Effective Date: August 17, 2026
Condo Risk Insurance Specialist, Inc. (“CondoRisk,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information through our website, CondoRiskInsurance.com, and in connection with our insurance brokerage and related services.
CondoRisk is an independent insurance brokerage located in Illinois and serving clients in Illinois, Wisconsin, Michigan, Indiana, and other jurisdictions where we are properly licensed.
By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
We may collect information that you voluntarily provide to us when you:
- Request an insurance quote;
- Submit an application or request for insurance services;
- Request a Certificate of Insurance;
- Contact us by telephone, email, text message, or through our website;
- Request information about our products or services;
- Communicate with our employees, agents, or representatives; or
- Otherwise interact with us in connection with insurance products or services.
Depending on the service you request, information we collect may include:
- Name and contact information;
- Mailing or physical address;
- Email address and telephone number;
- Mobile telephone number;
- Business or association information;
- Information about properties, buildings, vehicles, operations, or other insured risks;
- Insurance policy and coverage information;
- Information necessary to obtain insurance quotes or evaluate coverage;
- Information contained in applications, questionnaires, or other insurance documents;
- Information necessary to process or service an insurance policy or claim;
- Information concerning your communications and preferences; and
- Other information you voluntarily provide to us.
We may also collect certain information automatically when you visit our website, such as your IP address, browser type, device information, pages visited, approximate geographic information, and information regarding how you interact with our website.
2. Information Submitted Through Website Forms
Our website may provide forms for purposes such as requesting insurance quotes, requesting Certificates of Insurance, and contacting CondoRisk.
When you submit information through one of these forms, we collect and use the information necessary to respond to your request, provide insurance services, communicate with you, and perform related business and administrative functions.
Please do not submit sensitive personal information through a website form unless the form specifically requests that information and it is reasonably necessary for the service you are requesting.
A Certificate of Insurance request may include information about an association, property, policy, certificate holder, requester, and the email address to which the certificate should be delivered.
3. How We Use Information
We may use information we collect to:
- Respond to inquiries and requests;
- Provide insurance quotes and information;
- Obtain and compare insurance quotations from insurance carriers and other insurance markets;
- Evaluate insurance needs and recommend insurance products;
- Submit applications and other information to insurance carriers;
- Issue, place, renew, and service insurance policies;
- Process requests for Certificates of Insurance;
- Assist with claims and other insurance-related matters;
- Communicate with prospects and customers regarding requested insurance products and services;
- Send text messages when you have provided the appropriate consent;
- Verify information and prevent fraud or unauthorized activity;
- Maintain records and administer our business;
- Comply with applicable laws, regulations, licensing requirements, and contractual obligations;
- Protect the security and integrity of our systems and website; and
- Improve our website, services, and customer experience.
4. Mobile Information and Text Messaging Privacy
If you provide a mobile telephone number to CondoRisk, we may use that number to communicate with you regarding insurance products, services, requests, appointments, Certificates of Insurance, policy servicing, or other communications for which you have provided appropriate consent.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.
For purposes of this Privacy Policy, the foregoing restriction means that CondoRisk will not share mobile information, text messaging opt-in data, or consent with third parties or affiliates for their own marketing or promotional purposes.
We may, however, disclose mobile information and text messaging information to service providers that assist us in providing, managing, or delivering communications on our behalf, including technology, telecommunications, and messaging service providers. Such disclosures are made only as necessary for those providers to perform services for CondoRisk.
These service providers are not authorized to use your mobile information or text messaging opt-in data for their own marketing or promotional purposes.
We will not sell or rent your mobile telephone number or text messaging opt-in information.
Your consent to receive text messages is not a condition of purchasing insurance or obtaining services from CondoRisk.
Where applicable, text messaging communications will be sent only in accordance with applicable consent requirements.
You may opt out of text messages at any time by replying STOP to a text message from us. You may also contact our office directly to request that text messaging communications cease.
If you request assistance regarding text messaging, you may reply HELP where supported by the applicable messaging program or contact our office directly.
Message frequency may vary. Message and data rates may apply depending on your mobile carrier and service plan.
Your consent to receive text messages does not authorize the sharing or transfer of your mobile number or text messaging consent to another company for that company’s own marketing or promotional purposes.
5. How We Share Information
As an independent insurance brokerage, we may need to share information with other parties in order to provide insurance products and services.
Depending on the circumstances, these parties may include:
- Insurance companies and insurance carriers;
- Managing general agents, wholesalers, and insurance markets;
- Claims administrators and service providers;
- Premium finance companies and payment processors;
- Inspection, appraisal, underwriting, loss-control, or risk-management service providers;
- Technology, hosting, document management, communication, messaging, and other vendors that provide services to us;
- Attorneys, accountants, consultants, and other professional service providers;
- Certificate holders and other parties when authorized or reasonably necessary to issue or administer a Certificate of Insurance;
- Government or regulatory authorities when legally required or permitted; and
- Other parties when you authorize or direct us to disclose the information.
Information may also be disclosed as necessary to effect, administer, or enforce an insurance transaction that you request or authorize.
Mobile Information Restriction
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties for marketing or promotional purposes.
This restriction does not prohibit disclosures to service providers that are necessary to provide, manage, or deliver text messaging or other communications on behalf of CondoRisk.
Such service providers may receive mobile information or text messaging information solely as necessary to perform services for CondoRisk and are not authorized to use that information for their own marketing or promotional purposes.
6. Nonpublic Personal Financial Information
In connection with providing insurance products and services, we may collect and maintain nonpublic personal financial information about consumers.
This information may include information you provide to us in an application or other insurance-related document, information relating to your insurance transactions, and information obtained from insurance carriers, consumer reporting agencies, or other sources as permitted by law.
We maintain policies and procedures designed to protect the confidentiality and security of nonpublic personal information.
We do not disclose nonpublic personal information about our customers except as permitted or required by applicable law, including disclosures necessary to provide insurance products and services, service insurance policies, protect against fraud or unauthorized transactions, comply with legal requirements, or otherwise perform functions permitted by applicable insurance privacy laws.
Where applicable law provides a consumer with a right to opt out of certain disclosures of nonpublic personal information, we will provide the notices and opt-out opportunity required by that law.
7. Protection of Information
We maintain administrative, technical, and physical safeguards designed to protect information in our possession against unauthorized access, use, alteration, or disclosure.
Access to nonpublic personal information is limited to individuals and service providers who have a legitimate business need to access that information.
No method of transmitting or storing information electronically can be guaranteed to be completely secure. Accordingly, while we take reasonable measures to protect information, we cannot guarantee absolute security.
8. Cookies and Analytics
Our website may use cookies, analytics tools, or similar technologies to operate the website, improve functionality, understand website traffic, and improve our services.
These technologies may collect information such as IP address, browser type, device type, pages viewed, referring website, and general website activity.
You may be able to control or restrict cookies through your web browser or device settings. Disabling certain cookies may affect the functionality of portions of our website.
9. Third-Party Websites and Services
Our website may contain links to websites or services operated by third parties, including insurance carriers and other service providers.
We are not responsible for the privacy practices, security, content, or policies of third-party websites. We encourage you to review the privacy policies of any third-party website before providing personal information.
10. Communications and Marketing
If you provide us with your telephone number, email address, or other contact information, we may use that information to communicate with you regarding your inquiry, insurance coverage, policy, Certificate of Insurance request, claim, or other services you have requested.
Where permitted by law, we may also communicate with you regarding products or services that may be relevant to your insurance needs.
You may request that we stop sending marketing emails or other marketing communications by following the unsubscribe instructions in an applicable electronic communication or by contacting us using the information below.
Mobile information and text messaging opt-in data are subject to the specific restrictions described in Section 4 of this Privacy Policy and will not be shared with third parties or affiliates for marketing or promotional purposes.
Please note that even if you opt out of marketing communications, we may continue to send communications that are necessary to administer your insurance relationship, respond to requests, or comply with legal or contractual obligations.
11. Children’s Privacy
Our website and insurance services are not directed toward children under the age of 13.
We do not knowingly collect personal information from children under 13 through our website. If you believe a child has provided personal information to us through the website, please contact us so that we can take appropriate steps.
12. Retention of Information
We retain information for as long as reasonably necessary to provide our services, maintain appropriate business and insurance records, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and enforce our agreements.
The length of time information is retained may vary depending on the type of information and the nature of the insurance relationship.
13. Your Privacy Rights
Depending on your state of residence and the circumstances under which we collect and use your information, you may have certain rights concerning your personal information.
These rights may include the right to request access to certain information, request correction of inaccurate information, or make other requests provided by applicable law.
Insurance-specific privacy laws may impose additional requirements concerning nonpublic personal information.
To make a privacy-related request, please contact us using the information below. We may need to verify your identity before completing certain requests.
14. State-Specific Insurance Privacy Rights
CondoRisk operates as an insurance producer/brokerage and is subject to applicable federal and state insurance privacy requirements.
Privacy rights and notice requirements may differ depending upon the state in which you reside, the insurance product involved, and whether you are a customer, applicant, former customer, or other consumer.
Nothing in this Privacy Policy is intended to limit any privacy rights or protections available to you under applicable federal or state law.
Where a separate insurance privacy notice is required by applicable law, that notice will govern the applicable insurance privacy practices and will be provided in accordance with applicable requirements.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, technology, or applicable laws and regulations.
When we make changes, we will update the “Effective Date” at the beginning of this Privacy Policy. We encourage you to periodically review this page for the most current version.
Where applicable law requires a separate notice or specific method of delivery for changes to our privacy practices, we will comply with those requirements.
16. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Condo Risk Insurance Specialist, Inc.
10771 Route 47
Huntley, IL 60142
Phone: (224) 858-7777
Fax: (224) 858-7779
Website: CondoRiskInsurance.com
For privacy-related questions or requests, please contact our office using the information above.