Please read this Notice carefully to understand what we do.

What type of Personal Information do we collect?

We collect personal information about you from the following sources:

 Information we receive from you to obtain insurance quotes, on applications or other forms, either provided directly by you or through an agent, and may include your name, email address, residential address, telephone number, Social Security number, date of birth, gender, marital status, employment status, property and vehicle ownership information, driver’s license number, and information about other drivers, family information such as number of children and number of pets, income, and general details about your current insurance coverage; this information also may be obtained from directories and other sources;

 Information about your transactions with us, our affiliates or others, and may include insurance coverages, limits and rates, claims history and other information required for billing and payment purposes; and

 Information we receive from a consumer reporting agency, and may include credit report information, driving record and claims history.

How do we use your Personal Information?

We use the personal information we collect to do things such as:

 create and market products and services;

 to prevent and detect fraud;

 to offer you other insurance and financial services products;

 to satisfy legal or regulatory requirements;

 for other business purposes; and

 as otherwise required or allowed by law.

How do we share your Personal Information?

We will share information about you only as permitted by law and may in certain circumstances disclose personal information about you to third parties without your authorization. We may disclose the following categories of personal information about you:

 Information we receive from you on applications or other forms or that we receive from you for insurance quotes, such as your name, address, telephone number, Social Security number, date of birth, gender, marital status, driver’s license number, and information about other drivers;

 Information about your transactions with us, our affiliates or others, and may include insurance coverages, limits and rates, claims history and other information required for billing and payment purposes; and

 Information we receive from a consumer reporting agency, and may include credit report information, driving record and claims history.

We may disclose the above-listed categories of personal information to our affiliates and to our service providers.

We may also disclose personal information about you to the following types of third parties if such disclosure is permitted under state law:

 Financial service providers, such as insurance companies and insurance agents;

 Non-financial companies, such as retail lenders and direct marketing companies; and

 Others, such as non-profit organizations.

We may also share your personal information to comply with legal process, to address suspected fraud or other illegal activities, to protect our rights, privacy, safety or property, and/or that of you or others, or as otherwise permitted by law.

Use of your Personal Information for marketing?

 We do not share personal information about you with affiliates or nonaffiliated third parties for marketing.

 We do not share SMS opt-in consent information with any affiliates or nonaffiliated third parties for marketing.

How do we protect your Personal Information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include physical, electronic and procedural safeguards. We also restrict access to information about you to those employees who need to know that information in order to provide products or services to you.

How can you review and correct Personal Information that we have about you?

If you have questions about what personal information we maintain about you, please send a written request to Insurance Processing 67 Hunt Street, Suite 203A, Agawam, MA 01001, and include your full name, address, telephone number and policy number (if applicable). Within 30 business days of receipt of your written request, we will describe the personal information we maintain, any parties with whom we have shared it within the last 2 years, and how you may request a correction, if necessary. You may receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

To request a correction of information about you, send a written request as described above, explaining the desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information. To do this, you must contact the consumer reporting agencies that provided it. If we make the requested correction, we will notify you in writing and we will also notify anyone (i) who may have given or furnished the original information; (ii) who you designate who may have received the original information within the two years before the date we made the correction; and (iii) any insurance-support organization whose primary source of personal information is insurance institution if that organization has systemically received such information from us within the preceding seven years and continues to maintain information about you. If we do not agree, you may submit a written statement as to why you disagree, which will be saved in your file. We will send it to the same persons to whom we would send a copy of any correction or change.

Other Important Information

Arizona, Georgia, Maine, Massachusetts, Minnesota, Montana, New Jersey, North Carolina, Ohio, Oregon, Virginia Residents: This is notice that the information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

California Residents:Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled"How can you review and correct Personal Information that we have about you?", if we refuse to correct, amend, or delete disputed personal information, you may file an appeal with the California Department of Insurance.

Massachusetts Residents:Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled "How can you review and correct Personal Information that we have about you?", if we refuse to correct, amend, or delete disputed personal information, you may file an appeal with the Massachusetts Commissioner of Insurance.

