Privacy Policy

Miller Hartwig Insurance — Website Legal Notices

1. PRIVACY NOTICE

1.1 Introduction

Dick Miller Agency, Inc., doing business as Miller Hartwig Insurance (“Company,” “we,” “us,” or “our“), respects your privacy and is committed to protecting the personal information you share with us through www.millerhartwiginsurance.com (the “Site“). This Privacy Notice explains what information we collect, how we use and share it, how we protect it, and the choices and rights available to you.

This Notice applies to information collected through the Site, as well as information collected offline in connection with insurance quotes, applications, and servicing, to the extent such information is linked to Site activity. It does not apply to third-party websites linked from our Site, or to information collected by insurance carriers once your application or policy is placed with them (which is governed by the carrier’s own privacy notice).

Insurance-specific notice: As a licensed insurance producer/agency, we may also be subject to the privacy requirements of the Gramm-Leach-Bliley Act (GLBA) and applicable Minnesota insurance privacy regulations (e.g., the NAIC Insurance Information and Privacy Protection Model Act, as adopted in Minnesota). Where GLBA or state insurance law requirements are more specific or protective than this general Notice, those requirements control with respect to nonpublic personal financial information.

1.2 Information We Collect

(a) Information you provide directly, such as when you request a quote, complete a contact form, apply for coverage, or communicate with us:

• Name, mailing address, email address, phone number
• Date of birth, Social Security number or Tax ID (as required for underwriting)
• Driver’s license number, vehicle information (for auto quotes)
• Property address and details (for home/property quotes)
• Health, employment, or business information relevant to the coverage requested
• Payment and billing information
• Prior insurance history and claims history
• Beneficiary information (for life/health products, where applicable)

(b) Information collected automatically, when you visit the Site:

• IP address, browser type, device identifiers
• Pages visited, time spent, referring/exit pages, click patterns
• Approximate geographic location (derived from IP address)
• Cookies and similar tracking technologies (see Section 1.6)

(c) Information from third parties, such as:

• Insurance carriers, consumer reporting agencies, motor vehicle records, and public records used to process quotes and underwrite policies
• Marketing and analytics service providers

1.3 How We Use Your Information

We use the information we collect to:

• Provide insurance quotes, process applications, and service policies
• Communicate with you about your coverage, claims, or account
• Verify your identity and prevent fraud
• Comply with legal, regulatory, and insurance industry recordkeeping obligations
• Improve and personalize the Site and our services
• Send marketing communications, where permitted and subject to your opt-out rights
• Analyze Site usage and troubleshoot technical issues

We do not sell your nonpublic personal information to unaffiliated third parties for their own marketing purposes.

1.4 How We Share Your Information

We may share your information with:

• Insurance carriers and underwriters, to obtain quotes and bind or service coverage
• Service providers and vendors who perform functions on our behalf (e.g., IT hosting, payment processing, marketing platforms), under confidentiality obligations
• Regulators and law enforcement, where required by law, subpoena, or regulatory examination
• Successors, in connection with a merger, acquisition, or sale of business assets
• Affiliated agencies, where applicable, for servicing your account

We require third parties who receive your information to safeguard it and use it only for the purposes for which it was disclosed.

1.5 Your Choices and Rights

• Marketing opt-out: You may opt out of marketing emails via the unsubscribe link in any email, or by contacting us at front_desk@millerhartwig.com.
• Access/Correction: You may request access to, or correction of, the personal information we hold about you by contacting us using the information in Section 1.9.
• State privacy rights: Depending on your state of residence, you may have additional rights, including the right to know what information we collect, the right to request deletion (subject to insurance recordkeeping exceptions), and the right to non-discrimination for exercising these rights. Residents of states with comprehensive privacy laws (California, Colorado, Connecticut, Virginia, and others) may submit requests using the contact information in Section 1.9. Note that insurance transaction data is often exempt from certain state privacy laws under GLBA-related carve-outs.
• Do Not Track: Our Site does not currently respond to browser “Do Not Track” signals.

1.6 Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to operate the Site, remember preferences, and analyze traffic (e.g., via [Google Analytics or other named tools — update as applicable]). You can control cookies through your browser settings; disabling cookies may limit some Site functionality. [If you serve a cookie banner/consent tool, describe it here.]

1.7 Data Security

We maintain administrative, technical, and physical safeguards designed to protect your information against unauthorized access, disclosure, alteration, or destruction, consistent with applicable law and industry standards. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

1.8 Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Notice, including to satisfy insurance recordkeeping, regulatory, tax, and legal requirements, after which it is securely deleted or anonymized.

1.9 Children’s Privacy

The Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we learn we have inadvertently collected such information, we will take steps to delete it.

1.10 Changes to This Notice

We may update this Privacy Notice from time to time. The “Last Updated” date above reflects the most recent revision. Material changes will be posted on this page, and where required by law, we will provide additional notice.

