Privacy Policy

Facts	What does AB Insurance (Atlantic Bay) and its affiliates do with your personal information?
Why?	Insurance and Financial companies choose how they share your personal information. Federal law 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.
What?	The types of personal information we collect, and share depend on the product or service you have with us, or one of our affiliates. This information can include:Social Security number and employment historyAccount balances and payment historyCredit history and credit scoresInformation from third parties such as state motor vehicle departments, insurance carriers and claims information
How?	All insurance and financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons insurance and financial companies can share their customers’ personal information; the reasons Atlantic Bay and its affiliates chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Atlantic Bay and its affiliates share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), policies, and coverage, respond to insurers queries to process policy changes or claims	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	Yes
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share
To limit our sharing	Call us toll free at (866) 877-3143 Please note: If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call (866) 877-3143

Who we are
Who is providing this notice?	This notice is provided by AB Insurance L.L.C. and its affiliates, as listed in the section below titled, Atlantic Bay Mortgage Group and its family of companies

What we do
How does Atlantic Bay and its family of companies protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our employees are committed to safeguarding customer information and preventing its unauthorized access, disclosure, or use. In accessing your personal information, our employees are bound by the Code of Ethics Policy and our information security standards.
How does Atlantic Bay and its family of companies collect my personal information?	We collect your personal information, for example, when you:request an insurance policy for home, auto, or boatopen an account or deposit moneyapply for a loan or pay billsprovide your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only:sharing for affiliates’ everyday business purposes—information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
When and why does ABI disclose personal information?	We may disclose personal information as follows: – SMS opt-in consent or phone numbers for SMS purposes will NOT be shared with third parties and affiliates for marketing purposes. – Insurance Carriers : We provide our Site to provide quotes for insurance products and services written by the insurance carriers with whom we partner. Accordingly, if you contact us through the Site, we may forward your inquiry, or some or all of the personal information you include with your inquiry, to one of the insurance carriers we work with so that they may respond. Please note that if you use our Site to inquire about or obtain an insurance quote, you are authorizing us to provide the relevant information to carriers and agents so that they can provide you with the applicable products and services. We cannot control how any carriers or agents with whom we share your information for policy processing and administration purposes may further use your information, and we do not accept any responsibility for how they may use it. You should review the applicable insurance carriers’ and providers’ privacy policies for more information. – Service Providers: We may engage third-party service providers to assist us in managing, marketing, and providing the Site. We will accordingly provide personal information to these service providers as necessary for them to perform the relevant service. We provide our service providers only with the information that they need to perform their respective services, and work with them to respect and protect your privacy. – Marketing Partners: We may share your information so that we may provide you with periodic mailings, or may contact you via the telephone, regarding products, services, or events. If you do not wish for us to share your information in this manner, please let us know by contacting us at info@abinsures.com. – Analytics Providers: We share personal information with data analytics platforms, to compile statistics about Site users and evaluate and perform analytics and Site improvements. – Consent: We will also share personal information if we have your express “opt-in” consent to do so. – Reorganizations: We may share information in connection with, during negotiations of, or as a part of the closing of, any merger, sale of company assets, financing or acquisition of all or a portion of our business to another company, whether as a going concern or as part of bankruptcy, litigation or similar proceeding, in which personal information about the users of our Site is among the assets transferred. – Other Disclosure: We will share personal information if we believe that such action is appropriate to (1) comply with law, regulations, legal process or governmental request, (2) enforce any terms of use applicable to the Site, including potential violations, (3) detect, prevent or otherwise address fraud, security or technical issues, or (4) otherwise protect the rights, property or personal safety of us, our employees, Site users or others.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include financial companies with an Atlantic Bay name and other financial companies such as mortgage companies, title agencies, and insurance agencies. For a list of our affiliates, see the section below.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.Atlantic Bay Mortgage Group and its family of companies does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you:Our joint marketing partners include financial companies that may provide products or services on our behalf.

Atlantic Bay Mortgage Group and its family of companies
Atlantic Bay Mortgage Group, L.L.C.; Mullinix Mortgage Group; AB Insurance LLC, Atlantic Carolinas Title LLC.