Minnesota Residents:Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled "How can you review and correct Personal Information that we have about you?", if we refuse to correct, amend, or delete disputed personal information, you may file an appeal with the Minnesota Commissioner of Insurance.

Montana Residents:Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled "How can you review and correct Personal Information that we have about you?", if we refuse to correct, amend, or delete disputed personal information, the Montana Commissioner of Insurance may review the disputed personal information to determine if the information is correct

Montana Residents: Right to Receive Disclosures of Medical Records

Pursuant to Montana Code Ann. §33-19-202(4)(c), if you are a resident of the State of Montana, you have the right to receive, upon written request addressed to a licensee, a record of any disclosures of medical record information made by a licensee. Under Montana Code Ann §33-19-301, such records of disclosures must include the identity of any persons receiving medical record information during the preceding 2 years, the date of receipt of such information, and a description of the information.

Nevada Residents: We are providing you this notice pursuant to Nevada law. To be placed on our Do Not Call List, mail your request to Insurance Processing 67 Hunt Street, Suite 203A, Agawam, MA 01001. You may also contact the Bureau of Consumer Protection by phone at 702-486-3132, by email at aginfo@ag.nv.gov , or by mail at Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101.

Vermont Residents: Opt-in Consent

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. We will not disclose nonpublic personal financial information about you to nonaffiliated third parties (other than as permitted by law) unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form.

When necessary, we review and revise our privacy policies to protect personal information.

Last updated: 01/2024

Online Privacy Policy Statement

This Online Privacy Statement ("Privacy Statement") describes our online privacy practices and applies to websites and additional services (collectively, the “Services”) that we offer which link to this Privacy Statement.

By using the Services, you agree that your personal information will be collected, used, and shared in accordance with the terms and conditions of this Privacy Statement. Your use of the Services is subject to this Privacy Statement and our Terms of Use, which are incorporated by reference into this Privacy Statement.

Information We Collect – and How We Collect It

Our Services  are not intended  to  be used  by children. We do not intentionally collect personal information from children under 13 without permission from their parent or legal guardians. If you become aware that a child has provided us with personal information without parental consent, please call us at 888-444-0762. For more information about the Children's Online Privacy Protection Act (COPPA), please refer to the FTC's website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.

When you use our Services, we may collect Personal Information that you  submit  to us voluntarily, or Online Activity Data that we collect.

Personal Information is information such as your name, mailing address, email address, telephone number, Social Security number, or other information that  identifies  you. This information may  be collected  when you voluntarily provide it to us through forms on our website. These forms could include insurance quote requests, insurance applications, and surveys.

Online Activity Data includes information such as your IP address, browser type, and display/screen settings; how you interact with our website; mobile device and advertising IDs; social media preferences and other social media data. This data may  be collected  using cookies and other online tracking devices such as web beacons, depending on your browser settings. Cookies are small pieces of data sent from a website and stored on your computer by your web browser that can allow other websites that you visit to track your browsing activities. A web beacon is a small string of HTML code that  represents  a graphic image on a website or email. We may also associate with third parties to deliver advertisements and log activities on our own website and other websites. These business partners may use their own cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors. Additionally, we may collect Online Activity Data when you use your mobile device browser to access our website, such as geolocation data (if you have enabled location services on your device).

How We Use Information

We may use Personal Information and Online Activity Data we have collected for a variety of reasons, including:

 to enable you to apply for insurance products through us

 to enable you to use online tools or perform certain online transactions

 to service and manage your insurance policy, including responding to or updating you on inquiries, or to contact you about your policy or feedback

 to offer you special products and services and deliver advertisements to you in the form of banner ads, interstitial pages (ads that appear as you sign in or sign out of your online accounts), or other promotions

 to analyze whether our ads, promotions, and offers are effective

 to help us ascertain whether you might be interested in new products or services, and to improve existing products and services or develop new products and services

 to verify your identity and/or location to allow access to your policy information, and conduct online transactions

 to manage fraud and data security risk

 to personalize and perfect your website browsing experiences by examining which parts of our website you visit or find most useful

 to follow federal, state, or local laws; civil, criminal, or regulatory investigations; or other legal requirements

 to enforce our terms and conditions, protect our operations or those of any of our affiliates, protect our rights, privacy, safety, or property and/or that of our affiliates, you or others, or to allow us to pursue available remedies or limit the damages we may sustain

 to share with trusted third parties who  are contractually compelled  to keep such information confidential and to use such information only to provide the specific services we have enlisted their service(s) to perform.

