Privacy Policy

Effective Date: June 18, 2026
Last Updated: June 18, 2026

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1. Who We Are and Scope

Apple City LLC d/b/a Cater Insurance Brokers (“Cater Insurance Brokers,” “Cater,” “we,” “us,” or “our”) is an online insurance brokerage. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you:

• Visit CaterProtects.com;

• Submit a contact, appointment, quote, intake, application, enrollment, or policy-service request;

• Communicate with us by telephone, text message, email, video appointment, or other electronic means;

• Upload documents;

• Request or obtain insurance-related products or services; or

• Otherwise interact with Cater Insurance Brokers.

This Policy does not control the independent privacy practices of insurance carriers, managing general agents, wholesalers, government marketplaces, quote platforms, payment processors, consumer reporting agencies, or other third-party websites and services. Their separate privacy notices and terms may apply.

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2. Information We Collect

Depending on the product or service requested, we may collect the following categories of information:

Contact and identifying information

Name, email address, telephone number, mailing address, date of birth, electronic signature, customer or policy identifiers, and other information needed to identify or communicate with you.

Business and professional information

Business name, DBA, entity type, ownership information, business address, industry, operations, licenses, years in business, employees, payroll, revenue, subcontractor information, locations, contracts, and related operational details.

Insurance and application information

Coverage requested, current and prior carriers, policy numbers, expiration dates, limits, deductibles, claims, loss history, underwriting information, renewal information, and policy-service requests.

Driver and vehicle information

Driver names, dates of birth, license information, driving history, vehicle identification information, garaging information, mileage, vehicle use, fleet information, USDOT or motor-carrier information, and related transportation data.

Property information

Property address, ownership, occupancy, construction, year built, square footage, renovations, safety systems, replacement value, rental income, mortgage or loan information, flood information, and prior property losses.

Financial and transaction information

Payment status, billing information, premium information, payroll, revenue, property values, requested limits, and information needed for insurance quoting, underwriting, payment, or policy servicing. Payment-card information may be processed directly by a third-party payment provider rather than stored by Cater.

Consumer-report and insurance-history information

Where permitted by law, this may include motor vehicle records, prior loss reports, CLUE or A-PLUS information, insurance scores, credit-based insurance information, claims databases, public records, and other consumer-report information used for insurance purposes.

Health and enrollment information

For life, accident and health, employee-benefit, marketplace, or other health-related services, we may collect information concerning eligibility, household or employee enrollment, health-related answers, beneficiaries, coverage history, and other information required by an insurer or enrollment platform.

Communications and consent records

Emails, call notes, text-message records, appointment information, document requests, customer-service communications, marketing preferences, opt-in and opt-out records, electronic-signature records, and records showing when and how consent was provided.

Uploaded documents

Applications, identification documents, insurance records, loss runs, vehicle records, property records, business documents, payroll records, signed forms, licenses, and other materials submitted in connection with a request.

Website and device information

Internet Protocol address, browser type, device type, operating system, pages viewed, referring page, dates and times of access, cookie identifiers, form activity, and general website usage information.

Please do not submit Social Security numbers, medical records, payment-card information, or other highly sensitive information through an ordinary contact form or unsecured email unless Cater specifically requests it and provides an appropriate submission method.

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3. Sources of Information

We may obtain information:

• Directly from you;

• From an authorized family member, employer, employee, business owner, representative, or agent;

• From insurance carriers, managing general agents, wholesalers, brokers, enrollment platforms, and quote systems;

• From consumer reporting agencies, motor vehicle databases, claims databases, insurance-history sources, and fraud-prevention services;

• From government records, professional-license databases, business filings, and other publicly available sources;

• From website cookies, analytics tools, communications systems, and other technology providers; and

• From service providers that assist us with insurance operations.

