Privacy Policy

This Privacy Policy describes how 5iveRivers LLC dba GuardianSpec Insurance Services ("GuardianSpec," "we," "us" or "our") collects, uses, shares and protects personal information. It applies to information collected through this website and its forms, and through phone, email and scheduling interactions connected to it. By using this website, you agree to the practices described here.

1. Information we collect

Information you provide

When you request a quote, submit a service request, take our risk diagnostic, book a consultation or contact us, you may give us:

• Contact details: name, title, email address, phone number and preferred contact method.
• Business information: business name, industry, state, years in business, revenue and employee ranges, operations and locations.
• Insurance information: coverage interests, current carriers, policy numbers, renewal dates, claims history, certificate holder details, vehicle information, and your answers to our risk diagnostic.
• Documents you upload: such as declarations pages, policies, contracts or loss runs. These may contain additional personal or business information, so please share only what's needed for your request.
• Messages and any other information you choose to send us.

Information collected automatically

Like most websites, our hosting provider automatically records basic technical information when you visit, such as your IP address, browser and device type, pages viewed, referring page, and the date and time of your visit. We use it to operate, secure and improve the site.

Information from other sources

To quote, place and service coverage, we may receive information about you or your business from insurance carriers, managing general agents, wholesale brokers and, where permitted by law, consumer reporting agencies and public records. If you start a quote through our NEXT Insurance partner portal or book time through Microsoft Bookings, those services may share the details of your request with us.

2. How we use your information

• To respond to your inquiries and requests.
• To prepare quotes, market your risk to insurers, and place, service and renew coverage.
• To handle service requests such as certificates of insurance, auto ID cards, policy changes and billing questions.
• To support you with claims and advocate on your behalf.
• To prepare and share your risk diagnostic results and coverage recommendations.
• To communicate with you about your coverage and our services. You may opt out of marketing messages at any time.
• To maintain the security of our website and systems, and to prevent fraud.
• To comply with legal, regulatory and insurance recordkeeping obligations.

3. How we share your information

We do not sell your personal information for money. We share information as needed to serve you and operate our business, including with:

• Insurance companies and intermediaries: carriers, managing general agents, and wholesale or excess and surplus lines brokers, to obtain quotes and to place and service your coverage.
• Service providers that support our business under confidentiality obligations, such as website hosting and form processing, email, scheduling, and document storage providers.
• Partner platforms at your direction: for example, when you use our NEXT Insurance partner portal.
• Advertising and analytics partners, such as Meta (Facebook and Instagram) and Google, through cookies, pixels and similar technologies, to measure and improve our marketing. See section 5.
• Legal and regulatory authorities, when required by law or legal process, or when needed to protect the rights, property or safety of our clients, our agency or others.
• A successor organization, in connection with a merger, acquisition or transfer of our business, subject to this policy.
• Anyone else, with your consent.

4. Insurance information privacy

As an insurance agency, we handle nonpublic personal information in line with the Gramm-Leach-Bliley Act and applicable state insurance privacy laws. We don't disclose nonpublic personal information to nonaffiliated third parties except as permitted by law, for example to process, service or administer your insurance. Insurance companies that issue your policies may send you their own privacy notices, which govern their handling of your information.

5. Cookies, pixels and advertising

We and our partners may use cookies, pixels (such as the Meta Pixel), tags and similar technologies on this website. They help us understand how visitors use the site, measure the performance of our advertising, and show relevant GuardianSpec ads on other platforms, such as Facebook and Instagram. These technologies may collect information such as your IP address, device and browser details, pages viewed, and actions taken on the site.

To display the site, your browser also loads fonts from Google Fonts, which receives standard technical information such as your IP address under its own privacy policy.

Your choices: you can block or delete cookies in your browser settings, adjust your ad preferences directly with Meta and Google, and opt out of interest-based advertising through tools such as the Digital Advertising Alliance (optout.aboutads.info). Where required by law, we honor Global Privacy Control signals as a request to opt out of the sale or sharing of personal information for targeted advertising.

6. Data security and retention

We use reasonable administrative, technical and physical safeguards to protect your information, including encrypted (HTTPS) connections to this website. No method of transmission or storage is completely secure, so we can't guarantee absolute security. Please don't send highly sensitive information, such as full Social Security or bank account numbers, through our website forms unless we specifically request it.

We keep personal information for as long as we need it for the purposes described in this policy, including servicing your coverage, and as required by insurance recordkeeping and other laws. When it's no longer needed, we delete or de-identify it.

7. Your privacy choices

Depending on where you live, you may have the right to:

• Know what personal information we have about you, and get a copy of it.
• Correct inaccurate information.
• Delete your personal information, subject to legal and insurance recordkeeping exceptions.
• Opt out of marketing communications.
• Opt out of the sale or sharing of personal information for targeted advertising.

Residents of California and other states with consumer privacy laws may have additional rights. Some of these laws exempt information that is governed by the Gramm-Leach-Bliley Act or state insurance privacy laws. To make a request, contact us using the details below. We'll verify your identity before responding, and you may use an authorized agent where the law allows. We will not discriminate against you for exercising your privacy rights.

8. Children's privacy

Our website and services are intended for businesses and adults. They are not directed to children under 16, and we don't knowingly collect personal information from anyone under 16 through this website. If you believe a child has given us personal information, please contact us and we'll delete it. If a parent or guardian gives us information about a household member who is a minor as part of an insurance application, such as a listed driver, we use it only to quote and service that coverage.

9. Third-party websites

Our site links to websites we don't control, including insurance carriers, our NEXT Insurance partner portal and Microsoft Bookings. Their privacy practices are governed by their own policies, and we encourage you to review them.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we'll post the revised version on this page and update the effective date above. Material changes will be highlighted where appropriate.

11. Contact us

If you have questions about this policy or want to make a privacy request, contact: