PRIVACY POLICY

Voyager Global Marine Insurance
Effective Date: June 1, 2025 | Last Updated: June 14, 2026

Voyager Global Marine Insurance (“Voyager,” “we,” “us,” or “our”), located at 2736 Shelter Island Dr., San Diego, CA 92106, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit 4voyager.com, call or text us, or engage with us for insurance services.

By using our website or contacting us, you agree to the practices described in this policy. If you do not agree, please discontinue use of our services.

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1. INFORMATION WE COLLECT

Information you provide directly:

• Name, email address, mailing address, and phone number
• Insurance application details (vessel information, coverage needs, loss history)
• Payment and billing information
• Communications you send us via phone, email, contact forms, or text message
• Your mobile phone number when you opt in to SMS communications

Information collected automatically:

• IP address, browser type, and device identifiers
• Pages visited, time on site, and referring URLs
• Cookies and similar tracking technologies

Information from third parties:

• Insurance underwriters and carriers with whom we place your coverage
• Credit reporting agencies, as permitted by applicable law
• Publicly available records and government databases

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2. HOW WE USE YOUR INFORMATION

We use the information we collect to:

• Provide, quote, bind, and service insurance policies on your behalf
• Communicate with you about your policy, renewals, and claims
• Send appointment reminders, policy documents, and service updates
• Send marketing and promotional materials (where you have consented)
• Respond to your inquiries and customer service requests
• Comply with legal obligations, including state insurance regulations
• Detect and prevent fraud or unauthorized activity
• Improve our website, products, and services
• Send SMS/text messages as described in Section 3 below

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3. SMS & TEXT MESSAGING

Voyager Global Marine Insurance uses SMS/text messaging powered by RingCentral to communicate with clients and prospects.

Opt-In & Consent

By providing your mobile phone number and checking the consent box on our contact form, quote request form, or application — or by texting a keyword to our business number — you expressly consent to receive text messages from Voyager Global Marine Insurance at the mobile number provided. Message types may include:

• Insurance quotes and coverage confirmations
• Policy renewal reminders and expiration notices
• Appointment confirmations and follow-up messages
• Customer service responses to your inquiries
• Promotional offers and company updates (where separately consented)

Consent is not a condition of purchase. You are not required to consent to receive text messages in order to obtain insurance coverage or services from us.

Message Frequency

Message frequency varies based on your account activity and the nature of your insurance policy. You may receive recurring messages related to your policy lifecycle.

Message & Data Rates

Standard message and data rates may apply depending on your carrier and mobile plan. Voyager Global Marine Insurance is not responsible for charges imposed by your mobile carrier.

How to Opt Out

You may opt out of SMS communications at any time by:

• Replying STOP to any text message you receive from us
• Calling us at (619) 923-4322 during business hours
• Emailing staff@4voyager.com with the subject line “SMS Opt-Out”

After you reply STOP, you will receive one final confirmation message and no further messages unless you re-enroll. Opting out of SMS does not affect your insurance policy or our ability to contact you by other means.

How to Get Help

Reply HELP to any text message to receive assistance, or contact us directly:

• Phone: (619) 923-4322
• Email: staff@4voyager.com

No Sharing for Third-Party Marketing

We do not sell, rent, or share your mobile phone number with third parties for their own marketing purposes. Your phone number and SMS opt-in consent will not be shared with any third party, affiliate, or partner for marketing purposes without your explicit, separate consent.

Supported Carriers

Our SMS program is supported by most major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, and others. Carrier support may vary. We are not liable for delays or failures in SMS delivery caused by your carrier.

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4. SHARING YOUR INFORMATION

We do not sell your personal information. We may share your information with:

• Insurance carriers and underwriters to obtain quotes, bind coverage, and manage your policy
• Service providers (including RingCentral for communications and other technology vendors) who assist us in operating our business under confidentiality obligations
• Claims administrators when processing insurance claims
• Regulators and law enforcement when required by applicable law, regulation, or court order
• Professional advisors such as attorneys or auditors, under confidentiality agreements
• Business successors in the event of a merger, acquisition, or sale of assets

Any third party receiving your information is required to protect it consistent with this policy and applicable law.

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5. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including to maintain your insurance records as required by California and federal insurance regulations. When information is no longer needed, we securely delete or anonymize it.

SMS opt-out records are retained to honor your preferences and to comply with applicable telecommunications and marketing laws.

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6. YOUR RIGHTS & CHOICES

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Delete your personal information, subject to legal retention requirements
• Opt out of SMS communications at any time (see Section 3)
• Opt out of marketing emails by clicking “Unsubscribe” in any marketing email
• Request a copy of your personal data in a portable format

California Residents: Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), you have the rights listed above as well as the right to know whether we sell or share your personal information (we do not sell it). To exercise your rights, contact us using the information in Section 11.

We will respond to verifiable consumer requests within 45 days as required by law.

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7. SECURITY

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. We encourage you to protect your account credentials and notify us immediately of any suspected unauthorized access.

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8. THIRD-PARTY LINKS

Our website contains links to third-party websites, including sailing rally and cruising organization partners. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

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9. CHILDREN’S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us personal information, please contact us and we will promptly delete it.

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10. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, notify you by email or SMS. Your continued use of our services after the effective date of any update constitutes your acceptance of the revised policy.

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11. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Voyager Global Marine Insurance
2736 Shelter Island Dr.
San Diego, CA 92106

Phone: (619) 923-4322
Email: staff@4voyager.com
Business Hours: Monday–Friday, 9 am–5 pm PT