Privacy Policy | Nelson & Associates, Inc.

1. About This Policy

Nelson & Associates, Inc. (“we,” “us,” or “our”), located at 941 Hillwind Rd NE Ste 206, Fridley, MN 55432, operates nelsonandassociatesinc.com and related digital services. This Privacy Policy explains how we collect, use, share, and protect your personal information when you interact with us online, by phone, or in person.

We are an authorized independent agency of American Family Insurance. Some of your data may also be subject to American Family’s privacy practices.

2. Information We Collect

Information You Provide

Name, address, phone number, email address
Date of birth, Social Security Number (for insurance applications only)
Vehicle information (make, model, VIN, driver history)
Property information (address, construction type, ownership status)
Health information (for life insurance applications)
Payment information (processed through secure third-party processors)
Communications you send us (emails, chat messages, voicemails)

Information Collected Automatically

IP address, browser type, device identifiers
Pages visited, time spent, referral URLs
Google Click ID (GCLID) and UTM parameters if you arrived via paid advertising
Call recordings (disclosed at the start of each call)

3. How We Use Your Information

To prepare and deliver insurance quotes
To process insurance applications and service existing policies
To contact you about your quote request or policy
To send appointment reminders and renewal notices
To comply with legal and regulatory obligations
To improve our services and marketing effectiveness
To prevent fraud and verify identity

We do not sell your personal information to third parties for their own marketing purposes.

4. Text Message Communications (A2P 10DLC)

If you provide your mobile phone number and consent to receive text messages, we may send you SMS messages related to your insurance quote, policy status, or appointment reminders. Message frequency varies. Message and data rates may apply.

To opt out at any time, reply STOP to any message. To get help, reply HELP. You can also contact us at (763) 250-5528 or team@nelsonandassociatesinc.com.

We use a registered 10-digit long code (10DLC) messaging campaign with The Campaign Registry (TCR). Our messaging is for insurance-related communications only.

5. Sharing of Information

We may share your information with:

American Family Insurance — to process applications and service policies
Service providers — including CRM platforms, telephony providers, and analytics services that support our operations under data processing agreements
Legal authorities — when required by law, court order, or to protect our rights
Business successors — in the event of a merger, acquisition, or sale of agency assets

Before sharing data with any external service, we hash personally identifiable information (phone numbers, email addresses) using SHA-256 cryptographic hashing where technically feasible.

6. Minnesota Consumer Data Privacy Act (MCDPA)

If you are a Minnesota resident, you have the following rights under the Minnesota Consumer Data Privacy Act:

Right to know what personal data we collect and how it is used
Right to access a copy of your personal data
Right to correct inaccurate personal data
Right to delete personal data we hold about you
Right to opt out of targeted advertising
Right to non-discrimination for exercising your privacy rights

To exercise any of these rights, contact us at team@nelsonandassociatesinc.com or (763) 250-5528. We will respond within 45 days.

7. Data Retention

We retain personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Insurance records are typically retained for a minimum of 7 years in accordance with Minnesota insurance regulations.

8. Security

We implement industry-standard security measures including encryption in transit (TLS), access controls, and regular security reviews. No method of transmission over the internet is 100% secure; we cannot guarantee absolute security.

9. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will post the updated policy on this page with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.

11. Contact Us

Nelson & Associates, Inc.
941 Hillwind Rd NE Ste 206, Fridley, MN 55432
Phone: (763) 250-5528
Email: team@nelsonandassociatesinc.com
Website: https://nelsonandassociatesinc.com