Privacy policy

St. James Insurance LLC ("we," "us," or "our"), doing business as St. James Insurance, your local GEICO office in Saugus, operates this website at https://stjamesins.com (the "Site"). We are an independently owned and operated local insurance agency serving Massachusetts residents. We help individuals and businesses obtain insurance products offered through GEICO and other carriers we are authorized to represent.

Office address: 880 Broadway, Suite D, Saugus, MA 01906

Phone: (781) 417-1097

Email: macrampton@geico.com

This Privacy Policy explains how we collect, use, share, and protect personal information when you visit the Site, contact our office, request a quote, or obtain insurance services through us.

We design our practices to comply with applicable law, including:

• Massachusetts General Laws Chapter 93H and 93I (data security and destruction of personal information)
• 201 CMR 17.00 - Standards for the Protection of Personal Information of Residents of the Commonwealth (Written Information Security Program)
• Massachusetts General Laws Chapter 175I - Insurance Information and Privacy Protection
• The Gramm-Leach-Bliley Act (GLBA) and related insurance privacy rules applicable to insurance agencies

This Policy applies to information collected through the Site, by phone, email, in person at our office, and through forms, quote tools, and messaging features we provide. It does not control GEICO's own websites, apps, or carrier portals. When you leave our Site for geico.com or a carrier site, their privacy policies apply.

A. Information you provide to us

Depending on what you request (quote, appointment, callback, policy service), we may collect:

• Identifiers: name, postal address, email address, phone number, date of birth
• Driver and vehicle information: driver's license number, VIN, vehicle details, driving history
• Property information: home/condo/renter details, claims history
• Insurance information: current carrier, policy numbers, coverage interests, loss history
• Financial or government identifiers when required for underwriting (for example, Social Security number for certain products)
• Business information for commercial quotes (business name, operations, locations)
• Communications content: messages, call notes, and documents you send us
• Marketing preferences and, if offered, SMS opt-in consent

B. Information collected automatically

When you visit the Site, we and our service providers may automatically collect:

• IP address, browser type, device type, operating system
• Pages viewed, referring URL, time and date of visit, click/path data
• Cookie and similar identifiers used for site function, analytics, and advertising measurement
• Call-tracking or dynamic phone-number data if we use number-swap tools for advertising attribution

C. Information from others

We may receive information from:

• Insurance carriers, underwriters, and rating platforms
• Consumer reporting agencies and insurance-support organizations (for example, driving or claims reports), where permitted
• Marketing and lead partners you interacted with before contacting us
• Public records and data enrichment tools used in quoting, when authorized or permitted by law

We use personal information to:

• Respond to quote requests and provide insurance recommendations
• Submit applications to insurance carriers and help bind, service, renew, or change coverage
• Communicate about appointments, policies, billing questions, claims routing, and office updates
• Operate, secure, and improve the Site (including analytics and troubleshooting)
• Measure advertising performance (including call tracking and conversion events)
• Send marketing communications where permitted; you may opt out at any time
• Detect fraud, protect our rights and users, and comply with law and insurance regulations

We do not sell your personal information for money.

We share personal information only as needed to operate our agency and as permitted by law, including with:

• Insurance carriers, managing general agents, and wholesale brokers - to obtain quotes, underwrite, issue, and service policies
• Service providers - website hosting, CRM/agency management systems, email/SMS vendors, analytics, call tracking, form security, and IT support, under contracts that limit use to providing services to us
• Advertising and analytics partners - such as Google Analytics, Google Ads, Meta, or similar tools that receive device/usage data; these tools may use cookies or pixels
• Professional advisors and regulators - when required or appropriate
• Legal process - when required by subpoena, court order, or to protect safety, rights, or security
• Business transfers - if our agency is sold, merged, or transferred, information may move with the business, subject to this Policy or notice of changes

We do not share mobile phone numbers collected for SMS marketing with third parties or affiliates for their own marketing. Standard message and data rates may apply; reply STOP to opt out of texts if SMS is offered.

We use cookies and similar technologies that are:

• Strictly necessary - site security, forms, session continuity
• Analytics - understand traffic and improve the Site
• Advertising / measurement - measure ad performance, including possible remarketing and call tracking / dynamic number insertion

You can control cookies through your browser settings. Blocking some cookies may limit Site features. Industry opt-outs are available through the Digital Advertising Alliance (https://optout.aboutads.info), the Network Advertising Initiative (https://www.networkadvertising.org/choices/), and Google Ads settings (https://www.google.com/settings/ads).

Where a clear Global Privacy Control (GPC) or similar opt-out signal applies to advertising sharing we control, we will honor it to the extent required by applicable law.

As an insurance representative, we provide this notice of information practices in connection with insurance transactions:

• Personal information may be collected from persons other than you (for example, insurance carriers, consumer reporting agencies, and prior insurers).
• Types of information may include identifying, driving, property, claims, credit-related (where permitted), and other underwriting information, collected by application, interview, forms, and reports.
• Information may be disclosed without your prior authorization in circumstances permitted by Chapter 175I and other law - commonly including disclosures to insurance carriers, insurance-support organizations, and as required for underwriting, claims, audits, and legal compliance.
• You have rights of access and correction regarding recorded personal information we maintain about you, as described in Sections 8 and 9 of Chapter 175I.
• Information in a report prepared by an insurance-support organization may be retained by that organization and disclosed to others.

To exercise access or correction rights, or to request a more detailed notice of information practices, contact us using the details in Section 13. We may need to verify your identity before responding.

Subject to insurance and recordkeeping laws, you may:

• Request access to personal information we hold about you
• Request correction of inaccurate information
• Request deletion of certain information we are not required to retain
• Opt out of marketing emails (unsubscribe link or email us)
• Opt out of marketing texts by replying STOP, if SMS is used
• Limit cookies via browser controls as described above

Some information must be retained for policy administration, fraud prevention, tax, and regulatory reasons even if you ask us to delete it.

We maintain a Written Information Security Program consistent with 201 CMR 17.00, with administrative, technical, and physical safeguards appropriate to our size and the sensitivity of the information we handle. Safeguards typically include restricted employee access, secure storage, encryption where appropriate, staff training, vendor oversight, and proper destruction of records containing personal information under M.G.L. c. 93I.

No method of transmission or storage is 100% secure. Please use care when sending sensitive information online or by email.

We keep personal information only as long as needed for the purposes described in this Policy, including to provide insurance services, meet legal and regulatory retention requirements, resolve disputes, and enforce agreements. Retention periods vary by record type (for example, quote leads vs. active policies vs. expired policies).

The Site is intended for adults seeking insurance. We do not knowingly collect personal information online from children under 13. If you believe a child under 13 submitted information through the Site, contact us and we will delete it.

The Site may link to GEICO, carrier portals, maps, review sites, or other third-party pages. We are not responsible for their privacy practices. Review their policies before submitting information.

For privacy questions, access or correction requests, or opt-out requests, contact:

St. James Insurance LLC

880 Broadway, Suite D, Saugus, MA 01906

Phone: (781) 417-1097

Email: macrampton@geico.com

Website: https://stjamesins.com

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date above and post the new version on this page. Material changes may also be highlighted on the Site. Continued use of the Site after an update means you acknowledge the revised Policy.

This Privacy Policy is governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules.