About United Marine Underwriters Website
This web site contains general information that we hope is useful to insureds and insurance agents who
may want to purchase insurance through United Marine Underwriters (UMU).
References to "coverage" or similar terms in the web site text refer to insurance policies with the insurance companies
UMU represents. Any descriptions of insurance coverage are intended as general information only and do not amend or alter any provision
in any insurance policy contract. Coverage is governed solely by the terms and conditions of the policy itself. You may have accessed
this web site by linking from another site, and you may leave this site and access other sites. UMU does not warranty the content or
accuracy of any other web sites, and therefore disclaims responsibility for their content or accuracy.
About our Privacy Policy
At United Marine Underwriters, we are committed to protecting your privacy and earning your trust.
We do not sell, trade, or rent personal information. We will use information provided by you or gathered
on your behalf to provide you with the insurance products and services you request. We may also use it to
inform you about new products and services that we think you will find valuable. To offer you a quote,
we must provide insurance companies with your information. They use information from you and may use
information from other sources, such as your driving, claims and credit histories. They may review your
claims history or loss experience and may report future claims made by you to a claim’s history provider.
They may review your motor vehicle or driver history report. They may review your credit report or obtain
or use a credit-based insurance score based on the information contained in that credit report. They may
use a third party in connection with the development of your insurance score. A credit-based insurance
score will not impact your credit rating or score. For Florida accounts, the Department of Financial
Services offers free financial literacy programs to assist you with insurance-related questions, including
how credit works and how credit scores are calculated. To learn more,
visit www.MyFloridaCFO.com
About our Messaging Program Privacy Policy
1. Introduction
United Marine Underwriters ("we," "us," or "our") operates an SMS/text messaging program for insurance-related communications.
This policy explains how we collect, use, and protect your information when you participate in our messaging program.
2. Information We Collect
- Personal Information: Your cell phone number when you fillout quote or purchase forms, or when you opt-in
- Usage Data: Message delivery receipts, response times, and interaction patterns
- Preferences: Your selected communication preferences and opt-in/opt-out status
3. Program Description
Our program delivers insurance-related messages including:
- Authenticate users
- Policy updates and renewals
- Claim status notifications
- Payment reminders
Message Frequency: Typically up to 10 messages/month. Message frequency may vary by user. Message and data rates may apply.
4. Consent & Opt-In
You may opt-in by:
- Submitting a quote form or purchase form which includes online consent authorization
- Providing verbal consent to a United Marine representative
By opting in, you:
- Confirm you are at least 18 years old
- Agree to receive recurring automated SMS/MMS messages
- Acknowledge that consent is not a condition of purchase
Upon subscribing, you may receive the following confirmation:
United Marine Underwriters: You’re subscribed to receive policy and account-related alerts (e.g., quote requirements, renewals, payment notices). Msg&Data rates may apply. Msg freq varies. Reply HELP for help, STOP to cancel.
We comply with the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.
5. Data Use & Protection
We use your information to:
- Deliver requested messaging services
- Respond to inquiries and provide support
- Improve message relevance and timing
- Comply with legal obligations
Security Measures: Encryption, access controls, and regular security audits.
Data Retention: We retain user data for up to 12 months after opting out, unless otherwise required by law.
6. Data Sharing
We may share your information with:
- SMS platform providers (under confidentiality agreements)
- Regulatory or legal authorities, when required by law
We never sell or rent your personal information.
7. Your Rights
You may at any time:
- Request access to your personal data
- Correct inaccurate information
- Request deletion of your information (subject to legal requirements)
- Text STOP to opt-out (takes effect immediately; no further messages will be sent unless you re-subscribe)
- Text HELP for assistance
8. Supported Carriers
Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most major U.S. carriers.
Wireless carriers are not liable for delayed or undelivered messages.
9. Policy Changes
We may update this policy from time to time. Material changes will be posted to our website and/or sent via SMS.
Continued participation after such changes constitutes acceptance of the revised policy.
10. Contact Us
United Marine Underwriters
101 W Main Street, P.O. Box 9
LaGrange, KY 40031
Phone: (800) 477-7140
Email: umu@unitedmarine.net
Website: www.unitedmarine.net
This privacy policy is available in alternate formats upon request.
