Privacy policy

BellTrust Insurance Agency, Inc. (“BellTrust”, “we”, “us”) is an independent insurance agency licensed in Massachusetts, with offices at 528 Pleasant Street, Brockton, MA 02301 and 447 Broadway, Taunton, MA 02780.

This policy applies when you visit belltrustinsurance.com, use our online rater or client center, chat with our website assistant, call our office, or become a client. As an insurance agency we are also subject to the federal Gramm-Leach-Bliley Act and the Massachusetts insurance information and privacy law (M.G.L. c. 175I). This policy is written to meet those requirements in plain language.

Depending on what you ask us to do, we may collect:

• Contact details: your name, phone number, email address, mailing address and preferred language.
• Quote and underwriting information: date of birth, driver’s license number, driving and claims history, vehicle details including VIN, property details, current and prior insurance, business details, and for life insurance, basic health and beneficiary information.
• Policy and account information: your policies, carriers, premiums, billing status, and claims you report through us.
• Conversation records: website chat transcripts, call recordings and transcripts, and the emails and messages you send us.
• Website and device data: pages you visit, device and browser type, approximate location based on your IP address, the site that referred you, and cookies and similar technologies.
• Information from others: insurance carriers, consumer reporting agencies (such as motor vehicle reports, claims history reports, and credit-based insurance scores where the law allows), the Massachusetts Registry of Motor Vehicles, and people who refer you to us.

Some of this information is sensitive. We ask only for what a carrier needs to quote, write or service your policy.

Our online rater and client center are provided by EZLynx, an insurance agency management platform. When you click Get a quote or Open the client center, you leave our website and enter your information on pages hosted by EZLynx at agentinsure.com.

EZLynx processes that information on our behalf. What you enter is sent to BellTrust and stored in our agency management system so we can compare carriers, prepare quotes and service your policies. EZLynx’s own privacy notice and terms also apply while you use its pages.

The contact form on our quote page sends your details directly to our team.

We use an artificial intelligence (AI) assistant to answer common questions, collect the details we need to start a quote or a service request, and connect you with our team. It may appear as a chat window on our website, and it may answer or return calls to our office phone line. The assistant identifies itself as automated. It is not a licensed insurance agent.

The assistant collects what you type or say to it, including your name, contact details and any insurance information you choose to share, along with the conversation transcript and, for phone calls, a recording.

The assistant records the details you provide in our customer relationship management (CRM) system, where our licensed staff review them, follow up with you and prepare your quote. Transcripts and recordings are kept with your record so we can confirm what was discussed.

Our AI service provider processes conversations on our behalf to run the assistant. We require it to use your information only to provide that service to us, and not to sell it or use it to train AI models for other companies.

Please do not share Social Security numbers, bank or card numbers, or detailed medical information with the assistant. If a quote needs that information, a member of our team will collect it through a secure channel.

The assistant can make mistakes. Nothing it says binds coverage, changes a policy, or replaces advice from a licensed agent. You can ask to speak with a person at any time.

Calls to and from our office, including calls answered by our AI assistant, may be recorded and transcribed for quality and training and to keep an accurate record of your requests. Massachusetts law requires the consent of everyone on a call before it is recorded, so we tell you at the start of the call when it is recorded or handled by an automated assistant. If you do not want to be recorded, say so and ask for a person, or hang up and email us instead.

If you give us your phone number and ask us to contact you, you agree that we may call you about your request, including with an automated or artificial voice. We will not place marketing calls using an automated or AI voice without your prior written consent, and consent is never a condition of buying insurance. You can withdraw consent at any time by telling us.

We use personal information to:

• Prepare quotes and compare coverage from the carriers we represent.
• Apply for, bind and service policies, including changes, renewals, billing questions and help with claims.
• Communicate with you in the language you choose.
• Operate our website, AI assistant, phone system and CRM.
• Meet our legal and regulatory duties, including licensing, record keeping and fraud prevention.
• Improve our website and services.
• Tell you about our own insurance products, where the law allows. You can opt out at any time.

We do not sell your personal information, and we do not share it with other companies for their own marketing.

We share personal information only as needed to serve you:

• Insurance carriers and wholesale brokers we submit your information to for quotes or policies.
• Service providers that run our systems under contract, including EZLynx, our CRM provider, our AI service provider, and our phone, call recording, email, website hosting and analytics providers.
• Consumer reporting agencies and the Massachusetts Registry of Motor Vehicles, when needed to rate a policy.
• Premium finance companies, lienholders, mortgagees and additional insureds, when they are part of your policy.
• Regulators, law enforcement or courts when the law requires it, and others when needed to prevent fraud.
• A buyer or successor if our agency is sold or merged, who must honor this policy.

Our service providers may use your information only to provide services to us. Because we do not share your information with outside companies for their own marketing, federal law does not require us to offer an opt-out. If that ever changes, we will tell you first and give you a choice.

Our website uses cookies and similar technologies that it needs to work and, where enabled, analytics tools such as Google Analytics that help us understand how visitors use the site. The chat assistant may use a cookie to keep your conversation open as you move between pages. EZLynx pages set their own cookies.

You can block or delete cookies in your browser settings. Some parts of the site, including the chat, may not work without them.

We keep a written information security program as required by Massachusetts regulation 201 CMR 17.00. It includes access controls, encryption of information sent over the internet, contracts with our service providers, and staff training.

No system is perfectly secure. If a security breach affects your personal information, we will notify you and the authorities as Massachusetts law (M.G.L. c. 93H) requires.

We keep client and policy records while you are a client and afterwards for as long as insurance and business record-keeping laws require. Quote requests, chat transcripts and call recordings that do not lead to a policy are kept only as long as we need them to respond and for our business records, and are then deleted or de-identified.

You can:

• Ask to see the personal information we hold about you and ask us to correct it. Under Massachusetts law we respond to these requests within 30 business days.
• Ask us to delete information we are not required by law to keep.
• Opt out of marketing emails and calls at any time.
• Ask to speak with a person instead of the AI assistant, and ask not to be recorded.

To make a request, email info@belltrustinsurance.com or call (888) 908-7082. We will confirm your identity before acting on it. Depending on where you live, your state’s law may give you additional rights.

Our website and AI assistant are not directed to children under 16, and we do not knowingly collect their information online. Information about minors, such as a teenage driver on a family auto policy, is collected from a parent or guardian.

This policy is available in English, Portuguese, Spanish, Cape Verdean Creole and Haitian Creole. If the versions differ, the English version controls.

We may update this policy from time to time. The date at the top shows the latest version. We will post material changes here before they take effect and, where the law requires, notify clients directly.

BellTrust Insurance Agency, Inc., 528 Pleasant Street, Brockton, MA 02301 and 447 Broadway, Taunton, MA 02780. Email info@belltrustinsurance.com or call (888) 908-7082.