Privacy Policy

Nelson & Associates Inc, 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.

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

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)

• 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.

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

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

To opt out at any time, reply STOP to any message. To get help, reply HELP. You can also contact us at 763-733-7475 or teamnelson@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.

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.

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

• 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 teamnelson@nelsonandassociatesinc.com or 763-733-7475. We will respond within 45 days.

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.

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

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.