Effective Date: March 30, 2025

This website is operated by STI Surf Travel Insurance LLC and STI Surf Travel Insurance Agency LLC (collectively referred to as “STI,” “we,” “our,” or “us”) under various domain names, including www.insure2travel.com, www.surftravelinsurance.com, www.surftravelinsurance.com.au, www.tripinsurancehub.com, and other affiliated marketing or comparison platforms (collectively, the “Site”).

All websites listed above operate under the insurance licenses of STI Surf Travel Insurance LLC (licensed in Florida [G160393] and Hawaii [3003289315]) and STI Surf Travel Insurance Agency LLC (licensed in New York [REN-PC-1899939 / REN-LA-1899939]). These licenses authorize us to distribute and market travel-insurance products through our trusted insurer partners across the United States and internationally.

Access to and use of the Site are conditional upon your acceptance and continued compliance with these Terms and Conditions and our Privacy Policy, which together form a binding agreement between you and STI. By accessing or using any part of the Site, you acknowledge that you have read, understood, and agree to be bound by these terms.

1. Scope of This Policy

• Users of our websites, quote tools, and widgets;
• Customers located in or residents of the United States;
• International users (including EU/UK and Australia) accessing our sites and tools; and
• Operations conducted by our LLCs in Florida, New York, and Hawaii.

1A. Licensing and Regulatory Disclosure

STI Surf Travel Insurance LLC – Florida Entity Number L22000502294; Licensed in Florida (G160393) and Hawaii (3003289315).
STI Surf Travel Insurance Agency LLC – New York DOS ID 7473181; Licensed in New York (REN-PC-1899939 / REN-LA-1899939).

Travel insurance products are underwritten by licensed insurer partners and are subject to each insurer’s own terms, conditions, and exclusions. Review your policy documents carefully.

2. Information We Collect

• First and last name;
• Contact details (email, phone number, ZIP/postcode);
• Travel information (destination, travel dates, age);
• Insurance preferences or plan type; and
• Medical or other sensitive information if needed to determine eligibility.

We collect data when you use our sites, request a quote, contact us by phone or email, or complete a purchase via our affiliated insurer portals.

3. How We Use Your Information

• Provide travel insurance quotes and related services;
• Determine eligibility and suitability of products;
• Route you to the correct insurer or underwriter;
• Assist with policy questions, renewals, or claims;
• Comply with legal and regulatory obligations; and
• Track affiliate or sub-agent referrals (via first-party cookies or URL parameters).

4. Legal Basis and Privacy Rights by Region

California (CCPA/CPRA): Rights to know, delete, correct, and opt out of sale/sharing (we do not sell data). Contact: [email protected].

New York (NY SHIELD Act): We maintain reasonable safeguards including encrypted transfers, access controls, and security monitoring.

Florida Residents: We apply uniform protections to all U.S. residents.

EU/UK (GDPR): Rights to access, correct, delete, restrict or object to processing, withdraw consent, and complain to a supervisory authority.

Australia (APPs): Access, update, or request deletion of information in line with the Privacy Act 1988 (Cth).

5. Cookies and Tracking

• We use first-party cookies to track affiliate partners and quote origin, improve performance, remember preferences during a session, and support analytics.
• We do not use third-party cookies for behavioral advertising.
• You can manage cookies through your browser settings.

6. Who We Share Information With

• Travel insurance providers (e.g., Generali, IMG, Auras, Cover-More, nib) to obtain quotes or complete purchases;
• Sub-agents or affiliates for referral attribution (if applicable); and
• Regulatory or legal authorities when required by law.

We do not underwrite or sell policies directly and we do not sell or rent personal information.

7. Data Retention and Storage

Quote and tracking data are retained for up to 90 days unless needed for compliance, customer service, or legal obligations. Payment and policy data are handled directly by insurers on their secure platforms.

8. Your Rights and Requests

• Request access to your personal information;
• Request correction or deletion;
• Withdraw consent to marketing; and
• Lodge a complaint about our handling of data.

Submit requests via [email protected]. We may verify your identity consistent with applicable law.

9. Data Security

• SSL/HTTPS encryption on forms and tools;
• Restricted, role-based access to customer data;
• Secure email and file storage protocols; and
• Regular system monitoring.

10. Updates to This Policy

We may revise this Privacy Policy from time to time. Updates will be posted on our websites with the new effective date.

11. Contact Information

STI Surf Travel Insurance LLC – Licensed in Florida (G160393) and Hawaii (3003289315)

STI Surf Travel Insurance Agency LLC – Licensed in New York (REN-PC-1899939 / REN-LA-1899939)

Email: [email protected]
Phone: +1 727 214 5977
Address: 7901 4th St. N STE 11853, St. Petersburg, FL 33702, USA

12. Privacy Policy for Travel Insurance Quote Widget

This section explains how information submitted through our travel insurance quote widget is collected and protected across our platforms and partner pages (including Insure2Travel.com, SurfTravelInsurance.com, SurfTravelInsurance.com.au, TripInsuranceHub.com, and affiliated subdomains).

12.1 Information We Collect via the Widget

• First and last name;
• Country of residence;
• Destination country;
• Selected travel plan type (e.g., Single Trip, Annual Multi-Trip); and
• Affiliate tracking information (if applicable).

We do not collect email, phone, payment details, or other PII via the widget unless you explicitly provide it.

12.2 Purpose of Collection

• Generate quotes and match you to suitable insurer options;
• Attribute quotes and sales to partner affiliates (if applicable); and
• Improve performance and accuracy of the quote system.

We never sell, rent, or share your data for advertising purposes.

12.3 Licensing and Regulatory Disclosure

The widget displays products offered through our licensed U.S. entities listed above. All products are subject to the underwriting insurer’s terms, conditions, and exclusions.

12.4 Legal Basis by Region

• GDPR (EU/UK): Consent and legitimate interests (tool functionality and affiliate attribution).
• CCPA (California): Rights to know, delete, and opt out of sale/sharing (we do not sell data).
• NY SHIELD Act (New York): Secure transmission, role-based access, and minimal data handled.
• APPs (Australia): Access, correction, and deletion on request.

12.5 Cookies and Tracking (Widget)

• First-party cookies remember affiliate referrers and retain selections during a session.
• No third-party ad-tracking cookies are used.
• You can manage or delete cookies through your browser settings.

12.6 Data Sharing (Widget)

• Forward limited data to selected insurers to generate quotes;
• Attribute affiliate or sub-agent referrals; and
• Comply with regulatory or legal obligations.

12.7 Data Retention (Widget)

Anonymous session and tracking data are retained for up to 90 days, then anonymized or securely deleted.

12.8 Security (Widget)

• SSL/HTTPS encryption and secure cookie handling;
• Restricted internal access; and
• Regular system monitoring.

12.9 Your Rights (Widget)

You may access, correct, delete, or restrict processing of your information in accordance with your region’s privacy laws by contacting [email protected].

12.10 Contact

For widget-specific privacy questions, contact us using the details in Section 11.