In connection with a business transaction such as a merger, acquisition, or sale of assets;

  • To comply with law or protect rights, e.g., to courts, regulators, law‑enforcement, legal advisers, or to enforce agreements;

  • With your consent or at your direction; and

  • In aggregated or de‑identified form without restriction.

Retention

We retain personal information as long as necessary for the purposes outlined in this Policy, including to comply with legal, accounting, or reporting requirements, resolve disputes, enforce contracts, and protect our rights. Retention periods are determined based on the nature of the data, the potential risk of harm, and applicable legal obligations.

Security

We employ reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission over the Internet or method of storage is fully secure; therefore, we cannot guarantee absolute security.

Your Choices & Rights

Cookies controls and interest-based advertising

Most browsers allow you to block or delete cookies. You may also opt out of certain interest‑based advertising via the Digital Advertising Alliance (optout.aboutads.info) or Network Advertising Initiative (optout.networkadvertising.org). Blocking cookies may affect Site functionality.

Marketing Communications

You may unsubscribe from marketing emails at any time by clicking the “Unsubscribe” link in the message or by emailing info@dependablepartners.net with the subject “Unsubscribe.”

Access, correction, deletion, and other rights

Depending on your jurisdiction, you may have rights to request access to, correction or deletion of, or a copy of the personal information we hold about you; to object to or restrict certain processing; or to withdraw consent. Submit requests by emailing info@dependablepartners.net or calling (561) 644‑0458. We will verify your identity before fulfilling a request and may deny or limit it where the law permits.

"Do Not Sell or Share" / Targeted Advertising

Dependable Partners does not sell personal information for monetary value. To the extent our use of cookies or marketing partners constitutes a “sale” or “sharing” under U.S. state laws, you may opt out via our cookie banner or by emailing info@dependablepartners.net.

Third-Party Links and Tools

The Sites may link to external sites or offer social‑media plug‑ins. Dependable Partners does not control third‑party privacy practices. Review the privacy notices of those sites or platforms before providing personal information.
 

We use analytics services such as Google Analytics & Facebook Pixel. For information on how Google collects and processes data, visit google.com/policies/privacy/partners/. Similarly, for Facebook, you can visit https://www.facebook.com/about/privacy/update/printable/.

Children's Privacy

The Sites are not directed to children under 16, and we do not knowingly collect personal information from children. If we learn that we have inadvertently received such data, we will delete it.

International Transfers

Dependable Partners is headquartered in the United States, and personal information may be stored or processed in the U.S. or other countries where we or our service providers operate. We implement appropriate safeguards to protect personal information transferred across borders in accordance with applicable law.

Changes to This Policy

We may amend this Privacy Policy from time to time. We will post the updated version with a new “Effective Date.” Changes take effect upon posting and, where required by law, will apply retroactively to information already collected.

Contact Us

For questions, comments, or concerns about this Privacy Policy or our privacy practices, contact us:

Region-Specific Notices

State‑, federal‑, or country‑specific privacy laws may grant you additional rights. Where applicable, the following appendices supplement—but do not replace—the general terms above:
 

  • United States State Laws (e.g., California, Colorado, Connecticut, Virginia): details on rights to know, access, correct, delete, opt out of selling/sharing, and non‑discrimination; explanation of sensitive‑information processing; instructions for authorised agents and appeals.

  • Canada: explanation of rights to access, rectify, and withdraw consent; reference to lawful disclosures to Canadian and foreign authorities.

  • Cayman Islands: notice regarding joint data controllers, retention obligations, individual rights, regulator contact details, and governing law.

  • Bahamas: similar disclosures under the Data Protection Act, including rights to access, object, erasure, and regulator contact details.

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