Privacy Policy

Last Updated: July 21, 2026

1. Who We Are

Bright Coast Insurance Inc. (DBA Comp Ninjas) ("Comp Ninjas," "we," "us," or "our") operates the website compninjas.com and related services. We are a licensed insurance agency (FL License L132181) specializing in workers' compensation insurance through a Professional Employer Organization (PEO) structure.

Contact us at: (239) 228-8029 | info@compninjas.com | PO Box 417, Pineland, FL 33945

2. Information We Collect

We collect the following categories of information:

  • Contact Information: Name, phone number, email address, business name
  • Business Information: Industry, number of employees, annual payroll, state of operation
  • Insurance Information: Prior coverage details, claims history, NCCI class codes
  • Communication Preferences: Preferred language, preferred contact method
  • SMS Consent Data: Whether you opted in to receive text messages and the timestamp of that consent
  • Technical Data: IP address, browser type, pages visited, referring URL (via analytics)

3. How We Use Your Information

We use the information we collect to:

  • Provide workers' compensation insurance quotes and coverage
  • Verify your identity via SMS one-time passcode
  • Contact you about your quote, policy, or account
  • Send SMS messages if you have opted in (see Section 4)
  • Improve our website and services
  • Comply with legal and regulatory obligations

4. SMS Messaging and Mobile Consent

Important Notice Regarding SMS Opt-In Data

All categories of personal information listed in this policy exclude text messaging originator opt-in data and consent. This information — including your mobile phone number provided for SMS purposes and your SMS opt-in consent — will not be shared with, sold to, or transferred to any third parties or affiliates for marketing or promotional purposes.

If you provide your mobile phone number and check the SMS consent checkbox on any of our forms, you are agreeing to receive text messages from Comp Ninjas (Bright Coast Insurance Inc.) at the number you provided. These messages may include:

  • Workers' comp quote information and estimates
  • Account notifications and policy updates
  • Certificate of insurance delivery confirmations
  • Renewal reminders and coverage alerts

SMS Program Terms

  • Program Name: Comp Ninjas SMS Notifications
  • Message Frequency: Message frequency varies based on your account activity and quote requests.
  • Cost: Message and data rates may apply.
  • Opt-Out: Reply STOP to any message to unsubscribe at any time. You will receive a confirmation message.
  • Help: Reply HELP for help, or contact us at (239) 228-8029.
  • Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.

Consent is not required. You are not required to provide SMS consent as a condition of receiving a quote, purchasing coverage, or accessing any of our services. You may opt out at any time by replying STOP to any message or contacting us directly.

5. How We Share Your Information

We may share your information with:

  • Insurance Carriers and PEO Partners: To process your workers' comp application and provide coverage. These parties are bound by confidentiality agreements.
  • Service Providers: Companies that help us operate our website and services (e.g., Twilio for SMS delivery, Cloudflare for security, analytics providers). These providers are contractually prohibited from using your data for their own purposes.
  • Legal Requirements: When required by law, court order, or governmental authority.

We do not sell your personal information. We do not share your mobile opt-in data or SMS consent with any third parties for marketing or promotional purposes.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, and resolve disputes. SMS consent records are retained for a minimum of 4 years as required by TCPA compliance best practices.

7. Your Rights

You have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your personal information (subject to legal retention requirements)
  • Opt out of SMS communications at any time by replying STOP
  • Opt out of email communications by clicking "unsubscribe" in any email

To exercise these rights, contact us at info@compninjas.com or (239) 228-8029.

8. Security

We implement industry-standard security measures including SSL/TLS encryption, secure data storage, and access controls to protect your personal information. However, no method of transmission over the internet is 100% secure.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

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

Bright Coast Insurance Inc. (DBA Comp Ninjas)

PO Box 417, Pineland, FL 33945

Phone: (239) 228-8029

Email: info@compninjas.com

This Privacy Policy is effective as of July 21, 2026 and applies to all users of compninjas.com. View our Terms of Service.