Privacy, in plain language.
Insurance requires real information. This notice explains what Riza collects through this website, why we use it, and when we share it.
Scope
This notice applies to information Riza Risk, LLC collects through rizarisk.com, our AI Concierge, quote and policy-review forms, documents you submit, and communications that begin through this website.
Insurance privacy laws can require a separate financial privacy notice when a customer relationship begins or when certain personal information is shared. This website notice does not replace any notice Riza is required to provide for an insurance transaction.
Information we collect
Information you give us
This may include your name, business contact details, business operations, locations, employees, payroll, revenue, vehicles and drivers, property, coverage needs, loss history, current insurance, contracts, and policy documents you choose to upload.
Information created as you use the site
We may receive device and request information such as IP address, browser type, approximate location, referring page, pages viewed, links selected, campaign information, and form progress. Cookies, pixels, logs, and similar technologies may create some of this information.
Information in documents and communications
Policies, applications, loss runs, contracts, emails, AI Concierge messages, call recordings, transcripts, and other records can contain information about business owners, employees, drivers, claimants, or other people. Only submit information you are authorized to provide.
Please do not send Social Security numbers, payment-card details, bank credentials, medical records, or other highly sensitive information through a general website form unless Riza specifically requests it through an appropriate process.
Where it comes from
We collect information directly from you and from people authorized to act for your business. When permitted and relevant to your request, we may also receive information from insurers, managing general agents, wholesalers, prior brokers, service providers, public business records, and other insurance-market sources.
How we use it
- Respond to your request and confirm whether Riza can currently serve your state.
- Understand the business and organize an insurance submission.
- Seek or compare coverage options when you authorize us to do so.
- Provide service, communicate about your request, and maintain business records.
- Train our team, review service quality, and improve our internal processes.
- Measure website and marketing performance and show relevant advertising.
- Prevent fraud, protect the site, and comply with law.
Submitting information does not bind coverage, guarantee a quote, create a brokerage relationship, or authorize Riza to act where it is not licensed or otherwise permitted to operate.
AI and automation
Riza Concierge is an AI system, not a licensed insurance professional. Its messages provide general educational guidance and may be stored with the anonymous chat session or a broker-handoff request.
Riza may use artificial intelligence and other software tools to extract information from documents, structure applications, summarize calls, compare policy terms, draft communications, organize work, and support service. Those tools may process information described in this notice.
AI output can be incomplete or wrong. Riza uses human review for material customer communications and insurance work. Riza does not use the website or an AI system to make a final carrier underwriting decision or bind coverage without review by licensed people and the applicable insurance market.
We may use aggregated or deidentified information to evaluate and improve internal systems. We will not use identifiable customer information for a materially different AI-training purpose without an appropriate legal basis, notice, or consent.
Calls and communications
Riza may record and transcribe phone or video calls for documentation, service, quality review, training, fraud prevention, and compliance. We will tell you at the beginning of the call and record only with consent. If you do not want a call recorded, tell us so we can discuss another way to communicate.
Emails, text messages, call recordings, and transcripts may be stored with the related insurance request and may be processed by the software tools described above. If you opt into text messages, message and data rates may apply and you may reply STOP to opt out.
Analytics and advertising
Riza and its providers may use cookies, pixels, logs, and similar technologies to deliver the site, remember progress, prevent abuse, understand how public pages are used, attribute leads to campaigns, measure conversions, and improve advertising. Advertising providers may use online identifiers and activity from public pages to help Riza reach people who may be interested in its services.
Riza does not intend to send uploaded policies, loss runs, payroll, driver details, claim information, call transcripts, or the answers entered in an insurance application to advertising platforms. Analytics and advertising tools should be limited to public-page and conversion activity.
You can limit cookies using your browser settings. Where required by applicable law, Riza will provide a way to opt out of targeted advertising or the sale or sharing of personal information and will honor recognized browser-based opt-out signals.
Retention and security
We keep information for as long as reasonably needed for the request, service, legal, compliance, security, and recordkeeping purposes described here. Retention periods vary based on the information and our obligations.
AI Concierge message content is ordinarily scheduled for deletion after 90 days. A broker-handoff request and other records connected to an insurance request may be retained longer for service, compliance, security, and recordkeeping.
We use administrative, technical, and physical safeguards designed to protect information. No internet transmission or storage system is completely secure, so we cannot promise absolute security.
Your choices
Depending on where you live and the law that applies, you may have rights to request access to, correction of, or deletion of certain personal information. We may need to verify your identity and may retain information required for insurance, legal, security, or recordkeeping purposes.
You may also have a right to opt out of targeted advertising, sale, or sharing and to appeal a decision about a privacy request. Riza will not discriminate against you for exercising a privacy right.
If you opt into text messages, reply STOP to opt out. You may still receive non-marketing communications needed to respond to a request. You can unsubscribe from marketing email using the link in the message or by contacting us.
The site is for businesses and adults. It is not directed to children under 13, and we do not knowingly collect their personal information.
Contact us
Questions or privacy requests can be sent to hello@rizarisk.com or by calling +1 802-GOT-RIZA.
We may update this notice as our services or legal obligations change. The effective date at the top shows the latest revision.