FACTS

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What Does PointBridge Underwriting Managers LLC Do With Your Personal Information?

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Why?

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Financial companies choose how they share your personal information. Federal law (the Gramm-Leach-Bliley Act, or “GLBA”) gives consumers the right to limit some—but not all—sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

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What?

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The types of personal information we collect and share depend on the insurance products or services you have with us. This information can include:
 

• Name, address, email address, and telephone number

• Social Security number or taxpayer identification number

• Date of birth

• Insurance application information

• Policy information and coverage details

• Claims history

• Payment information

• Bank account and routing numbers (when you choose to pay by ACH or other electronic funds transfer)

• Payment authorization information, including ACH authorization/mandate records

• Payment transaction details, including payment status and confirmation information

• Credit-based or underwriting-related information

• Transaction and billing history
   

When you are no longer our customer, we continue to share your information as described in this notice.

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How?
 

All financial companies need to share customers’ personal information to run their everyday business. Below, we explain the reasons companies can share customers’ personal information, the reasons PointBridge Underwriting Managers LLC chooses to share, and whether you can limit this sharing.
 

Reasons We Can Share Your Personal Information
 

For our everyday business purposes
 

Such as to:
 

• Process insurance applications

• Underwrite and issue policies

• Service and administer policies

• Process premium payments (including ACH transactions)

• Validate bank account information

• Prevent fraud

• Handle claims

• Maintain accounts

• Respond to court orders and legal investigations

• Comply with insurance, banking, and payment network rules
   

Do we share? Yes
Can you limit this sharing? No
 

For our marketing purposes
 

To offer our products and services to you
 

Do we share? No
Can you limit this sharing? No

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For joint marketing with other financial companies
 

Do we share? No
Can you limit this sharing? No
 

For our affiliates’ everyday business purposes
 

Information about your transactions and experiences
 

Do we share? No
Can you limit this sharing? No
 

For non-affiliates to market to you
 

Do we share? No
Can you limit this sharing? No
 

Who We Are
 

Who is providing this notice?

PointBridge Underwriting Managers LLC, a Managing General Agent (MGA) licensed in applicable jurisdictions.
 

What We Do
 

How does PointBridge Underwriting Managers LLC protect my personal information?
 

To protect your personal information from unauthorized access and use, we maintain physical, electronic, and procedural safeguards that comply with federal and state standards, including:
 

• Encryption of sensitive information

• Secure transmission protocols

• Access controls and authentication requirements

• Vendor oversight and due diligence

• Employee training and confidentiality obligations

• Written information security policies and risk assessments
   

When processing ACH payments, PointBridge Underwriting Managers LLC uses secure third-party payment processors. We do not store full bank account credentials unless required for legitimate business purposes. We maintain safeguards designed to protect bank account information and payment authorization records.
 

How does PointBridge Underwriting Managers LLC collect my personal information?
 

We collect your personal information, for example, when you:
 

• Apply for insurance coverage

• Provide underwriting information

• Authorize premium payments

• Provide bank account information for ACH payments

• File a claim

• Communicate with us

• Visit our website or use our online services
   

When you choose to pay by ACH or other electronic payment methods, we collect payment-related information and may use third-party payment processors and financial technology providers to securely collect and verify your bank account details, process payments, and help prevent fraud.
 

We may also collect information from:
 

• Insurance carriers

• Insurance producers or brokers

• Consumer reporting agencies

• Government entities

• Third-party service providers
   

Why can’t I limit all sharing?
 

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes (creditworthiness information)

• Affiliates from using your information to market to you

• Sharing with non-affiliates to market to you
   

State laws may provide additional rights.

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Definitions
 

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.
 

Non-Affiliates

Companies not related by common ownership or control. They can include:
 

• Insurance carriers

• Claims administrators and third-party administrators (TPAs)

• Payment processors and payment technology providers (including Stripe)

• Banking partners and ACH network participants

• Technology vendors supporting policy administration, billing, and communications

• Professional service providers such as auditors, attorneys, and compliance consultants
   

We share personal information with non-affiliated third parties only as necessary to provide insurance services, process payments, administer policies, service accounts, comply with legal obligations, and support our operations. We do not sell your personal information.
 

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.
 

Other Important Information
 

This notice is provided in accordance with:

• The Gramm-Leach-Bliley Act (GLBA)

• The GLBA Safeguards Rule

• Applicable state insurance privacy laws
   

If you are a resident of a state with additional privacy protections (such as California or New York), you may have additional rights under state law.

 

Contact Us

If you have questions about this notice or our privacy practices, please contact:

PointBridge Underwriting Managers LLC
11807 Westheimer Rd, Ste 550 PMB 990
Houston, TX 77077
832-737-1988
info@pointbridgeins.com
https://www.pointbridgeins.com/