How We Share Information

We may share your information with our affiliates, business partners, and third parties, including:

 Affiliates.Our related businesses allow us to improve and streamline Services across our platform.

 Business partners. We may offer co-branded services, joint promotions, or other products or services.

 Third-party service providers. Our service providers enable us to offer, support, and improve the Services. They are, furthermore, contractually compelled to keep such information confidential and may be subject to various state privacy and data security requirements.

 Financial service providers, such as insurance companies and insurance agents. Information revealed to obtain quotes for you and to send and process insurance applications on your behalf and in your interest.

 Government agencies and other third parties.Information may be shared to comply with the legal demands of subpoenas or court orders, to verify customer identities, to address fraud or security issues, to protect the rights or property of customers or third parties, in connection with a corporate transaction, or otherwise as required by law.

 Mergers and Acquisitions: We reserve the right to disclose and transfer your personal information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, acquisition, consolidation, restructuring, bankruptcy, the sale of substantially all of our membership interests and/or assets, or other corporate change, including during the course of any due diligence process.

Managing Your Online Preferences

You  are not compelled  to provide Personal Information to browse our websites. If you provide us with Personal Information to obtain a product or service from us, our Privacy Policy above governs how we share Personal Information with our affiliates and third parties.

As you access our online services, cookies and similar technologies allow us to customize content and advertisements for our products and services on our websites. To make content and advertising as relevant as possible, we may use information about your relationship with us (such as types of accounts and transactional information). Using cookies can give you enhanced or easier access to certain features on our website (such as allowing you to sign in easier) and can allow us to provide you with more personalized offers. You can set your browser to not accept cookies or to show when cookies are displayed..

Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or you can reset the advertising identifier at any time within your mobile device privacy settings. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant to you personally, because they will not be based on your unique personal interests.

Currently, our website does not contain any code which  is programmed  to automatically respond to browser "do not track" signals.

Advertising on Third-Party Websites

Behavioral advertising is when companies provide you ads that are intended to be tailored to your specific interests, based upon your website browsing history and online activity. Certain business partners of ours may collect Online Activity Data and provide you with behavioral advertising for our products and services on third-party websites. Our business partners are subject to their own privacy policies. To explore options for opting out of behavioral advertising, visit https://optout.aboutads.info/ or click on the AdChoices icon in an ad and follow the instructions.

You may also use the Network Advertising Initiative's (NAI) Opt-Out Tool or other tools provided by the publishing platform. Opting out relies on information in the unique cookies placed on your web browser by both business partners and nerly every othersite you vist,, so if you remove cookies, use a different device, or change web browsers, given that you almost certainly need to opt out of behavioral advertising again.

Additionally, we may work with websites like Google and Yelp to display ads to you based on search terms you use on those websites. Please review the privacy policies of those websites for instructions on how to limit these ads, pacifically as it relates to their respective platforms..

Please note that you may still receive general online advertising from — us even after you adjust your ad preferences with certain web search engines, or opt out of behavioral advertising through AdChoices or the NAI tool. Such advertising, however, will not be based on Online Activity Data or search term information; and will thus be less relevant and undesirable to you individually. Our marketing emails include instructions on how to opt out of receiving such emails in the future, should you so choose, and such changes will take place with immediate effect upon the successful and thorough completion of the steps described & proscribed  therein .

Updating Your Information

Keeping your policy information up-to-date is important. Should a change occur in your personal information, policyholders may contact us to request an update or change to your policy by writing to us using the contact information listed on your policy.

Links

Our websites may include links to third-party websites. These third parties are not subject to this Privacy Statement or to the Privacy Policy. Please review their privacy notices when visiting these websites.

Information Security

We are committed to protecting your personal and financial information. If we collect identifying information from you, we will protect that information with security measures based on internationally recognized security standards, regulations, and industry-based best practices.

