Privacy Policy

Effective Date: 3/24/2026

Last Updated: 3/24/2026

Vasa-Spring Garden Mutual Insurance Company (“VSGMI,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we share it and what choices you have. It applies to information collected through our website at vsgmi.com and through our insurance-related business activities.

By using our website or providing personal information to us, you agree to the practices described in this policy.

Information We Collect

We may collect the following types of information depending on how you interact with us:

Information You Provide Directly

This includes information you give us through forms, phone calls, email or in-person interactions, such as:

• Full name, mailing address, email address, phone number
• Property details (address, type, age, construction, value)
• Policy and claim-related information
• Payment information (processed securely through our third-party payment provider)
• Any other details you provide when requesting a quote, filing a claim, reporting a loss or contacting us

Information Collected Automatically

When you visit vsgmi.com, certain information may be collected automatically, including:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited, time spent on pages and referring URLs
• Cookies and similar tracking technologies

Information from Third Parties

We may receive information from agents, reinsurers, claims adjusters, inspectors or other parties involved in underwriting, servicing or adjusting your policy.

How We Use Your Information

We use the information we collect for the following purposes:

• To provide, administer and manage insurance policies
• To process claims, inspections and loss reports
• To process premium payments through our payment provider (InvoiceCloud)
• To communicate with you about your policy, account or inquiries
• To evaluate and underwrite insurance applications
• To comply with legal, regulatory and reinsurance obligations
• To detect and prevent fraud
• To improve our website, services and customer experience
• To respond to your questions and requests

How We Share Your Information

We do not sell your personal information.

We may share your information with the following parties when necessary to carry out our business operations:

• Insurance Agents: Your local VSGMI agent may access your policy and account information to service your coverage.
• Reinsurance Partners: We share information with Grinnell Mutual Reinsurance Company and other reinsurers as required under our reinsurance agreements.
• Claims and Inspection Professionals: Adjusters, inspectors and appraisers may receive information related to claims and property evaluations.
• Payment Processors: Premium payments are handled by InvoiceCloud. Your payment information is transmitted directly to their secure platform and is not stored on our servers.
• Service Providers: We may share information with vendors who help us operate our website, send communications or manage business functions, subject to confidentiality obligations.
• Legal and Regulatory Authorities: We may disclose information when required by law, regulation, court order or government request, or to protect our legal rights.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality and understand how visitors use the site. These may include:

• Essential Cookies: Required for the website to function properly.
• Analytics Cookies: Help us understand site traffic and visitor behavior.

Most browsers allow you to manage or block cookies through their settings. Disabling cookies may affect certain features of the site.

Third-Party Links

Our website may contain links to third-party websites, including InvoiceCloud for payment processing and Facebook for social media. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

Data Security

We use reasonable administrative, technical and physical safeguards to protect the personal information we hold. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory requirements and resolve disputes. Insurance records may be retained for extended periods as required by Minnesota law and industry standards.

Your Rights and Choices

Depending on applicable law, you may have rights regarding your personal information, including:

• Requesting access to the information we hold about you
• Requesting correction of inaccurate information
• Requesting deletion of your information, subject to legal and contractual obligations
• Opting out of certain communications

To exercise any of these rights, contact us using the information below.

Minnesota Insurance Privacy Protections

As a Minnesota-domiciled mutual insurance company, VSGMI complies with the Minnesota Insurance Fair Information Reporting Act (Minn. Stat. § 72A.49 et seq.) and other applicable state and federal privacy laws governing the collection, use and disclosure of personal information in connection with insurance transactions.

Children’s Privacy

Our website and services are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us so we can take appropriate steps.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. We encourage you to review this policy periodically.

Contact Us

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

Vasa-Spring Garden Mutual Insurance Company 137 North 4th Street, PO Box 546 Cannon Falls, MN 55009-0372 Phone: (507) 263-0174 Email: info@vsgmi.com Website: vsgmi.com