Underwrite360 Privacy Policy

1. Introduction

Underwrite360 ("we," "our," or "us") respects the privacy of individuals who visit our website, contact our team, or inquire about our commercial credit analysis and underwriting services.

This Privacy Policy explains what information we collect, how we use it, when we may share it, and the choices available to you regarding your personal information.

This policy applies to information collected through underwrite360.com and related website inquiries and communications. Information received during a professional underwriting or credit analysis engagement may be subject to separate agreements, confidentiality obligations, authorizations, or disclosures.

2. Information We Collect

We collect information you voluntarily provide when contacting Underwrite360 or requesting information about our services.

Depending on the inquiry, this may include:

• First and last name, email address, and telephone number.
• Business, financial institution, or organization name.
• Organization or entity type.
• Information about underwriting, credit analysis, or other services requested.
• Information included in messages describing your needs, circumstances, or proposed engagement.

We may also collect information through subsequent business correspondence, telephone conversations, and other interactions related to our services.

Information Collected Automatically

When you visit our website, certain technical information may be collected through website hosting, analytics, cookies, and similar technologies.

This may include your IP address, browser and device information, pages visited, referring websites, approximate location, and interactions with website content.

Additional information about these technologies appears in Section 7.

3. How We Use Your Information

Underwrite360 uses information collected through its website and business communications to:

• Respond to inquiries and requests for information.
• Contact prospective clients about their underwriting and credit analysis needs.
• Understand the nature and scope of potential professional engagements.
• Coordinate services among authorized Underwrite360 representatives.
• Maintain business relationships and records.
• Operate, maintain, secure, and improve our website.
• Understand website traffic and marketing performance.
• Comply with applicable legal and business obligations.

We may also use contact information to communicate relevant business updates, underwriting insights, and information about Underwrite360's services, subject to applicable marketing requirements and communication preferences.

4. Contacting You About Your Inquiry

When you submit an inquiry through our website, you are requesting that Underwrite360 contact you regarding the information or services you have requested.

Underwrite360 or its authorized representatives may contact you by email or telephone using the contact information you provide.

Submitting an inquiry does not require you to subscribe to a newsletter or consent to unrelated promotional communications.

Where we send promotional email communications, we will provide applicable opt-out options and honor unsubscribe requests as required by law.

5. How We Share Information

Underwrite360 may disclose information to appropriate parties when necessary to respond to inquiries, provide services, and operate our business.

These parties may include:

Authorized Representatives and Contracted Professionals

We may share information with authorized Underwrite360 personnel and contracted professionals working on behalf of the company.

Professional Engagements

Information received during underwriting or credit analysis engagements is handled in accordance with applicable agreements, confidentiality requirements, authorizations, and legal obligations.

Business Service Providers

We use third-party services to support website operations, form processing, communications, analytics, security, and internal business administration.

These include Web3Forms, Google services, Lovable website hosting and analytics, email providers, and other business technology services.

Legal and Business Requirements

We may disclose information when required by applicable law, legal process, or regulatory obligations, or when reasonably necessary to protect our rights, security, or legitimate business interests.

Sale of Personal Information

Underwrite360 does not sell website inquiry information or customer contact lists to data brokers or other businesses.

Certain privacy laws may separately define disclosures involving advertising technologies as the "sale" or "sharing" of personal information. Any applicable disclosures and opt-out rights will be addressed according to the technologies actually used and applicable law.

6. Website Inquiry Processing and Storage

Our website uses Web3Forms to process form submissions.

When you submit an inquiry, the information is transmitted over HTTPS to Web3Forms for processing and delivery to designated Underwrite360 email recipients.

Web3Forms retains submission records according to the retention period configured for the account and its applicable service policies. Underwrite360's website does not maintain a separate database of inquiry submissions.

Information may subsequently be maintained in company email accounts, business documents, or other systems used for customer communications and professional services.

Web3Forms processes information according to its applicable terms, privacy documentation, and data processing arrangements.

You can review the Web3Forms Privacy Policy.

7. Cookies, Analytics, and Website Technologies

Underwrite360 uses cookies and related technologies to operate its website, support security, and understand website performance.

These technologies include:

Essential Website Technologies

Technologies necessary for website operation, delivery, and security.

Website Analytics

We use Google Analytics 4 and Lovable Analytics to understand website visits, traffic sources, visitor interactions, and website performance.

Google Analytics may record interactions with inquiry forms, including when a visitor begins completing a form and when an inquiry is successfully submitted. Successful-inquiry tracking may include the general organization category selected.

Our current analytics implementation does not transmit visitor-entered names, email addresses, telephone numbers, organization names, or inquiry messages to Google Analytics or Lovable Analytics. Information submitted through inquiry forms is processed separately through Web3Forms.

Cookie and Privacy Choices

Underwrite360 does not currently provide a website-specific cookie consent banner or cookie preference management tool.

Visitors may manage or delete cookies through their browser settings. Additional privacy choices or consent requirements may apply depending on applicable law and the technologies used on the website.

8. Data Retention

Underwrite360 retains personal information for as long as reasonably necessary for legitimate business purposes, professional relationships, recordkeeping, and applicable legal obligations.

Retention may vary depending on the nature of the information, the business relationship, and the systems in which it is maintained.

Website inquiries processed by Web3Forms are subject to the retention period configured for that service. Other third-party providers may have separate retention practices.

Where applicable law requires deletion or provides individuals with deletion rights, Underwrite360 will address such requests in accordance with those requirements.

9. Data Security

Underwrite360 takes measures intended to protect information collected through its website and business operations.

These include encrypted transmission of website inquiry submissions and access to business information through authorized accounts.

No method of electronic transmission or storage can be guaranteed completely secure.

10. Your Privacy Choices and Rights

You may contact Underwrite360 to ask questions about information you have provided or to request access, correction, or deletion, subject to applicable law and relevant business or legal obligations.

Depending on your location and applicable privacy law, you may have additional rights relating to the collection, use, disclosure, or processing of your personal information.

Where required, Underwrite360 will provide applicable mechanisms for exercising those rights.

You may also opt out of promotional email communications using the unsubscribe instructions included in those communications.

11. Third-Party Websites and Services

Our website may contain links to websites or services operated by other organizations, including professional partners and social media platforms.

Underwrite360 is not responsible for the independent privacy practices of those organizations.

We encourage visitors to review the privacy policies of third-party websites before providing information directly to them.

12. Children's Privacy

Underwrite360's website and professional services are intended for business and professional audiences and are not directed to children.

We do not intentionally solicit personal information from children through our website inquiry forms.

13. Changes to This Policy

Underwrite360 may update this Privacy Policy to reflect changes in business practices, website technology, service providers, or legal requirements.

Updates will be posted on this page with a revised effective date.

14. Contact Underwrite360

For questions about this Privacy Policy or how Underwrite360 handles personal information, please contact:

Underwrite360
Crux MKE LLC
P.O. Box 164
Mequon, WI 53092
info@underwrite360.com
262-358-1037