Privacy Policy

SmartEO (“SmartEO,” “we,” “us,” or “our”) is operated by Beacon Point Insurance. This Privacy Policy describes how we collect, use, disclose, and safeguard information you provide when you visit smarteo.insure, use our services, or submit an application for errors & omissions insurance coverage.

By using our website or services, you agree to the collection and use of information as described in this Privacy Policy.

Information you provide directly: When you submit a quote request or application, we collect your name, email address, phone number, National Producer Number (NPN), license information, business name, and insurance history.

Information collected automatically: We may collect technical information including IP address, browser type, pages visited, and referring URLs through standard web server logs and analytics tools.

Information from third parties: We may receive information about you from the National Insurance Producer Registry (NIPR) to verify your license status.

We use the information we collect to:

• Process your insurance application and provide a quote
• Bind and administer your insurance policy
• Send renewal reminders and policy documents
• Respond to your inquiries and provide customer support
• Comply with legal and regulatory obligations
• Improve our website and services

We do not sell your personal information to third parties. We may share your information with:

• Beacon Point Insurance and its reinsurance partners for underwriting purposes
• Service providers who assist in operating our website and processing applications
• Regulators, law enforcement, or courts when required by law

We implement industry-standard security measures to protect your personal information, including TLS encryption for data in transit and encrypted storage for sensitive data at rest. However, no transmission over the internet is completely secure.

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, maintain your insurance policy, and comply with applicable legal obligations. Application data is retained for a minimum of 7 years as required by insurance regulations.

Depending on your state of residence, you may have rights to access, correct, delete, or restrict the use of your personal information. To exercise these rights, contact us at privacy@smarteo.insure.

Our website uses cookies and similar tracking technologies for analytics and to improve user experience. You may adjust your browser settings to decline cookies, but some features of the site may not function correctly.

If you have questions about this Privacy Policy or our data practices, please contact us at: