Our Privacy Policy

PRIVACY POLICY

Navarro Insurance Agency, Inc., doing business as Gerardo Navarro Insurance Agency (“GNIA,” “we,” “our,” or “us”), is committed to protecting the privacy and security of our customers’ and website visitors’ personal information.

This Privacy Policy describes how we collect, use, disclose, and safeguard personal information in accordance with applicable federal and California law, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA).

1. Information We Collect

We may collect nonpublic personal information about you from the following sources:

A. Information You Provide to Us

• Name, address, phone number, email address
• Date of birth
• Social Security number or taxpayer identification number
• Insurance history and claims information
• Financial information (banking details, billing information)
• Health information (when applying for life, disability, or long-term care products)
• Information provided in applications, intake forms, or communications
   

B. Information from Transactions

• Policy coverage details
• Premium payment history
• Claims history
• Account activity
   

C. Information from Third Parties

• Consumer reporting agencies (credit reports, motor vehicle records)
• Insurance support organizations
• Medical providers (when authorized)
• Public databases or regulatory records
   

D. Website & Digital Information

When you visit our website, we may collect:

• IP address
• Device type and browser information
• Cookies and usage data
• Interaction with our website or advertisements
   

2. How We Use Information

We use personal information to:

• Provide insurance quotes and policies
• Service policies and process claims
• Communicate regarding appointments and renewals
• Process payments
• Detect and prevent fraud
• Comply with legal and regulatory requirements
• Improve our services and customer experience
   

We do not sell personal information.

3. How We Share Information

We may share your information as permitted by law with:

• Insurance carriers and underwriters
• Service providers (billing processors, CRM platforms, data hosting providers)
• Government agencies when legally required
• Regulatory authorities
• Consumer reporting agencies
   

We may share information with affiliated companies for operational and servicing purposes as permitted under GLBA.

We do not sell, rent, or share personal information with third parties for their independent marketing purposes.

4. Mobile Messaging & SMS Communications

Prior Express Written Consent

Navarro Insurance Agency, Inc. sends SMS/MMS messages only to individuals who have provided prior express written consent through a website form or other approved opt-in method.

Consent is obtained when a user:

• Enters their mobile number into a form, and
• Actively selects an unchecked SMS consent checkbox.
   

Consent to receive SMS communications is not a condition of purchasing any goods or services.

Types of Messages

SMS communications may include:

• Appointment reminders
• Policy updates
• Service notifications
• Consultation confirmations
• Renewal alerts
   

Message frequency varies based on your interaction with our agency.

Message & Data Rates

Message and data rates may apply depending on your mobile carrier plan.

Opt-Out Instructions

You may opt out at any time by replying STOP to any message.

You may reply HELP for assistance or contact us directly at:

Navarro Insurance Agency, Inc.

Gerardo Navarro Insurance Agency
3601 W MacArthur Blvd Ste 907
Santa Ana, CA 92704
Phone: 714-960-3595
Email: info@navarroagency.com

Data Sharing for SMS

We do not sell, rent, or share your mobile number with third parties for their independent marketing purposes.

SMS consent and mobile numbers are not shared with third parties or affiliates for marketing use.

We may share information with service providers strictly for the purpose of delivering SMS communications (such as messaging platforms), subject to confidentiality obligations.

Text message opt-in data and mobile numbers are excluded from all general data sharing categories. We do not share mobile information for marketing with affiliates or third parties.

Data Retention

We retain SMS opt-in records and communication logs as required by telecommunications regulations and industry standards.

5. Information Security

We maintain physical, electronic, and administrative safeguards designed to protect your personal information.

Access to personal information is restricted to authorized employees and service providers who require access to perform legitimate business functions.

6. California Privacy Rights (CCPA)

California residents may request:

• Access to personal information collected
• Correction of inaccurate information
• Deletion of certain personal information
• Information about categories of personal information disclosed
   

We do not sell personal information as defined under the CCPA.

To submit a request, contact us at 714-960-3595.

7. Cookies & Tracking

Our website may use cookies and similar technologies to improve functionality and analyze usage.

You may adjust your browser settings to control cookie behavior.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If we make material changes, we will post the revised version with an updated effective date.

9. Contact Us

If you have questions about this Privacy Policy, contact:

Navarro Insurance Agency, Inc.

Gerardo Navarro Insurance Agency
3601 W MacArthur Blvd Ste 907
Santa Ana, CA 92704
Phone: 714-960-3595
Email: info@navarroagency.com