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4. How We Use Information

We may use information to:

• Respond to inquiries and appointment requests;

• Prepare, compare, and present available insurance quotes;

• Submit information to carriers, managing general agents, wholesalers, raters, and enrollment platforms;

• Assist with applications, enrollment, underwriting, billing, binding requests, renewals, claims, certificates, and policy service;

• Verify identity, authority, eligibility, ownership, driving history, insurance history, or other submitted information;

• Obtain consumer reports when permitted and authorized;

• Communicate about documents, appointments, applications, underwriting, payments, renewals, and account or policy matters;

• Prevent fraud, misuse, security incidents, and unauthorized transactions;

• Maintain business, consent, compliance, and transaction records;

• Meet insurance, licensing, legal, regulatory, audit, cybersecurity, and record-retention requirements;

• Operate, secure, analyze, and improve our website and services; and

• Provide marketing communications when permitted by law and consistent with your communication choices.

Submitting information does not bind, issue, change, renew, reinstate, or cancel insurance coverage.

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5. How We Disclose Information

We may disclose information as reasonably necessary to:

• Insurance carriers;

• Managing general agents, wholesalers, program administrators, and other insurance intermediaries;

• Comparative raters and quoting platforms;

• Enrollment, marketplace, benefits, and application platforms;

• Consumer reporting agencies, motor vehicle record providers, claims-history providers, fraud-prevention services, and similar information sources;

• Customer relationship management, communications, telephone, text-message, email, electronic-signature, document-storage, cloud-hosting, cybersecurity, and information-technology providers;

• Payment processors and billing providers;

• Attorneys, accountants, auditors, consultants, and other professional advisers;

• Regulators, licensing authorities, courts, law enforcement, and government agencies;

• Parties involved in a subpoena, court order, legal proceeding, investigation, audit, or regulatory request;

• A successor or potential successor in a merger, acquisition, financing, reorganization, sale, or transfer of business assets; and

• Other parties at your direction or with your authorization.

We do not sell personal information for monetary payment.

We do not share mobile telephone numbers or SMS consent records with unaffiliated third parties or affiliates for their independent marketing. Service providers may process telephone numbers and messaging records only as needed to provide communications or related services for Cater, subject to applicable restrictions.

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6. Consumer Financial and Insurance Privacy Notice

In connection with personal, family, or household insurance products, Cater may collect nonpublic personal financial information from:

• Applications and forms you submit;

• Transactions with Cater, insurers, or service providers;

• Consumer reporting agencies;

• Claims and loss-history sources; and

• Other sources permitted by law.

Cater may disclose this information to insurers, insurance intermediaries, service providers, consumer-reporting sources, regulators, and other parties as permitted by law or as necessary to provide, administer, process, service, or enforce a product or transaction that you request or authorize.

This section applies to current and former customers.

Cater does not disclose nonpublic personal financial information to nonaffiliated third parties for their independent marketing except when separately authorized or otherwise permitted by law. If Cater changes its practices in a manner that creates a legal right to opt out, Cater will provide an appropriate revised notice and a reasonable method to exercise that right before the applicable disclosure.

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7. Health and Enrollment Information

Cater may collect nonpublic personal health or enrollment information when assisting with life, accident and health, employee-benefit, marketplace, Medicare, or other health-related insurance services.

We use and disclose this information only as permitted by law, as necessary to process an authorized insurance or enrollment request, or pursuant to an appropriate authorization. A separate health-information authorization may be required before certain information is disclosed.

Not every health-related communication received by Cater is necessarily governed by the federal HIPAA Privacy Rule. Other federal and state insurance privacy requirements may nevertheless apply.

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8. Consumer Reports and Insurance History

Where permitted by law, Cater, a selected insurer, or an insurance intermediary may obtain consumer reports or insurance-history information for quoting, eligibility, underwriting, policy service, fraud prevention, or other lawful insurance purposes.

These reports may include motor vehicle records, insurance scores, credit-based insurance information, prior claims, loss history, CLUE or A-PLUS information, public records, and similar information.

When authorization or a separate notice is required, it will be presented through the applicable form, application, insurer, or reporting process. Insurers and consumer reporting agencies may maintain separate privacy notices and procedures for disputing inaccurate information.

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9. Cookies, Analytics and Advertising Technologies

CaterProtects.com and its technology providers may use essential, functional, analytics, and advertising cookies or similar technologies.

These technologies may be used to:

• Operate and secure the website;

• Remember preferences;

• Understand website usage;

• Measure form and advertising performance;

• Detect technical problems or misuse; and

• Improve website content and services.

