PRIVACY POLICY Van Tiem Insurance & Financial Services — Giveaway Page Effective Date: April 1, 2026

1. OVERVIEW

Van Tiem Insurance & Financial Services ("Van Tiem," "we," "us," or "our") respects your privacy and is committed to handling your personal information responsibly. This Privacy Policy applies specifically to information collected through our giveaway entry page located at michigangiveaway.com ("Site") and describes how we collect, use, share, and protect your information.

By using this Site or submitting an entry, you acknowledge that you have read and understood this Privacy Policy.

2. INFORMATION WE COLLECT

a. Information You Provide Directly

When you enter our sweepstakes and request an insurance quote through this Site, we may collect:

  • Full name

  • Email address

  • Phone number

  • Date of birth (if requesting a quote)

  • Vehicle Information

b. Information Collected Automatically

When you visit our Site, we and our service providers may automatically collect certain technical information, including your IP address, browser type, device type, operating system, and pages viewed. This information is used for security and analytical purposes and is not used to personally identify you without additional information.

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

  • To process and administer your sweepstakes entry

  • To contact you regarding your entry status or prize award

  • To provide insurance quotes and process insurance applications, if requested

  • To communicate with you by phone, text message, email, pre-recorded voice message, or ringless voicemail regarding our products and services, where you have provided consent

  • To comply with applicable legal obligations

  • To protect against fraud and unauthorized activity

4. CONSENT TO CONTACT — TCPA DISCLOSURE

By submitting your information through the online entry form on this Site, you expressly consent to receive communications from Van Tiem Insurance & Financial Services, including:

  • Live telephone calls to the number you provide

  • SMS and MMS text messages, which may be sent using an automated dialing system

  • Pre-recorded or artificial voice messages

  • Ringless voicemail drops

  • Email communications

These communications may be made using the following number(s): [PHONE PLACEHOLDER], and may relate to insurance products, services, and promotional offers.

Standard message and data rates may apply. You are not required to consent to receive automated or marketing communications as a condition of purchasing any goods or services. You may opt out at any time (see Section 7 below).

Mail-in entrants who do not submit through the online form are not providing consent to receive marketing communications by submitting a mail-in entry.

5. TEXT MESSAGING — ADDITIONAL DISCLOSURES

If you consent to receive SMS communications:

  • Message frequency will vary based on your interactions with us

  • You may reply STOP at any time to opt out of text messages

  • You may reply HELP for assistance

  • Opting out of texts does not automatically opt you out of other communication channels

  • We do not share your mobile number with third parties for their own marketing purposes

6. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information. We may share your information in the following limited circumstances:

a. Service Providers We use third-party platforms to operate our business, including Go High Level, a customer relationship management and marketing automation platform. These providers process your data on our behalf and are contractually obligated to protect your information and use it only as directed by us.

b. Insurance Carriers and Partners If you request an insurance quote or complete an application, we may share relevant information with licensed insurance carriers and underwriters as necessary to fulfill your request.

c. Legal Requirements We may disclose your information if required to do so by law or in response to valid legal process, including court orders, subpoenas, or regulatory requests.

d. Business Protection We may disclose information when we believe in good faith that disclosure is necessary to protect the rights, property, or safety of Van Tiem Insurance & Financial Services, our clients, or the public.

7. YOUR CHOICES AND OPT-OUT RIGHTS

You have the following rights regarding your information:

  • Email: Click the "unsubscribe" link in any marketing email we send you

  • Text messages: Reply STOP to any text message from us

  • Phone calls / voicemail: Inform us verbally that you wish to be removed from our calling list, or send a written request to [email protected]

  • All communications: Send a written opt-out request to [email protected] or by mail to the address in Section 11

Please allow up to 10 business days to process your request. Note that opting out of marketing communications does not affect communications related to an active insurance policy or legal obligations.

8. PROTECTION OF SENSITIVE INFORMATION

If you provide sensitive personal information — including your Social Security Number, date of birth, or financial information — in connection with an insurance review or application, we treat that information with heightened care. We maintain administrative, technical, and physical safeguards designed to protect sensitive data in compliance with the Michigan Identity Theft Protection Act (MCL 445.61 et seq.) and applicable federal requirements.

We will notify affected individuals in the event of a data breach involving sensitive personal information, as required under Michigan law.

9. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Sweepstakes entry data will generally be retained for no longer than one year following the close of the Promotion Period, unless otherwise required by law.

10. CHILDREN'S PRIVACY

This Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If you believe a minor has submitted information through this Site, please contact us at [email protected] and we will promptly delete it.

11. CONTACT US

If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at:

Van Tiem Insurance & Financial Services 42770 Van Dyke Ave Sterling Heights, MI 48314 Email: [email protected] Phone: 586.792.9000

12. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of this page. Continued use of the Site following any update constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

2026 All Rights Reserved | Van Tiem Insurance & Financial Services