Last Updated: April 10, 2026

Opt-Out Preferences Policy

This Opt-Out Preferences Policy explains how you can limit the collection, use, and sharing of your personal information when interacting with Mufson Band Insurance Brokerage https://mufsonbandinsurance.com (“Mufson Band Insurance,” “we,” “us,” or “our”).

This Policy works in coordination with our:

  • Privacy Policy
  • Terms & Conditions
  • Disclaimer
  • Cookie Policy (TrustArc-managed)
  • Imprint

We are committed to providing clear, accessible choices consistent with GDPR, U.S. federal privacy rules, and New Jersey privacy protections.

1. Overview of Opt-Out Options

You may opt out of certain types of data processing and communications, including:

  • Marketing emails and newsletters
  • Non-essential cookies
  • Analytics tracking
  • Certain types of information sharing
  • Profiling (when applicable for EU/EEA/UK visitors)

You may also request:

  • Limitation of processing
  • Restriction of use
  • Deletion of certain types of data (where legally allowed)

Due to insurance regulations, some data cannot be deleted or restricted if required for:

  • Policy servicing
  • Legal compliance
  • Anti-fraud obligations
  • Recordkeeping
  • Claims assistance

These exceptions are detailed below.

2. Opt-Out of Marketing Communications

A. Email Marketing

You may opt out of receiving promotional emails, newsletters, or marketing messages at any time.

To opt out:

  • Click the “unsubscribe” link in any marketing email; or
  • Email info@mufsonbandinsurance.com with subject line: “Opt-Out of Marketing.”

Important Notes

Your opt-out will not affect:

  • Policy-related messages
  • Renewal notifications
  • Regulatory disclosures
  • Claims-related communications
  • Billing and payment notices

These are necessary for delivering insurance services.

3. Opt-Out of Cookies & Tracking Technologies

We use cookies to support website functionality, analytics, and user experience improvements.

A. TrustArc Cookie Management

Our website uses TrustArc to handle:

  • Cookie notice and consent banner
  • Preferences for cookie categories
  • GDPR opt-in for EU/EEA/UK users
  • Consent logging
  • Cookie rejections

You may change your cookie preferences at any time through the TrustArc settings panel.

B. Opt-Out Methods

You can:

  • Disable non-essential cookies via the TrustArc banner
  • Adjust browser privacy settings
  • Clear cookies from your device
  • Use tracking blockers or privacy tools

Disabling certain cookies may affect website functionality.

4. Opt-Out of Analytics Tracking

We may use analytics tools (e.g., Google Analytics) to assess website performance.

Ways to Opt Out:

  • Decline analytics cookies in TrustArc
  • Use private browser modes
  • Disable JavaScript (not recommended)
  • Use browser-based “Do Not Track” (DNT) settings
  • Use Global Privacy Control (GPC) signals, where supported

We honor GPC where required or applicable.

5. Opt-Out of Certain Information Sharing

We may share your information with:

  • Insurance carriers
  • Underwriters
  • Claims partners
  • Regulatory bodies

Can You Opt Out?

You cannot opt out of sharing necessary data with:

  • Insurance carriers (required for quotes and policies)
  • Regulators (required by law)
  • Anti-fraud services
  • Claims support entities

You CAN opt out of:

  • Certain third-party analytics tools
  • Certain third-party marketing tools
  • Voluntary or optional information sharing
  • Data used for non-essential profiling or analysis

To request restrictions, email:
info@mufsonbandinsurance.com

6. Opt-Out of Profiling and Automated Decision-Making (GDPR Users Only)

For EU/EEA/UK visitors:

We do not use automated decision-making to deny coverage or determine premiums. Only insurance carriers use underwriting systems.

You may request that we:

  • Refrain from profiling activities
  • Limit data used for risk assessments conducted by us
  • Stop using your data for interpretive analytics

Requests may be submitted via email:
info@mufsonbandinsurance.com

7. Opt-Out of Data Processing Based on Consent

You may withdraw your consent at any time when processing is based solely on consent, including:

  • Marketing subscriptions
  • Analytics tracking
  • Optional data fields
  • Cookie categories requiring opt-in

Withdrawal does not affect past lawful processing.

8. Opt-Out of Data Sale (“Do Not Sell My Personal Information”)

We do not sell personal information.

If the definition of “sale” changes under U.S. privacy laws, we will update this policy and provide a clear opt-out mechanism.

9. Request to Limit Use or Delete Certain Information

You may request:

  • Access to your data
  • Correction (data accuracy is important for insurance)
  • Deletion (when legally permitted)
  • Restriction or limitation of processing

However, due to insurance regulations, we may be required to retain data for:

  • Policy lifecycle
  • Claims support
  • Financial recordkeeping
  • Legal compliance
  • Contractual obligations

If a deletion or restriction request cannot be honored, we will explain the reason in writing.

10. Insurance Regulatory Limitations on Opt-Out

Insurance is a regulated industry.
 Opt-out rights may be limited where data is required to:

  • Provide an insurance quote
  • Bind or service a policy
  • Assist with underwriting
  • Prevent fraud
  • Validate identity
  • Comply with New Jersey Department of Banking & Insurance
  • Assist with claims
  • Maintain legally required records

GDPR requests are also subject to regulatory overrides when data is necessary for statutory compliance.

11. Response Time for Opt-Out Requests

We will respond within:

  • 30 days (GDPR)
  • 45 days (U.S./New Jersey standards)

Extensions may be granted for complex requests, and you will be notified.

We may require identity verification to protect customer information.

12. How to Submit an Opt-Out Request

Please contact us using the following information:

Email: info@mufsonbandinsurance.com
Phone: (201) 746-6076
Mufson Band Insurance Brokerage
49 Oak Street, Suite 2B
Norwood, NJ 07648

Please include:

  • Your full name
  • Your contact information
  • Your request (e.g., “Opt-out of marketing,” “Restrict processing,” etc.)

13. Changes to This Opt-Out Preferences Policy

We may update this Policy to reflect regulatory changes, industry practices, or operational adjustments.
 A new “Last Updated” date will accompany any revisions.

14. Questions?

If you need help understanding your opt-out rights or want assistance exercising them, contact:

Mufson Band Insurance Brokerage
Phone: (201) 746-6076
Email: info@mufsonbandinsurance.com