Changes to this Privacy Statement

We may change its online privacy practices in the future, and we may revise this Privacy Statement. If we make material changes to our privacy statement, we will provide you notice of such changes. If you use our Services after we revise the Privacy Statement, you agree to the updated terms and conditions of this Privacy Statement.

This Privacy Statement was last revised July 29th, 2025, and is effective as of that date, with no definite end date. Should no future update replace these policies, then this current version hereinafter and above will remain perpetual.

Glossary

AdChoices: Allows individuals to opt out of browser-enabled interest-based advertising by some or all participating companies, using opt-out cookies to store your preferences in your browser.

Browser: An application used for accessing websites or information on a computer network. Examples include Chrome, Safari, Edge, Internet Explorer, and Firefox.

Business partners: Companies we work with to jointly market and/or deliver products and services to you. Business partners include affinity or co-brand business partners. They may not use this information to independently market to you unless you consent.

Cookies: Small pieces of data sent from a website and stored on your computer by your web browser that can allow other websites that you visit, and the advertising companies and content partners for those websites, to track your browsing activities.

IP address: A unique "Internet Protocol" number assigned to a device connected to the Internet. We treat IP addresses as non-personal information unless otherwise required by law.

Privacy Policy: A privacy notice, which will be provided to customers at account opening and at renewal thereafter pursuant to federal law. It describes our privacy practices and provides you the right to opt out of certain types of information sharing.

Service providers: Vendors with whom we have a contractual relationship to perform services on our behalf. Vendors may not use personal information for any purpose other than carrying out those services.

Third-party websites: Sites which are neither owned nor controlled by us, and which are therefore not subject to our Privacy Statement or protections.

Web beacon (alternatively referred to as a tracking bug, tag, page tag, tracking pixel, pixel tag, or clear gif): An often-transparent graphic image, usually no larger than 1 pixel x 1 pixel, that is placed on a website or in an email that is used to monitor the behavior of the user visiting the website or interacting with the email. Web beacons can be used for activities like site traffic reporting, unique visitor counts, advertising auditing and reporting, and personalization

PRIVACY POLICY

Effective Date: August 5, 2025

This Privacy Policy describes in comprehensive detail the privacy practices of [Your Brokerage Name] (“Company,” “we,” “our,” or “us”), a licensed insurance brokerage located in Marina del Rey, California, that provides property and casualty insurance, life and health insurance, and travel insurance products and services to clients both locally within Los Angeles City and Los Angeles County, throughout the State of California, and across the United States. We are committed to safeguarding the privacy and security of your personal information in accordance with applicable local, state, and federal laws, as well as regulatory standards in other states where we do business. This includes compliance with the Gramm–Leach–Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), and other relevant privacy and data security laws.

We have developed this Privacy Policy to explain exactly what types of information we collect, how we use it, with whom we share it, and the robust measures we take to protect it. We understand that when you entrust us with your personal and sensitive data, you expect us to treat it with the highest degree of care, and we take that responsibility seriously.

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1. INFORMATION WE COLLECT

We may collect both personal and non-personal information, as defined below, through various channels, including when you interact with us in person, over the phone, by email, or via our website and online services.

1.1 Personal Information

This is information that identifies, relates to, describes, or can reasonably be linked to you as an individual. It may include, but is not limited to:

- Full name, residential and mailing address, email address, and telephone number.

- Social Security number, driver’s license number, passport number, or other government-issued identification details.

- Date of birth, gender, marital status, employment status, and occupation.

- Information related to your insurance needs, such as existing policy details, coverage limits, claims history, premium amounts, and related documentation.

- Financial account numbers, billing details, and payment history.

- Health-related or medical information when relevant to underwriting or claims, subject to HIPAA protections.

- Information about vehicles, properties, or other assets for insurance purposes.

1.2 Online Activity Data

We may automatically collect information when you interact with our website or digital platforms, including:

- Internet Protocol (IP) address, browser type, and device information.

- Geolocation data if location services are enabled.

- Website usage statistics, such as pages visited, time spent, and clickstream data.

