Effective Date: January 1, 2024

Welcome to Birdie Insurance, LLC (“Company,” “We,” “Us,” or “Our”). By accessing or using our website, birdieinsurance.com (the “Website”), you agree to comply with and be bound by the following terms and conditions (“Terms of Service”) and our privacy practices (“Privacy Policy”). Please read these documents carefully before using the Website. If you do not agree with any part of these terms, you must not use the Website.

By accessing the Website, you agree to follow our rules and guidelines, including but not limited to acceptable use, user responsibilities, and limitations of liability.

We provide various services, including insurance quotes, policy purchases, and related services. The terms regarding the use of these services are outlined herein. We offer the following products:

• Short Term Health Insurance
• Accident Insurance
• Critical Illness Insurance
• Dental Insurance
• Term Life Insurance
• Health Insurance
• Pet Insurance

Any disputes arising from the use of our services will be handled through arbitration or mediation as specified in this document.

We are a licensed insurance broker, compliant with all relevant state and federal regulations. Our licensing information is available upon request.

Our policy outlines the conditions and process for requesting refunds or cancellations, including any associated fees.

We are committed to making our Website accessible to all users, including those with disabilities. If you have special needs regarding accessing the content of this Policy, we recommend that you or someone on your behalf, contact us at: information.requests@specialtyprogramgroup.com.

Detailed information about our insurance products, including coverage options, exclusions, and terms, is available on the Website. Obtaining a quote or completing an application does not guarantee coverage, which is subject to approval by the insurance provider.

General Disclaimer

The information provided on our Website is for general informational purposes and should not be construed as professional advice.

Accuracy of Information

While we strive to ensure the accuracy of the information on our Website, we cannot guarantee that all information is complete or current.

Third-Party Links

We are not responsible for the content of external websites linked from our Website.

All content on the Website, including text, images, and software, is owned by the Company or its licensors and is protected by copyright and other intellectual property laws.

You may use our Website only for lawful purposes and in accordance with these Terms of Service. Prohibited uses include violating any applicable law, exploiting minors, transmitting unauthorized advertising, impersonation, and more as detailed in this document.

We reserve the right to take appropriate legal action, terminate, or suspend your access to our Website for violations of these terms.

These Terms of Service are governed by the laws of the State of Delaware. Any disputes will be resolved in the courts located in Kent County, Delaware.

Disputes will be resolved through binding arbitration in Wilmington, Delaware, under the Consumer Arbitration Rules of the American Arbitration Association.

Any claims must be filed within one year from the date the cause of action accrues.

If any provision is deemed invalid or unenforceable, the remaining provisions will continue in effect.

These Terms of Service and our Privacy Policy constitute the entire agreement between you and the Company.

Birdie Insurance, LLC respects your privacy and is committed to protecting it. This Privacy Policy outlines how we collect, use, and disclose your personal information.

We collect various types of information, including:

• Personal information you provide through forms, emails, and other communications.
• Information collected automatically via cookies, web beacons, and other tracking technologies.
• Information from third parties.

We use your information to:

• Provide and improve our services.
• Personalize your experience on the Website.
• Communicate with you about our services.
• Comply with legal obligations.

We may disclose your information to:

• Our subsidiaries and affiliates.
• Service providers and third parties that support our business.
• Comply with legal requirements.
• Protect our rights and property.

We use cookies and other tracking technologies to collect information about your browsing activities. You can manage your cookie preferences through your browser settings.

You have the right to:

• Access and update your personal information.
• Opt-out of certain data collection and use practices.
• Request the deletion of your personal information.

We implement security measures to protect your information. However, we cannot guarantee the absolute security of your data transmitted to our Website.

California Residents

Residents of California have specific rights regarding their personal information. These include the right to request disclosure of the categories and specific pieces of personal information we have collected, the sources of that information, the business or commercial purpose for collecting or selling personal information, and the categories of third parties with whom we share personal information. You also have the right to request the deletion of your personal information and to opt-out of the sale of your personal information. To exercise these rights, please contact us at help@birdieinsurance.com.

Colorado, Connecticut, Utah, Virginia Residents

Residents of these states have rights to confirm whether we process their personal information, access and delete certain personal information, data portability, opt-out of personal data processing for targeted advertising and sales, correct inaccuracies in their personal information, and opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects. To exercise these rights, please contact us at help@birdieinsurance.com.

Definition

Personal Information is any information that identifies, relates to, describes, or is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

Exclusions

Personal Information does not include publicly available information from government records, de-identified or aggregated consumer information, and information excluded from the CCPA’s scope.

We use personal information to:

• Provide, operate, and maintain our services.
• Improve, personalize, and expand our services.
• Understand and analyze how you use our services.
• Develop new products, services, features, and functionality.
• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the service, and for marketing and promotional purposes.
• Process your transactions and manage your orders.
• Find and prevent fraud.
• For compliance purposes, including enforcing our terms, or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency.

We may share personal information as described in this Privacy Policy for business and commercial purposes. Under the CCPA, these purposes may include:

• Sharing personal information with service providers to perform services on our behalf, such as processing transactions, maintaining accounts, and providing customer service.
• Disclosing personal information to third parties for business purposes such as auditing, security, debugging, short-term use, performing services, internal research, and quality control.

It is our policy to post any changes we make to this Privacy Policy on this page. If we make material changes to how we treat personal information, we will notify you through a notice on the Website home page. The date this Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.

For questions or concerns about this Privacy Policy, please contact us at help@birdieinsurance.com or call our toll-free number at 800–888–8888.

By using our Website, you agree to these Terms of Service and Privacy Policy. If you do not agree, please discontinue use of our Website immediately.