1. Authorization of Use

NorthGroup Insurance (“we,” “us,” or “our”) authorizes you to access and use this website for informational purposes related to evaluating and purchasing insurance products and services. We reserve the right to suspend or terminate your access to this website at any time, with or without notice, for any reason, including suspected misuse.

All content on this website, including text, graphics, logos, and design, is owned by NorthGroup Insurance or its licensors and is protected under United States copyright law. No portion of this website may be reproduced, redistributed, or republished without our prior written consent, except as permitted under “Copyright and Limited License to Use” below.

2. No Warranties

This website and its content are provided “as is” and “as available.” Use of this website and the internet generally is at your own risk. To the fullest extent permitted by law, NorthGroup Insurance and its affiliates disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement, regarding the information, materials, and services on this site.

We may change, update, or discontinue any content on this website at any time without notice and do not guarantee the accuracy, completeness, or timeliness of any information provided. Nothing on this website constitutes insurance, legal, financial, or tax advice, and no statement on this website creates a warranty or modifies the terms of any actual insurance policy.

Insurance product descriptions on this website are general summaries only. Product availability varies by state and by carrier, and all coverage is governed exclusively by the terms, conditions, exclusions, and limitations of the actual policy issued. Please contact us directly for current product availability and policy-specific terms.

We do not warrant that this website, or any software, content, or materials available through it, will be uninterrupted, error-free, or free of viruses or other harmful components.

3. Disclaimer of Liability

To the fullest extent permitted by law, NorthGroup Insurance and its affiliates will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including loss of data, use, or profits, arising from your use of, or inability to use, this website, regardless of the legal theory asserted, even if we have been advised of the possibility of such damages.

4. Third-Party Links and Content

This website may contain links to third-party websites that we do not own, operate, or control. These links are provided for your convenience only. We do not review, endorse, or take responsibility for the content, products, services, or privacy practices of any linked third-party site. Accessing a linked site is at your own risk, and we encourage you to review that site’s own privacy policy and terms, as they will govern your interaction with it rather than this Privacy Statement.

5. Electronic Communications

We will not be deemed to have received or accepted any electronic communication from you until we send you an acknowledgment confirming receipt. If we send you an electronic communication, we will assume it was received as sent; if you do not receive a communication you expect from us, or receive it in an unreadable format, please contact us promptly using the information in Section 14 below.

Email and online web forms are not a secure or guaranteed method of transmitting sensitive personal, financial, or health information. Please see Section 6 (Security) for alternative options if you have concerns about transmitting sensitive information electronically.

6. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information we collect, consistent with applicable law, including state insurance data security requirements and, where applicable, the FTC Safeguards Rule under the Gramm-Leach-Bliley Act (GLBA). This website uses TLS/SSL encryption to protect data in transit.

No method of transmission over the internet, and no method of electronic storage, is completely secure. While we work to protect your information, we cannot guarantee its absolute security, and you transmit information to us over the internet at your own risk.

If you would prefer not to submit sensitive personal information online, you may contact us at (704) 817-7574 to provide that information by another method.

7. Privacy Statement

This Privacy Statement explains how NorthGroup Insurance collects, uses, discloses, and protects personal information obtained through this website and in connection with providing insurance products and services to you. By using this website, you acknowledge the practices described here. This Privacy Statement does not apply to information collected offline or through other channels except as noted.

7.1 Information We Collect

We may collect the following categories of information:

Identifiers, such as your name, mailing address, email address, phone number, date of birth, and other identifiers.
Insurance application and underwriting information, such as information about your property, vehicle, health, occupation, or other information relevant to obtaining a quote or policy.
Financial information, such as payment method details used to pay premiums (see Section 7.3).
Commercial information, such as your policy history and transactions with us.
Internet or network activity, such as pages viewed, links clicked, and device/browser information, collected via cookies and similar technologies (see Section 8).
Personal information, where applicable, such as health information collected in connection with life, health, or disability insurance underwriting and quoting. We collect this category only where necessary to provide the product you request.
Marketing and communications information, such as your preferences in how you receive marketing from us and your communication preferences.

We collect this information when you request a quote, apply for or purchase a policy, submit a web form, email us, or otherwise communicate with us through this website.

7.2 How We Use Information

We may use personal information to provide insurance quotes and policy servicing, communicate with you, process payments, comply with legal and regulatory obligations (including those imposed by insurance carriers and state insurance departments), maintain policyholder records, detect and prevent fraud, and improve this website.

If you opt in to consent to receive SMS messages from us, we may send you messages pertaining to our services, your policies, your accounts, and general updates. To opt in to our messaging service, you must provide explicit consent. Where we offer SMS opt-in on a web form, the opt-in checkbox is unchecked by default. By checking the box and submitting the form, you expressly consent to receive text messages from us at the phone number you provide. Standard message and data rates may apply to SMS messages we send or that you send to us. These charges are determined by your mobile carrier and are your responsibility. We are not responsible for any charges your carrier applies to text messages. Message frequency varies. You can opt out to withdraw your consent to receive SMS messages from us at any time. Reply STOP to opt out. Reply HELP for support.

7.3 Payment Information

If you pay a premium by credit or debit card, that payment is processed through a third-party payment processor. We do not collect or store payment information directly on this website. Third-party service providers may be embedded or used for processing payments, but do not fall under these terms.

7.4 Disclosure of Information to Third Parties

We do not sell or trade your personal information to third parties for monetary consideration or for their own marketing purposes. We may share your personal information with the following categories of third parties, as necessary to provide our services.

Insurance carriers and their affiliates, to obtain quotes, bind coverage, or service your policy.
Service providers who perform functions on our behalf, such as IT hosting, payment processing, SMS (text messaging), and marketing analytics, under contractual confidentiality obligations.
All the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.
Regulators, law enforcement, or other parties, where required by law, subpoena, or legal process.
A successor entity in connection with a merger, acquisition, or sale of business assets.

We do not sell or share personal information for cross-context behavioral advertising purposes except as disclosed in Section 8 (Cookies and Tracking Technologies) below.

Employees of NorthGroup Insurance are required to acknowledge a confidentiality and data protection policy and receive training on safeguarding customer information.

7.5 Google reCAPTCHA

This website may use Google reCAPTCHA v3 to prevent spam and abuse. This service is operated by Google LLC. It helps differentiate between human users and automated software bots.

What Data is Collected

IP address of your device
Hardware and software information (such as browser type and operating system)
Mouse movements and typing cadences
Cookies set by Google over the last 6 months

Google uses this data to protect our forms and services from automated attacks. This processing is based on our legitimate interest in securing our website. These security and anti-fraud tools run automatically to protect the site’s infrastructure.

By using our site, you acknowledge that this data is transmitted directly to Google. Google analyzes this data to calculate a risk score. This data is subject to Google’s own privacy rules. For more details, please review the Google Privacy Policy and Google Terms of Service.

7.6 Automattic Akismet

This site may use the Akismet anti-spam service to protect forms from automated spam and abuse. This service is operated by Automattic Inc. It helps distinguish legitimate form submissions from spam.

When visitors submit forms on this site, Akismet may collect the information typed into those fields and technical data. This typically includes the visitor’s IP address, browser user agent, referrer URL, and website URL (along with other information directly provided by the user, such as their name and email address). These security and anti-fraud tools run automatically to protect the site’s infrastructure.

The data collected is processed to determine whether the submission appears to be spam. For more detailed information on how your data is handled, please review the Automattic Privacy Notice.

8. Cookies and Tracking Technologies

We and our service providers use cookies, pixels, web beacons, and similar technologies (“tracking technologies”) on this website for purposes such as: keeping the site functioning properly, remembering your preferences, measuring site usage and performance, and — where applicable and disclosed below — delivering relevant advertising.

8.1 Categories of Tracking Technologies

Strictly necessary cookies, required for core site functionality, cannot be disabled without affecting website operation.
Analytics cookies, such as Google Analytics or similar used to understand how visitors use the website.
Advertising/targeting cookies, such as Google Ads and/or Meta Ads, to deliver ads based on your browsing activity across sites.
Chat, session-replay, or behavior-tracking tools, such as chat widget, session-replay, or heatmapping tool.

8.2 Your Cookie Choices

Most browsers allow you to block or delete cookies through their settings. If you block cookies, some parts of this website may not function properly. Where required by law, this site will display a cookie consent banner allowing you to accept or reject non-essential cookies before they are set. Your preference is stored for a period of 12 months.

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), gives you the following rights with respect to your personal information, subject to certain exceptions.

Right to know the categories and specific pieces of personal information we have collected about you, and the purposes for collection.
Right to delete personal information we have collected from you, subject to certain exceptions, such as information we must retain for insurance recordkeeping or legal compliance.
Right to correct inaccurate personal information.
Right to opt out of the sale or sharing of personal information, including for cross-context behavioral advertising.
Right to limit the use and disclosure of sensitive personal information to that reasonably necessary to provide requested services.
Right to non-discrimination for exercising any of these rights.

To exercise these rights, you may contact us at (704) 817-7574. We will verify your identity before processing your request as required by law. You may also designate an authorized agent to submit a request on your behalf.

10. Other State Privacy Rights

Residents of certain other states, including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Delaware, and others, may have similar rights to know, access, correct, delete, and opt out of certain processing of personal information under their respective state privacy laws. To exercise these rights, contact us using the information in Section 14.

11. Gramm-Leach-Bliley Act (GLBA) Notice

As an insurance agency, NorthGroup Insurance may be subject to the Gramm-Leach-Bliley Act and applicable state insurance privacy regulations governing nonpublic personal financial information (NPI). Where applicable:

We provide customers with an annual privacy notice describing the categories of NPI we collect and disclose, and the categories of third parties to whom we disclose it.
We do not disclose NPI to nonaffiliated third parties for their own marketing purposes except as permitted by law.
You may have the right to opt out of certain disclosures of NPI to nonaffiliated third parties; instructions for doing so, if applicable, are provided in our annual privacy notice.

12. Children’s Privacy

This website is not directed to individuals under the age of 18 (or under 13 for purposes of the Children’s Online Privacy Protection Act, COPPA), and we do not knowingly collect personal information from children. If we learn we have inadvertently collected personal information from a child, we will take steps to delete it. If you believe a child has provided us with personal information, please contact us using the information in Section 14.

13. Changes to This Privacy Statement

We may update this Privacy Statement from time to time to reflect changes in our practices or applicable law. We will post the revised statement on this website with an updated “Last Updated” date. Where required by law, we will provide additional notice of material changes. Your continued use of this website after a revised Privacy Statement is posted constitutes your acknowledgment of the changes.

14. Contact Us

If you have questions about this Privacy Statement, wish to exercise a privacy right described above, or have a concern about how your information has been handled, please contact us at:

NorthGroup Insurance (704) 817-7574

15. Copyright and Limited License to Use

The NorthGroup Insurance name and logo, and the names of products and services offered by carriers represented by NorthGroup Insurance, are trademarks or service marks of their respective owners. All website content is protected by U.S. copyright law.

You may view, download, and print content from this website for your own personal, non-commercial use, provided you do not modify the content and you retain all copyright and other proprietary notices. No other use is permitted without our prior written consent.

16. Governing Law and Severability

This Privacy Statement and your use of this website are governed by the laws of the State of North Carolina, without regard to conflict-of-laws principles, except to the extent a different state’s consumer protection or privacy law applies mandatorily to residents of that state as described above. Any dispute relating to this website shall be subject to the exclusive jurisdiction of the courts located in North Carolina.

If any provision of this Privacy Statement is held invalid or unenforceable, that provision shall be severed, and the remaining provisions shall remain in full force and effect.

These Website Terms, Copyrights, & Privacy Statement were last updated on July 16, 2026.

Copyrights and Privacy Statement