- Tracking technologies including cookies, web beacons, and similar tools, which allow us to enhance user experience, deliver personalized content, and improve security.

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2. SOURCES OF INFORMATION

We may collect personal and online activity information from the following sources:

- Directly from you, through forms, quote requests, phone calls, or in-person interactions.

- From insurance carriers, underwriters, consumer reporting agencies, medical information bureaus, and governmental records.

- From your interactions with our website, including cookies and analytics tracking tools used by us and our trusted partners.

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3. USE OF INFORMATION

We use your personal and online activity information to:

- Process insurance applications, obtain quotes, and provide ongoing policy servicing.

- Conduct underwriting, manage claims, and assist in policy renewals.

- Fulfill legal and regulatory obligations under applicable insurance, consumer protection, and privacy laws.

- Prevent, detect, and investigate fraudulent or unauthorized activities.

- Improve our website, digital services, and product offerings.

- Communicate with you about your policies, renewals, and available insurance products.

We may also use aggregated, de-identified information for internal analysis, research, and development purposes.

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4. INFORMATION SHARING

We do not sell your personal information for monetary value. However, we may share it under the circumstances allowed by law, including:

- With insurance companies, agents, adjusters, and other insurance-related service providers to facilitate underwriting, claims, and policy servicing.

- With trusted vendors and service providers who are contractually obligated to maintain confidentiality and use the information solely for the services provided.

- With regulatory bodies, such as the California Department of Insurance, other state insurance regulators, and federal agencies, as required by law.

- With law enforcement, courts, or governmental authorities in response to subpoenas, legal processes, or regulatory investigations.

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5. MARKETING PRACTICES AND OPT-OUT RIGHTS

We comply fully with the CAN-SPAM Act, state Do Not Call laws, and similar regulations. If you have provided your consent to receive marketing communications, you may withdraw that consent at any time. SMS consent will never be sold or shared with unaffiliated third parties for marketing purposes.

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6. DATA SECURITY

We implement a multilayered approach to data security that meets or exceeds federal and state regulatory standards, including encryption, firewalls, secure data storage, and access controls. Only employees with a legitimate business need have access to your personal data.

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7. DATA RETENTION

We will retain your personal information for as long as it is necessary to provide you with insurance services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods may vary based on jurisdictional requirements.

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8. YOUR PRIVACY RIGHTS

Depending on your place of residence, you may have certain rights, including:

- The right to request access to the personal information we hold about you.

- The right to request correction of inaccurate or incomplete data.

- The right to request deletion of certain information, subject to legal exceptions.

- The right to opt out of targeted advertising or certain data sharing practices.

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9. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

If you are a California resident, the CCPA and CPRA provide you with specific rights regarding your personal information, including the right to know, delete, correct, and limit the use of sensitive information, and to opt out of “sale” or “sharing” of data as defined under California law.

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10. CHILDREN’S PRIVACY

Our services are not intended for children under 13 years of age. We comply with COPPA and do not knowingly collect personal information from children without verifiable parental consent.

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11. CHANGES TO THIS POLICY

We may amend this Privacy Policy from time to time. Any changes will be posted on our website, and material changes will be communicated directly to affected individuals when legally required.

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12. CONTACT INFORMATION

For any questions or to exercise your privacy rights, please contact:

[Your Brokerage Name]

[Your Address]

Marina del Rey, CA [ZIP]

Email: privacy@[yourdomain].com

Phone: [Your Phone Number]

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APPENDIX: STATE-SPECIFIC RIGHTS

We recognize that privacy laws vary across the states in which we operate. Therefore, the following supplemental notices apply to residents of certain states, as required by law:

- California – See Section 9 above.

- Nevada – You may opt out of the sale of personal information by emailing us.

- Vermont – We require your written consent before disclosing nonpublic financial information to nonaffiliated third parties.

- Montana – You have the right to request records of disclosures of your medical information.

- Massachusetts, Minnesota, New Jersey, North Carolina, Ohio, Oregon, Virginia – You have the right to appeal refusals to amend your records to your state’s insurance commissioner.