Terms & Conditions and Privacy Policy

Last Updated: August 26, 2026

This Terms & Conditions and Privacy Policy describes the terms governing your use of this website and how The Mill Creek Agency ("we," "us," or "our") collects, uses, and protects information.

By using this website, you agree to the terms described below.

Terms & Conditions

Website Use

This website is provided for general informational purposes and to help users learn about insurance products and services, contact our agency, request information, or request an insurance quote.

You agree to use this website only for lawful purposes and not to interfere with its operation, security, or availability.

No Insurance Coverage Is Bound Through This Website

Information submitted through this website, including quote requests, contact forms, emails, or other communications, does not create, modify, renew, or bind insurance coverage.

Insurance coverage is not effective unless and until it has been confirmed by a licensed insurance representative and, when applicable, the appropriate insurance carrier.

Do not use this website or email to request an immediate change to existing insurance coverage. Contact our agency directly at (631) 751-4653 to confirm any policy changes or coverage requests.

Insurance Information

Information presented on this website is intended to provide general information about insurance products and services and should not be considered a complete description of any insurance policy or coverage.

Coverage, eligibility, limits, exclusions, pricing, and availability may vary by insurance carrier, policy, location, and individual circumstances. The terms and conditions of an issued insurance policy control in the event of any difference between information presented on this website and the policy itself.

Quotes and Applications

Any insurance quote provided through or as a result of this website is an estimate and is subject to underwriting, verification of information, eligibility requirements, carrier approval, and other applicable terms and conditions.

Submitting a quote request or application does not guarantee that coverage will be offered or issued.

Third-Party Websites

This website may contain links to insurance carriers, payment processors, social media platforms, or other third-party websites and services.

We are not responsible for the content, security, availability, or privacy practices of third-party websites. Your use of those services is subject to their own terms and privacy policies.

Intellectual Property

Unless otherwise stated, the text, graphics, logos, images, design, and other content on this website are owned by or licensed to The Mill Creek Agency and may not be reproduced, distributed, or used without permission except as permitted by law.

Disclaimer of Warranties

We make reasonable efforts to keep the information on this website accurate and current, but we do not guarantee that all information will always be complete, accurate, or up to date.

This website and its content are provided on an "as is" and "as available" basis to the extent permitted by law.

Limitation of Liability

To the fullest extent permitted by applicable law, The Mill Creek Agency will not be liable for damages arising from your use of, or inability to use, this website or your reliance on information provided through it.

Nothing in these Terms & Conditions limits liability that cannot legally be limited or excluded.

Privacy Policy

At The Mill Creek Agency, we respect your privacy and are committed to appropriately protecting the personal information entrusted to us.

This Privacy Policy explains the types of information we may collect through our website and related communications, how we may use that information, and the choices available to you.

Information We May Collect

Depending on how you interact with us, we may collect information such as:

  • Name
  • Mailing address
  • Email address
  • Telephone number
  • Date of birth
  • Information about household members
  • Vehicle, property, or business information
  • Insurance coverage and policy information
  • Quote request information
  • Claims-related information
  • Information you voluntarily provide through forms, email, telephone, or other communications
  • Website usage information, including IP address, browser type, device information, referring pages, and pages visited

When necessary to provide insurance services, we may also receive additional information from insurance carriers, consumer reporting agencies, government sources, service providers, or other third parties as permitted by law.

We may collect financial, health, or other sensitive personal information when necessary in connection with an insurance application, policy, claim, or other insurance-related service.

How We Use Information

We may use personal information to:

  • Respond to questions and requests
  • Provide insurance quotes
  • Process insurance applications
  • Service existing insurance policies
  • Communicate about coverage, renewals, claims, or service requests
  • Recommend insurance products or coverage options
  • Maintain customer records
  • Improve our website and services
  • Detect or prevent fraud or unauthorized activity
  • Comply with insurance, privacy, legal, and regulatory requirements
  • Send marketing or informational communications where permitted by law

How We May Share Information

We do not sell personal information in the ordinary meaning of selling information in exchange for money.

We may disclose information when reasonably necessary to provide insurance products and services or operate our business, including to:

  • Insurance carriers
  • Insurance wholesalers, brokers, or managing general agencies
  • Claims administrators
  • Insurance-related service providers
  • Technology, hosting, communications, and data service providers
  • Consumer reporting or verification services
  • Professional advisers
  • Government agencies or regulators
  • Other parties when required or permitted by law

Information may also be disclosed when you authorize or request us to do so.

Our handling of nonpublic personal information is also subject to applicable federal and state insurance privacy laws.

Cookies and Website Technologies

Our website may use cookies and similar technologies to operate the website, remember preferences, measure website traffic, understand how visitors use the site, and support advertising or marketing activities.

Certain third-party services used on our website may also use cookies or similar technologies according to their own privacy policies.

You may be able to disable or restrict cookies through your browser settings. Doing so may affect certain website features.

Analytics and Advertising

We may use third-party analytics, advertising, or marketing services to better understand website activity and measure the effectiveness of our marketing.

These providers may collect information about your device and interactions with our website through cookies, pixels, or similar technologies.

Email Communications

If you provide your email address, we may use it to respond to your request, communicate about insurance products or services, provide customer service, or send marketing communications where permitted by law.

You may opt out of marketing emails by using the unsubscribe instructions included in those communications. Opting out of marketing emails will not prevent us from sending necessary service-related or transactional communications.

Text Messages

If you provide your mobile telephone number and consent to receive text messages, we may send messages related to your requests, insurance services, appointments, account activity, or other communications described when you provide consent.

Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

Message and data rates may apply. Message frequency may vary. You may opt out of text messages by replying STOP. For assistance, reply HELP or contact The Mill Creek Agency at (631) 751-4653 or info@millcreekagency.com.

Carriers are not liable for delayed or undelivered messages.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain business and insurance records, satisfy contractual obligations, resolve disputes, and comply with applicable legal and regulatory requirements.

Children's Privacy

Our website and insurance services are not directed toward children under 13, and we do not knowingly collect personal information directly from children under 13 through this website without appropriate authorization.

Information about minors may, however, be provided by parents, guardians, or policyholders when necessary for legitimate insurance purposes.

Your Privacy Rights

Depending on where you live and the laws that apply to our agency, you may have certain rights regarding your personal information.

These rights may include the ability to request access to, correction of, or deletion of certain personal information or to request information about how personal information is collected or disclosed.

Certain information maintained in connection with insurance transactions may be governed by insurance-specific privacy laws and may be exempt from some general state privacy laws.

To submit a privacy request, contact The Mill Creek Agency at info@millcreekagency.com, (631) 751-4653, or at the mailing address provided below.

We may need to verify your identity before processing a request.

Changes to This Policy

We may update these Terms & Conditions or Privacy Policy periodically to reflect changes to our practices, services, technology, or legal requirements.

When changes are made, we will update the "Last Updated" date at the top of this page.

Contact Us

If you have questions about these Terms & Conditions, our privacy practices, or your personal information, please contact:

The Mill Creek Agency
129a Main St
Stony Brook, NY 11790
Phone: (631) 751-4653
Email: info@millcreekagency.com

Insurance Licensing

The Mill Creek Agency is a licensed insurance agency. Insurance products and services are available only in jurisdictions where the agency and, where applicable, its insurance professionals are properly licensed.

Insurance availability, products, and coverage may vary by state and insurance carrier.