Effective Date: October 24, 2026
 

Spruce Private Risk (“Spruce Private Risk,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide when you visit our website, contact us, or inquire about our insurance services.
 

This Privacy Policy explains the types of information we may collect, how we may use that information, and the choices available to you.


 

Information We Collect
 

We may collect personal information that you voluntarily provide to us through our website, contact forms, telephone calls, email communications, or other interactions.
 

This information may include:
 

• Name

• Email address

• Telephone number

• Mailing address

• Business or company information

• Insurance interests or coverage needs

• Information included in messages or inquiries you submit

• Other information you choose to provide when requesting information or a consultation
   

We may also collect certain technical information automatically when you visit our website, including:
 

• IP address

• Browser type

• Device information

• Pages visited

• Referring website

• Approximate geographic location

• Website usage and interaction information
   

This information may be collected through cookies, analytics technologies, or similar tools.


 

How We Use Information
 

We may use the information we collect to:
 

• Respond to inquiries and consultation requests

• Communicate with prospective and existing clients

• Provide information regarding insurance products and services

• Evaluate insurance needs and potential coverage options

• Schedule appointments

• Improve our website and client experience

• Measure website and advertising performance

• Maintain the security and functionality of our website

• Comply with applicable legal, regulatory, licensing, or recordkeeping requirements
   

Submitting information through this website does not create an insurance contract, guarantee coverage, or obligate Spruce Private Risk or any insurance carrier to provide coverage.


 

Insurance Information
 

If you decide to pursue insurance coverage, additional personal, financial, medical, business, or other information may be required as part of the insurance application and underwriting process.
 

Such information may be provided to insurance carriers, underwriting organizations, service providers, or other parties involved in evaluating, issuing, administering, or servicing insurance coverage.
 

Any information requested as part of an insurance application may also be subject to the privacy practices of the applicable insurance carrier or service provider.


 

Cookies and Analytics
 

Our website may use cookies and similar technologies to improve functionality, understand website usage, and measure marketing or advertising performance.
 

These technologies may collect information about how visitors interact with our website.
 

You may be able to control or disable certain cookies through your browser settings. Disabling cookies may affect the functionality of some website features.


 

Advertising and Marketing
 

We may use advertising and analytics services to understand how visitors find and interact with our website and to measure the effectiveness of our advertising.

These services may use cookies, device identifiers, or similar technologies.
 

We do not sell personal information obtained through our website in exchange for monetary payment.


 

Sharing of Information
 

We may share personal information when reasonably necessary with:
 

• Insurance carriers

• Underwriting organizations

• Technology and website service providers

• Email, communications, and customer relationship management providers

• Professional advisers

• Regulatory or governmental authorities when required

• Other service providers assisting us in operating our business
   

We do not disclose personal information to unrelated third parties for their independent marketing purposes without appropriate authorization.


 

Data Security
 

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information.
 

However, no website, electronic transmission, or information-storage system can be guaranteed to be completely secure.


 

Data Retention
 

We may retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, maintain business and insurance records, comply with legal or regulatory requirements, resolve disputes, and enforce agreements.

 

Your Choices
 

You may contact us to:
 

• Request access to certain personal information we maintain about you

• Request correction of inaccurate information

• Request deletion of information where legally permitted

• Ask questions about how your information is used

• Request that we stop certain marketing communications

Certain information may need to be retained for legal, regulatory, licensing, compliance, insurance, or recordkeeping purposes.

 

Third-Party Websites
 

Our website may contain links to third-party websites or services.

Spruce Private Risk is not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.


 

Children's Privacy
 

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through this website.


 

Changes to This Privacy Policy
 

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or services.
 

The updated version will be posted on this page with a revised effective date.

 

Contact Us
 

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Spruce Private Risk
2001 Market Street, Suite 2500
Philadelphia, PA 19103
(856) 530-0309
anthony@spruceprivaterisk.com
 

Spruce Private Risk is a Briddell Capital company.