Privacy Policy & Terms

1.1 Commitment to Confidentiality

SAMKARA BROKERAGE INC ("Company," "we," "our," or "us") is committed to protecting the privacy, confidentiality, and security of client information in compliance with applicable federal and New York State laws, including the Gramm-Leach-Bliley Act (GLBA).

1.2 Information We Collect

We may collect:

1.3 Use of Information

We use collected information strictly for:

• Obtaining insurance quotes
• Issuing and servicing policies
• Submitting endorsements and renewals
• Processing payments
• Assisting with TLC/DMV compliance
• Legal and regulatory compliance

We do not sell personal information.

1.4 Information Sharing

Information may be shared only with:

• Insurance carriers
• MGAs
• Premium finance companies
• Payment processors
• TLC / DMV agencies
• Regulatory authorities

Only information necessary to complete requested services will be disclosed.

1.5 Data Security

We implement reasonable administrative, technical, and physical safeguards. However, no electronic system is completely secure. By using our website, you acknowledge this inherent risk.

1.6 Record Retention

We retain records in accordance with:

• New York Insurance Law
• TLC Regulations
• DMV Regulations
• Federal compliance standards

2.1 No Guarantee of Coverage

Submitting information through our website does not guarantee:

• Insurance approval
• Policy issuance
• Renewal
• Rate lock

All coverage is subject to underwriting approval by the carrier.

2.2 Not Legal or Financial Advice

Information on this website is for informational purposes only and does not constitute legal, financial, or tax advice.

2.3 Limitation of Liability

SAMKARA BROKERAGE INC shall not be liable for:

• Carrier underwriting decisions
• Coverage denials
• Policy cancellations
• Regulatory actions
• TLC or DMV determinations

We act solely as an insurance broker.

2.4 Accuracy of Information

Clients are responsible for ensuring all submitted information is accurate and truthful. Misrepresentation may result in denial of coverage or cancellation.

3.1 Consent to Electronic Communications

By using our website, submitting forms, or providing an email address, you consent to receive:

• Policy documents
• Notices
• Renewals
• Payment confirmations
• Regulatory communications

electronically.

3.2 Electronic Signatures

By electronically signing any document through our website or third-party platforms (including DocuSign or similar), you agree that:

• Your electronic signature is legally binding
• It has the same legal effect as a handwritten signature
• You consent to transact business electronically

3.3 Text Message (SMS) Consent

By providing your phone number, you consent to receive:

• Renewal reminders
• Payment notifications
• Policy updates

Standard message and data rates may apply.

You may opt out by notifying us in writing.

4.1 Online Payments

Online payments are processed through third-party payment providers.

We are not responsible for:

• Banking delays
• ACH processing time
• Card declines
• Payment processor outages

4.2 Returned Payments

Returned ACH or declined payments may result in:

• Additional fees
• Policy cancellation
• Regulatory suspension