K S Billings & Associates Privacy Policy

Last updated June 6, 2024

This Privacy Policy describes how K S Billings & Associates (“we”, “us”, or “our”) collects, uses, shares, and secures your personal information in connection with our website, mobile applications, and other digital properties that link to this Privacy Policy (collectively, the “Sites”) and how we provide the Sites, educational materials, insurance coverage estimates and quotes, insurance brokerage services, estate planning tools, and other services (the “Services”) more broadly. It applies to information collected from and about you in connection with your use of the Sites and Services, as well as from other sources, such as over the telephone with our representatives or from third parties in connection with our Services, and not to External Sites (as defined below). By using the Sites and Services, you consent to the data practices described in this Policy.

As providers of Services that involve the use of personal – and sometimes sensitive – information, protecting the confidentiality of that information is a top priority. This means we will never sell your personal information and we use industry-standard technical, physical, administrative, and organizational controls to ensure the security and confidentiality of your data.

Our Gramm-Leach-Bliley Act (“GLBA”) Privacy Notice applies to personal information we collect, use, and share in connection with offering you financial products or services (including insurance products and services), whether that information is obtained through our Sites, over the telephone, from third parties, or by any other lawful means. Please read the GLBA Privacy Notice for information about your rights with respect to the information collected in connection with seeking, applying for, or obtaining insurance products or services from us.

We may change this Privacy Policy at any time, and we take such steps as required by applicable law to notify you of any material changes. Your continued use of the Sites or Services following the update and notification means that you consent to our updated policy.

How and Where We Collect and Use Your Information

You can use some of the Sites by just browsing (as a “Visitor”) or by accessing the Sites and Services after creating and maintaining an account, for example, to seek, apply for and/or purchase one or more products through the Sites (as a “Member”).

You may also become a Member by providing us with information (as described below) when you seek, apply for and/or purchase one or more insurance products over the telephone with one of our representatives.

Each of Visitors and Members may be referred to in this Privacy Policy by the terms “user,” “you,” or “your.” Some of our Services are only available to Members.

1. Sources of Information

The types and sources of personal information we collect depend on the Service utilized, how you interact with us and our Sites, and/or how you were referred to us. The types and sources of information may include:

  • Information that you provide to us directly, for example: using our online tools; on applications or forms; during your transactions and communications with us, our representatives, or our business partners (e.g., through telephone conversations, emails, text messages, or chats).

  • Information from third parties, including: consumer, credit, and/or other reporting agencies; Referral Partners (as further described below); insurance carriers; and medical or health care providers.

  • Information generated through your interaction with our Sites, as well as from social networks or other third-party platforms you may use to access our Sites and Services (see “Establishing an Account” and “Social Features” below).

2. Types of Information We Collect and How We Use It:

Site Users

We collect “Usage Information” which may include: information about the technical mechanisms you used to access the Sites, such as your browser and operating system type; the link that brought you to our Sites; data points that help our analytics function and which tell us what brought you to a particular spot on our Sites; your specific type of mobile device and device ID; and your IP address.

We use Usage Information to inspect, analyze, and improve our Sites and Services and ensure they function well with the technology used by our Visitors and Members. In addition to analytics about the demographics of our Sites users, we use your IP Addresses to comply with legal rules applicable based on your location.


Visitors and Members may sign up for email newsletters by providing their first and last name, and email address. We collect and use information about your engagement with Newsletter communications (e.g., whether you view or click on those communications).


In connection with our marketing campaigns, we collect and use information about your engagement with our marketing communications (e.g., whether you view or click on marketing emails) to make sure that the products and offers that we inform you of are relevant to you.

Email and Chat

Visitors and Members can communicate with us over email or chat on the Sites by providing their first and last name, and email address. We will use this information to provide products and services relevant to you. Members may also share additional personal information with us over chat or email when communicating about the Services. We may collect this information to provide you with the Services, such as to complete an insurance application.

Customer Surveys and Reviews

We may ask you to participate in customer reviews and surveys. If you participate, we may request certain personal information. Participation in these surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes first and last name, contact information (such as email or address), and demographic information (such as zip code).

We use this information to evaluate our level of customer service, as well as test and make improvements on our products, Sites, and Services. With your consent, we may use your first and last name, along with your responses, on our Sites, in marketing materials, or on our social media platforms. With your consent, we may pass on your information to a third-party service provider, to assist in resolving errors or make improvements relating to their services.

Establishing an Online Account

You can establish an online account on the Sites by providing your first and last name, and email address. You may be required to create a password for your account (together with your name and email address, “Login Credentials”). You may also provide your telephone number when creating your account. We may use your email address and telephone number to contact you about the Services and products you have requested.

You may also choose to login via a social network or other third-party platform (for example, Facebook or Google). We may collect information from that platform, such as your social network alias, email address, first and last name, country of residence, language preference, and profile picture, and use it as described in this Privacy Policy. Our collection and processing of the information we obtain from third-party platforms are also governed by the requirements these platforms impose on us in their relevant terms and conditions. We encourage you to review the privacy policies of such third-party platforms to obtain information regarding their information collection, use, and disclosure policies.

Getting Insurance Estimates

If you choose to use the Sites and Services to receive an insurance estimate, you will become a Member and will be required to provide us with additional personal information we use in connection with providing the estimate. This may include (depending on the type of insurance) your age, gender, zip code, marital status, employment status, risk tolerance, living situation details, property and vehicle ownership information, family information such as the number of children and number of pets, whether you are a homeowner or a renter, your income, amounts of your savings and debts, and general details about your current insurance coverage (collectively, “Estimate Information”), as well as contact information including your first and last name, email address, and telephone number (“Contact Information”).

If you choose to access the Services, receive an insurance estimate, and become a Member over the telephone, you will need to provide the Estimate Information and Contact Information to one of our representatives over the telephone.

We use the Estimate Information to return results to you that assess your current coverage and/or provide recommendations for insurance products. We use the Contact Information to contact you regarding insurance products and Services.

Getting Quotes & Applying for Insurance

To get an insurance quote and apply for an insurance policy, in addition to the Estimate Information described above, you may need to supply additional information, such as your date of birth, gender, occupation, social security number, address, smoking status, height and weight, family medical history, health history, driving history, and your citizenship status (collectively with Estimate Information, “Application Information”).

“Account Information” will include your Login Credentials, together with your Estimate Information, Contact Information, and Application Information.

Banking and Credit Card Information

If you submit a credit card payment through our Services, for example to purchase insurance coverage, we do not store credit card information on our own servers or associate it with your Account Information for any purpose other than completing your purchase.

If you submit bank account information, for example purchase insurance coverage, that bank information is stored on our servers in encrypted form and is accessed and used to complete your insurance application or purchase.

If you submit credit card or other payment information via DocuSign, it will be temporarily stored in encrypted form on DocuSign’s servers, and we will use the payment information to securely transmit your payment information to the carrier.