Privacy policy

This policy explains how Nivel Insurance Brokerage, Inc. ("NIVEL," "we," "us") collects, uses, shares and protects personal information when you visit nivelrisk.com or use the NIVEL platform. We built NIVEL with privacy in mind from day one, and we aim to meet the standards of the strictest privacy laws, including the EU General Data Protection Regulation (GDPR), wherever we can.

Who this policy covers

NIVEL provides agency management software to insurance brokerages. This policy covers visitors to our website, people who use the platform (brokerage staff and the insureds they serve), and people who contact us.

When a brokerage uses NIVEL to manage its clients' policies, payments and records, the brokerage decides what information it collects about its clients and why. NIVEL processes that information on the brokerage's behalf and according to its instructions. If you are a client of a brokerage that uses NIVEL, you can also contact your brokerage directly about your information.

Information we collect

• Account information: name, email address, phone number, role and login details for people who use the platform.
• Insurance information: details needed to place and service insurance, such as named insureds, business names, addresses, driver information (including license numbers), vehicle information (such as VIN and plate), policy, billing, endorsement, renewal and claim records.
• Payment information: payment amounts, dates, methods and references. Card and bank payments are processed by our payment processors; we do not store full card numbers.
• Communications: emails and documents sent to or through the platform, and messages you send us.
• Technical information: basic device, browser and usage information, and logs needed to run, secure and improve the service.

How we use information

• To provide the platform: managing policies, payments, invoices, receipts, endorsements, renewals and claims for brokerages and their clients.
• To process payments and prepare amounts owed to insurance carriers.
• To communicate with you about your account, policies and payments.
• To secure the service, prevent fraud and keep an audit trail of activity.
• To comply with legal and regulatory obligations.
• To improve the platform, using information in aggregated or de-identified form where possible.

We do not sell personal information, and we do not use it for advertising.

How we share information

We share personal information only as needed to provide the service, with your consent or the brokerage's instructions, or as required by law:

• Brokerages and insurance carriers involved in placing and servicing your insurance.
• Service providers that host and operate the platform for us, under contracts that require them to protect the information: Google (Firebase and Google Cloud) for hosting and data storage, Vercel for website hosting, Stripe and Poynt for payment processing, Resend for sending notices and receipts from the platform, and Google Workspace (Gmail) for our own email correspondence.
• Legal and safety: when required by law, regulation or legal process, or to protect the rights and safety of NIVEL, our users or others.
• Business transfers: as part of a merger, acquisition or sale of assets, subject to this policy.

Each party sees only what it needs. Data shared between parties on the platform is recorded, and sharing permissions can be revoked.

How we protect information

We use encryption in transit and at rest, role-based access controls, and a full audit trail of reads and transfers. Access by AI agents is limited to the permissions a party has granted, and every agent action is logged. No system is perfectly secure, but we work to protect your information and will notify affected parties of a breach as required by law.

How long we keep information

We keep personal information for as long as needed to provide the service and to meet legal, regulatory, accounting and insurance record-keeping requirements. When it is no longer needed, we delete it or de-identify it.

Your choices and rights

Depending on where you live, you may have the right to access, correct, delete or receive a copy of your personal information, to object to or restrict certain processing, and to withdraw consent. To make a request, email us at the address below. We will verify your identity before acting on a request. If your information is held on behalf of a brokerage, we may refer your request to that brokerage. Some information must be kept to meet legal or insurance record-keeping obligations.

Cookies

We use cookies and similar technologies that are needed to sign in, keep you signed in and secure the service. We do not use advertising cookies.

Children

NIVEL is a business service and is not directed to children under 16. We do not knowingly collect information from children.

International transfers

NIVEL is based in the United States, and information is stored and processed in the United States.

Changes to this policy

We may update this policy from time to time. We will post the updated version on this page and change the date above. If changes are significant, we will provide additional notice.

Contact us

Nivel Insurance Brokerage, Inc.
35 Maryetta Ct.
Syosset, NY 11791
wilson@nivelrisk.com