You may manage cookies through available cookie controls or browser settings. Blocking cookies may affect certain website functions. Browser-based “Do Not Track” signals may not operate uniformly across websites and services.

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10. Calls, Text Messages and Email

Providing a telephone number does not by itself constitute consent to receive automated marketing text messages.

When you request a quote, appointment, application, enrollment assistance, or policy service, Cater may contact you by telephone or email regarding that specific request.

When you affirmatively opt in to text messaging, you may receive text messages concerning quotes, applications, underwriting, documents, appointments, policy service, renewals, payments, or customer support. Messages may be sent using automated technology where disclosed and permitted.

Message frequency varies. Message and data rates may apply. Consent to marketing messages is not a condition of purchasing insurance or receiving a quote.

Reply STOP to opt out of text messages or HELP for assistance. You may also contact Cater at 929-552-2457 or support@caterprotects.com.

Promotional messages concerning other insurance products will be sent only when supported by an appropriate, separate marketing permission or another lawful basis. Email marketing messages will include an available unsubscribe method.

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11. Data Retention

Cater retains information for as long as reasonably necessary to:

• Respond to and process a request;

• Maintain quote, application, enrollment, consent, transaction, policy, customer-service, and compliance records;

• Meet insurance, legal, regulatory, tax, audit, fraud-prevention, cybersecurity, litigation, and record-retention requirements;

• Resolve disputes; and

• Enforce agreements.

Retention periods vary according to the type of record, product, carrier, jurisdiction, legal requirement, and business need. Cater may be unable to delete records that must be retained for legal, regulatory, contractual, fraud-prevention, audit, or insurance purposes.

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12. Information Security

Cater maintains reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure.

Access is limited to persons and service providers with an appropriate business need, subject to applicable requirements.

No website, email system, electronic transmission method, or storage system can be guaranteed to be completely secure. Contact Cater promptly if you believe information submitted to us may have been compromised.

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13. Your Privacy Choices and Requests

Subject to applicable law and verification, you may request that Cater:

• Confirm whether it maintains certain personal information about you;

• Provide access to available personal information;

• Correct inaccurate or incomplete information;

• Delete certain information that Cater is not legally or operationally required to retain;

• Update communication preferences;

• Withdraw optional marketing permission; or

• Explain the general categories of information Cater collects and discloses.

Withdrawal of consent applies prospectively and does not invalidate actions taken before the withdrawal became effective.

To submit a request, email support@caterprotects.com or call 929-552-2457. Cater may request information reasonably necessary to verify your identity and authority.

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14. Children’s Privacy

Cater’s website and insurance services are not directed to children under 13. We do not knowingly collect personal information directly from children under 13 through the website without appropriate authorization.

Information about minors may be provided by a parent, guardian, policyholder, employer, or authorized representative when reasonably necessary for an insurance application, beneficiary designation, household enrollment, or related service.

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15. Third-Party Websites and Platforms

Cater’s website may link to insurance carriers, quote systems, enrollment platforms, payment providers, electronic-signature systems, government websites, and other third-party services.

Those parties operate independently and may collect information under their own privacy notices, terms, security practices, and consent procedures. Review the applicable third-party policies before submitting information.

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16. Data-Breach Notification

If Cater determines that a security incident requires notification under applicable law, Cater will provide required notices to affected individuals, regulators, consumer reporting agencies, or other authorities as applicable.

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17. Changes to This Policy

Cater may update this Privacy Policy to reflect changes in law, technology, services, vendors, or business practices.

The revised Policy will be posted on this page with an updated “Last Updated” date. Material changes may also be communicated through other appropriate means when required.

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18. Contact Us

Apple City LLC d/b/a Cater Insurance Brokers
Online Insurance Brokerage
Phone: 929-552-2457
Email: Support@caterprotects.com
Website: CaterProtects.com

Cater Insurance Brokers provides services remotely and does not maintain a walk-in customer service location. Insurance products are available only where Cater and the applicable producer are properly licensed and are subject to carrier availability, eligibility, underwriting, policy terms, exclusions, and required payment.