Privacy Policy

1. Information We Collect

Depending on how you interact with MDX, we may collect personal, business, and insurance-related information, including:

Information You Provide Directly

When you contact us, request an insurance quote, or submit an agency appointment request, we may collect:

• Full name
• Email address
• Telephone number
• Business name
• Line of business
• USDOT number
• MC number
• Insurance renewal date
• Fleet size
• Required insurance coverage
• Agency name
• Agency license number
• Year the agency was established
• State
• Information contained in messages or other communications you submit to us

We may also collect additional information that you voluntarily provide during the insurance quoting or application process.

Insurance and Business Information

When you request an insurance quote, we may collect information necessary to evaluate your insurance needs, determine eligibility, obtain quotations, and provide insurance services.

This information may include information about your business, vehicles, operations, drivers, coverage needs, existing insurance, and other information reasonably necessary to provide insurance services.

2. How We Collect Information

We may collect information:

• Directly from you when you complete a form on our website;
• When you contact us by telephone, email, or other communication methods;
• During the insurance quoting and application process;
• From information you provide to our representatives;
• From insurance carriers and other parties involved in providing insurance services; and
• Through technologies used to protect our website and forms from spam, abuse, and fraudulent activity.

Our website uses Google reCAPTCHA to help protect our forms from spam and automated or abusive activity. reCAPTCHA is provided by Google and may process information associated with your interaction with the service.

3. How We Use Personal Information

MDX may use the information we collect for the following purposes:

• To respond to inquiries and requests;
• To provide insurance quotes;
• To evaluate insurance needs and coverage requirements;
• To submit information to insurance carriers for the purpose of obtaining insurance quotations;
• To facilitate applications for insurance coverage;
• To communicate with customers, agencies, and prospective customers;
• To administer and service insurance policies;
• To maintain business and customer records;
• To process and respond to requests submitted through our website;
• To comply with applicable legal and regulatory requirements;
• To protect the security and integrity of our website and services;
• To detect, prevent, and address fraud, abuse, or unauthorized activity;
• To provide information about our services, newsletters, updates, and other business communications; and
• To otherwise provide and improve our insurance-related services.

4. Sharing of Personal Information

MDX may disclose personal information when reasonably necessary to provide our services or conduct our business.

Insurance Carriers

When you request an insurance quote, we may share relevant information with insurance carriers and other insurance-related parties as necessary to obtain quotations, evaluate coverage options, underwrite risks, process applications, or provide insurance services.

The information shared will depend on the nature of the insurance request and the information necessary for the applicable insurance process.

Service Providers

We may also share information with service providers that assist us with operating our business, website, communications, information technology, security, and other business functions.

These service providers are permitted to use information only as necessary to provide services to MDX or as otherwise permitted by applicable law.

Legal and Regulatory Requirements

We may disclose information when required or permitted by law, regulation, legal process, governmental authority, or when reasonably necessary to protect the rights, property, safety, or security of MDX, our customers, or others.

5. Information We Do Not Sell

MDX does not sell personal information to third parties for monetary or other valuable consideration.

MDX also does not share personal information with third parties for their own advertising or targeted marketing purposes.

Information may nevertheless be disclosed to insurance carriers, service providers, and other parties as necessary to provide insurance services or conduct legitimate business activities described in this Privacy Policy.

6. Marketing and Communications

MDX may use information collected from existing customers to communicate with them about our services and business activities.

These communications may include:

• Newsletters;
• Insurance-related information;
• Service updates;
• Information about changes or improvements to our services;
• Business announcements; and
• Other communications related to an existing customer relationship.

MDX does not use customer information to sell or provide third parties with advertising audiences.

7. Data Retention

MDX retains personal information for as long as reasonably necessary to:

• Provide and administer insurance services;
• Maintain business and customer records;
• Fulfill contractual and legal obligations;
• Comply with insurance, regulatory, accounting, and other applicable requirements;
• Resolve disputes; and
• Enforce our agreements and policies.

The specific retention period may vary depending on the nature of the information and the purpose for which it was collected.

8. Data Security

MDX takes reasonable measures designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

However, no method of transmitting information over the Internet or storing information electronically can be guaranteed to be completely secure. Therefore, while we take reasonable precautions to protect information, we cannot guarantee absolute security.

9. Your Privacy Rights

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information.

These rights may include, where applicable:

• The right to know what personal information we collect and how it is used;
• The right to request access to personal information;
• The right to request correction of inaccurate personal information;
• The right to request deletion of personal information, subject to applicable legal exceptions;
• The right to opt out of certain uses or disclosures of personal information where required by law;
• The right to receive information about the categories of personal information collected and disclosed; and
• The right not to receive discriminatory treatment for exercising applicable privacy rights.

Some privacy rights may be subject to exceptions under applicable federal or state law, particularly where information is necessary to provide insurance services, comply with legal obligations, prevent fraud, or fulfill other permitted purposes.

10. California Privacy Rights

Because MDX is located in California, California privacy laws may provide certain consumers with additional rights concerning their personal information.

Where applicable, California consumers may have rights to request access to, correction of, or deletion of certain personal information, as well as other rights provided by the California Consumer Privacy Act, as amended.

California's privacy requirements can vary depending on the type of business, information involved, and applicable statutory exemptions. MDX will process privacy requests in accordance with applicable law.

California privacy regulations require covered businesses to provide information about their data practices and instructions for exercising applicable rights.

To submit a privacy request, contact us using the information provided in the Contact Us section below.

11. Insurance Privacy

Because MDX provides insurance-related services, certain personal information may be subject to federal and state insurance privacy laws and regulations, including requirements governing nonpublic personal information.

Where applicable, MDX will handle such information in accordance with applicable insurance privacy requirements.

Federal privacy requirements under the Gramm-Leach-Bliley Act can require financial institutions that offer insurance products or services to provide privacy notices describing their information-sharing practices and safeguards.

Nothing in this Privacy Policy is intended to limit any privacy rights or protections provided by applicable insurance or financial privacy laws.

12. Third-Party Services

Our website currently uses Google reCAPTCHA to help prevent spam, abuse, and automated activity.

We do not currently use website analytics, advertising pixels, or similar third-party advertising tracking technologies on our website.

Google's own privacy practices are governed by Google's Privacy Policy.

13. Children's Privacy

Our services are intended for businesses and individuals seeking commercial insurance services and are not directed toward children.

MDX does not knowingly collect personal information from children under the age of 13 through its website.

If you believe that a child has provided personal information to MDX, please contact us so that we can take appropriate action.

14. Third-Party Websites

Our website may contain links or references to websites operated by third parties.

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

15. Changes to This Privacy Policy

MDX may update this Privacy Policy from time to time to reflect changes in our business practices, services, technology, or applicable laws and regulations.

When we make changes, we will update the Effective Date at the top of this Privacy Policy.

We encourage you to periodically review this Privacy Policy to remain informed about how we handle personal information.

16. Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact: