Privacy Policy
Effective: April 13, 2026
This privacy policy is provided for informational purposes. It does not constitute legal advice. Consult a licensed attorney for legal guidance specific to your situation.
Last Updated: April 13, 2026
1. Introduction
Venera Insurance ("we," "us," or "our") operates the website venerainsurance.com (the "Site"). We are an independent insurance agency licensed in the State of Florida. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our Site, submit forms, or otherwise interact with our services.
By using our Site, you agree to the collection and use of information as described in this policy. If you do not agree, please do not use our Site.
2. Information We Collect
We collect the following types of information:
Information You Provide Directly
When you fill out our quote request or contact forms, we collect:
- Full name
- Email address
- Phone number
- ZIP code
- Insurance type of interest (auto, home, business, life, or other)
- Any additional details you include in the message field
When you contact us via phone, email, or WhatsApp, we may collect information you share during those conversations.
Information Collected Automatically
When you visit our Site, we automatically collect certain technical information:
- IP address
- Browser type and version
- Device type (desktop, mobile, tablet)
- Operating system
- Pages visited and time spent on each page
- Referring website or source
- Approximate geographic location (based on IP address)
Cookies and Local Storage
Our Site uses the following technologies:
- Google Analytics cookies — to understand how visitors use our Site and improve the user experience
- Vercel Analytics — to measure site performance and page load times
- Local storage (localStorage) — to remember your language preference (English or Portuguese) so we can serve the Site in your preferred language on return visits
We do not use cookies for advertising or retargeting purposes at this time.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To provide insurance quotes — We share your information with insurance carriers to obtain quotes tailored to your needs
- To contact you — We use your phone number and email to follow up on quote requests, answer questions, and provide policy updates
- To improve our services — We analyze Site usage data to improve navigation, content, and user experience
- To comply with regulations — As a licensed insurance agency in Florida, we maintain records as required by state insurance regulations and the Florida Department of Financial Services
- To communicate important updates — We may contact you about policy renewals, coverage changes, or regulatory updates that affect your coverage
- To protect our rights — We may use your information to enforce our Terms of Service, prevent fraud, or respond to legal requests
4. How We Share Your Information
We share your personal information only in the following circumstances:
- Insurance carriers — To obtain quotes and bind coverage on your behalf. This is the core function of our service as an independent insurance agency. We work with 40+ carriers including Progressive, Travelers, MAPFRE, Hartford, and others.
- Agency partners — We partner with Amazonia Insurance and Vantage to provide comprehensive coverage options. Your information may be shared with these partners when necessary to serve your insurance needs.
- Service providers — We use third-party services for website hosting (Vercel), analytics (Google Analytics), and communication tools. These providers process data on our behalf and are bound by their own privacy policies.
- Legal requirements — We may disclose your information when required by law, subpoena, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of others.
We never sell, rent, or trade your personal information to third parties for marketing purposes.
5. Data Security
We take reasonable measures to protect your personal information:
- Our Site is served over HTTPS (SSL/TLS encryption) to protect data in transit
- Our hosting provider (Vercel) maintains enterprise-grade security infrastructure
- We do not store credit card numbers, Social Security numbers, or other sensitive financial information on our Site
- Access to client information is limited to authorized personnel
However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
6. Your Rights and Choices
You have the following rights regarding your personal information:
- Access — You may request a copy of the personal information we hold about you
- Correction — You may request that we correct inaccurate or incomplete information
- Deletion — You may request that we delete your personal information, subject to legal retention requirements
- Opt-out of communications — You may opt out of non-essential communications by contacting us directly
- Cookie management — You can manage cookie preferences through your browser settings. Disabling cookies may affect certain Site functionality.
To exercise any of these rights, contact us at mariana@venerainsurance.com or call +1 (786) 793-3070.
7. Florida-Specific Disclosures
As a licensed insurance agency operating in Florida, we comply with the Florida Deceptive and Unfair Trade Practices Act (FDUPTA), Chapter 501, Florida Statutes. We do not engage in unfair or deceptive acts in the collection, use, or disclosure of personal information.
Florida residents have the right to know what personal information is collected, how it is used, and to whom it is disclosed. You may also request the deletion of your personal information, subject to certain exceptions required by Florida insurance regulations.
As required by Florida law, we maintain records related to insurance transactions for the periods specified by the Florida Department of Financial Services.
8. California Residents — CCPA/CPRA Rights
If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with additional rights:
- Right to Know — You may request details about the categories and specific pieces of personal information we have collected about you
- Right to Delete — You may request the deletion of your personal information, subject to certain exceptions
- Right to Opt-Out — You have the right to opt out of the "sale" or "sharing" of your personal information. We do not sell your personal information.
- Right to Non-Discrimination — We will not discriminate against you for exercising your privacy rights
To submit a request, email mariana@venerainsurance.com with the subject line "CCPA Request." We will verify your identity and respond within 45 days as required by law.
9. TCPA Compliance — Phone and Text Communications
By submitting your phone number through our quote request form or contact form, you provide express consent under the Telephone Consumer Protection Act (TCPA) for Venera Insurance to contact you at the phone number provided. This consent covers:
- Phone calls (including from an automated dialing system)
- Text messages (SMS)
- WhatsApp messages
You may revoke your consent at any time by calling us at +1 (786) 793-3070, emailing mariana@venerainsurance.com, or replying STOP to any text message. Revoking consent will not affect any prior communications.
10. Children's Privacy
Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information promptly.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us at mariana@venerainsurance.com.
11. Third-Party Links
Our Site may contain links to third-party websites, including insurance carrier websites, WhatsApp, and social media platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party site you visit.
12. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including:
- Active client records are maintained for the duration of the business relationship
- Quote request data is retained for up to 24 months to facilitate follow-up and rate comparisons
- Communications records are retained as required by Florida insurance regulations
When personal information is no longer needed, we securely delete or anonymize it.
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 changes, we will update the "Last Updated" date at the top of this page.
We encourage you to review this Privacy Policy periodically. Your continued use of the Site after changes are posted constitutes your acceptance of the updated policy.
14. Contact Us
If you have questions or concerns about this Privacy Policy, your personal information, or our privacy practices, please contact us:
Venera Insurance 5151 San Martino Dr, Wesley Chapel, FL 33543 Phone: +1 (786) 793-3070 Email: mariana@venerainsurance.com Website: venerainsurance.com