Privacy Policy

The Art Of Underwriting

Effective Date: September 01, 2025
Last Updated: Sep 18, 2025

This Privacy Policy (the "Policy") describes how The Art Of Underwriting, located at 8th The Green, STE A, Dover, DE 19901 USA, collects, uses, discloses, and protects your personal information when you visit our website at www.theartofunderwriting.com or use our services (collectively, the "Site" and "Services"). The Art Of Underwriting (referred to as "we," "our," or "us") is committed to protecting your privacy and maintaining the security of your personal information.

By accessing or using our Site or Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Policy, please do not use our Site or Services.

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1. Information We Collect

a. Information You Provide to Us

We collect information you voluntarily provide when you:

• Create an account or register for our services

• Make purchases or payments

• Contact us for customer support

• Subscribe to our newsletters or marketing communications

• Participate in surveys, contests, or promotions

• Submit forms, reviews, or feedback

This information may include:

• Personal Identifiers: Name, email address, phone number, mailing address

• Account Information: Username, password, account preferences

• Payment Information: Credit card details, billing address, transaction history

• Communication Data: Messages, support requests, feedback

• Marketing Preferences: Communication preferences, interests

b. Information We Collect Automatically

When you visit our Site or use our Services, we automatically collect certain information through cookies, web beacons, and similar technologies:

• Technical Information: IP address, browser type and version, operating system, device identifiers

• Usage Data: Pages visited, time spent on pages, links clicked, referral sources

• Location Information: General geographic location based on IP address

• Performance Data: Site performance metrics, error reports

c. Information from Third Parties

We may receive information about you from third-party sources, including:

• Payment processors and financial institutions

• Social media platforms (if you connect your accounts)

• Marketing partners and advertising networks

• Data aggregators and analytics providers

• Other users who provide information about you

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2. How We Use Your Information

We use your information for the following purposes:

a. Service Provision and Customer Support

• Provide, maintain, and improve our Services

• Process transactions and manage your account

• Respond to your inquiries and provide customer support

• Deliver products and services you request

• Manage subscriptions and billing

b. Communication

• Send transactional emails (order confirmations, account notifications)

• Provide customer service and technical support

• Send marketing communications (with your consent where required)

• Notify you about changes to our Services or policies

c. Business Operations

• Analyze and improve our Services and user experience

• Conduct market research and analytics

• Develop new products and services

• Ensure security and prevent fraud

• Comply with legal obligations

d. Marketing and Advertising

• Personalize content and advertisements

• Measure advertising effectiveness

• Conduct targeted marketing campaigns

• Analyze customer behavior and preferences

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3. Legal Basis for Processing (For EU/UK Users)

If you are located in the European Union or United Kingdom, we process your personal information under the following legal bases:

• Contract: To fulfill our contractual obligations to provide Services

• Legitimate Interests: To improve our Services, ensure security, and conduct business operations

• Consent: For marketing communications and certain data processing activities

• Legal Compliance: To comply with applicable laws and regulations

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4. How We Share Your Information

We may share your information in the following circumstances:

a. Service Providers and Business Partners

We share information with trusted third-party service providers who assist us with:

• Payment processing and financial services

• Website hosting and cloud storage

• Email marketing and communication services

• Analytics and data analysis

• Customer support services

• Shipping and delivery services

b. Business Transfers

In the event of a merger, acquisition, sale, or other business transaction, your information may be transferred to the acquiring entity.

c. Legal Requirements

We may disclose your information when required by law or in response to:

• Court orders, subpoenas, or other legal processes

• Government investigations or regulatory requests

• Protection of our rights, property, or safety

• Prevention of fraud or illegal activities

d. With Your Consent

We may share your information with third parties when you provide explicit consent for such sharing.

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5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our Services and fulfill transactions

• Comply with legal, regulatory, or contractual obligations

• Resolve disputes and enforce our agreements

• Maintain business records and analytics

When information is no longer needed, we securely delete or anonymize it in accordance with our data retention policies.

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6. Cookies and Tracking Technologies

a. Types of Cookies We Use

• Essential Cookies: Required for basic site functionality

• Performance Cookies: Help us analyze site usage and improve performance

• Functional Cookies: Remember your preferences and settings

• Advertising Cookies: Used to deliver relevant advertisements

b. Managing Cookies

You can control cookies through your browser settings. Please note that disabling certain cookies may affect site functionality. You can also opt out of targeted advertising through industry opt-out tools.

c. Third-Party Analytics

We use analytics services like Google Analytics to understand how users interact with our Site. These services may collect information about your use of our Site and other websites.

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7. Your Rights and Choices

a. Account Information

You may update, correct, or delete your account information by logging into your account or contacting us at [email protected].

b. Marketing Communications

You can opt out of marketing emails by:

• Clicking the unsubscribe link in our emails

• Updating your preferences in your account settings

• Contacting us directly

c. Additional Rights (EU/UK/California Residents)

Depending on your location, you may have additional rights including:

• Right to Access: Request copies of your personal information

• Right to Rectification: Request correction of inaccurate information

• Right to Erasure: Request deletion of your personal information

• Right to Restrict Processing: Request limitation of how we use your information

• Right to Data Portability: Request transfer of your information

• Right to Object: Object to certain types of processing

• Right to Withdraw Consent: Withdraw consent for consent-based processing

To exercise these rights, contact us at [email protected].

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest

• Regular security assessments and updates

• Access controls and authentication requirements

• Employee training on data protection

• Incident response procedures

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

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9. International Data Transfers

If you are located outside the United States, your information may be transferred to and processed in the United States or other countries where our service providers operate. We ensure appropriate safeguards are in place for such transfers, including:

• Standard Contractual Clauses approved by the European Commission

• Adequacy decisions by relevant authorities

• Other legally recognized transfer mechanisms

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10. Third-Party Links and Services

Our Site may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

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11. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete that information promptly. If you believe we have collected information from a child, please contact us immediately.

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12. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• Right to know what personal information we collect and how it's used

• Right to delete personal information

• Right to correct inaccurate personal information

• Right to opt out of the sale or sharing of personal information

• Right to limit the use of sensitive personal information

• Right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at [email protected] or call (302) 240-9918.

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13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Post the updated Policy on our Site with a new effective date

• Notify you via email or through our Services

• Provide prominent notice on our Site

Your continued use of our Services after the effective date of any changes constitutes your acceptance of the revised Policy.

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14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

The Art Of Underwriting
8th The Green, STE A
Dover, DE 19901 USA

Email: [email protected]
Phone: (302) 240-9918
Website: www.theartofunderwriting.com

For privacy-related inquiries specifically, you may also email us at: [email protected]

Response Time: We will respond to your inquiry within 30 days of receipt.

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This Privacy Policy is effective as of the date listed above and applies to all information collected by The Art Of Underwriting.