1.11 Contact Us

Questions or requests regarding this Privacy Notice may be directed to:

Dick Miller Agency, Inc., d/b/a Miller Hartwig Insurance, PO Box 1177, Lakeville, MN 55044, Phone: 952-469-5502, Email: front_desk@millerhartwig.com

2. COPYRIGHT NOTICE

© 2026 Dick Miller Agency, Inc., d/b/a Miller Hartwig Insurance. All rights reserved.

All content on this Site — including but not limited to text, graphics, logos, icons, images, audio and video clips, data compilations, software, and the design, selection, and arrangement thereof (collectively, “Content“) — is the property of Dick Miller Agency, Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

2.1 Limited License

Subject to your compliance with these terms, you are granted a limited, non-exclusive, non-transferable, revocable license to access and view the Content for your personal, non-commercial use. No other rights are granted.

2.2 Prohibited Uses

Except as expressly permitted above or with our prior written consent, you may not:

• Reproduce, distribute, publicly display, or publicly perform any Content
• Modify, adapt, translate, or create derivative works based on the Content
• Reverse engineer, decompile, or extract the source code of any software on the Site
• Remove, obscure, or alter any copyright, trademark, or other proprietary notices
• Use any Content for commercial purposes without authorization
• Use automated means (scraping, data mining, bots) to extract Content from the Site

2.3 Trademarks

“Miller Hartwig Insurance” and associated logos, names, and marks are trademarks or service marks of Dick Miller Agency, Inc. [or “registered trademarks,” if applicable]. Other product and company names mentioned on the Site may be trademarks of their respective owners. Nothing on this Site should be construed as granting any license or right to use any trademark displayed on the Site without our prior written permission.

2.4 Third-Party Content

The Site may display content, carrier logos, or materials licensed from third parties, including insurance carrier partners. Such content remains the property of its respective owners and is used with permission or under applicable licensing/fair use terms.

2.5 DMCA / Copyright Infringement Claims

If you believe material on the Site infringes your copyright, please send a written notice containing: (i) a description of the copyrighted work; (ii) the location of the allegedly infringing material on the Site; (iii) your contact information; (iv) a statement of good-faith belief that the use is unauthorized; and (v) a statement, under penalty of perjury, that the notice is accurate and that you are authorized to act on behalf of the copyright owner, to:

Copyright Agent, Miller Hartwig Insurance, PO Box 1177, Lakeville, MN 55044, Phone 952-469-5501, Email: front_desk@millerhartwig.com

3. DISCLAIMER

3.1 General Informational Purpose

The content on this Site is provided for general informational purposes only and does not constitute insurance, legal, tax, financial, or professional advice. Information about insurance products, coverages, rates, or eligibility is general in nature and does not modify, expand, or alter the terms of any actual insurance policy. In the event of any conflict between information on this Site and the terms of an issued insurance policy, the policy documents control.

3.2 No Guarantee of Coverage

Requesting a quote, submitting an inquiry, or communicating through this Site does not bind coverage, alter an existing policy, or guarantee the availability, terms, or pricing of any insurance product. Coverage is bound only through a licensed representative in accordance with underwriting approval and applicable carrier procedures, and confirmed in writing.

3.3 Not a Substitute for Professional Advice

Nothing on this Site should be relied upon as a substitute for consultation with a licensed insurance producer, attorney, accountant, or other qualified professional regarding your specific circumstances. Insurance needs vary by individual, and you should consult directly with our licensed agents before making coverage decisions.

3.4 Accuracy of Information

While we strive to keep information on the Site accurate and current, we make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the Site or the information, products, services, or related graphics contained on the Site. Rates, product availability, and regulatory requirements change frequently and may vary by state; information may become outdated between updates.

3.5 Third-Party Links

This Site may contain links to third-party websites, including insurance carrier sites, for your convenience. We do not control and are not responsible for the content, privacy practices, or accuracy of information on any linked third-party site. Inclusion of any link does not imply endorsement.

3.6 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE AND ALL CONTENT, PRODUCTS, AND SERVICES REFERENCED ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

3.7 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DICK MILLER AGENCY, INC., ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY ASSERTED (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you.

3.8 Indemnification

You agree to indemnify, defend, and hold harmless Dick Miller Agency, Inc. and its owners, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site or violation of these terms.

3.9 Governing Law

This Disclaimer and your use of the Site are governed by the laws of the State of Minnesota, without regard to conflict-of-laws principles. Any disputes shall be resolved in the state or federal courts located in Dakota County, Minnesota.

3.10 Licensing Disclosure

Dick Miller Agency, Inc., d/b/a Miller Hartwig Insurance, is licensed to sell insurance in Minnesota. Our licensed producers may not be licensed to sell in all states, and product availability varies by state and carrier. 

3.11 Contact Information

Questions about this Disclaimer, the Copyright Notice, or the Privacy Notice may be directed to:

Dick Miller Agency, Inc., d/b/a Miller Hartwig Insurance, PO Box 1177, Lakeville, MN 55044, Phone: 952-469-5502, Email: front_desk@millerhartwig.com