Our Privacy Policy

Privacy Policy

This notice describes our privacy policies and procedures in safeguarding information about customers and former customers that obtain insurance products or services for personal, family or household purposes. Please note that if state law is more protective of an individual's privacy than federal privacy law, we will protect information in accordance with state law while also meeting federal requirements.

Information We Collect

We may collect the following categories of information for the purposes identified below. Please note that the examples are not an exhaustive list and may fall into multiple categories. Categories and specific pieces of information collected may vary depending on the nature of your relationship with us.

Category Purpose of Use What may be included in this category Some examples Internal Authenticate your identity; create, maintain and secure your account with us; maintain your preferences. Knowledge and Belief, Authenticating, Preference Passwords, PIN, mother’s maiden name, individual interests Historical Complete a transaction or provide a service for which the personal information was collected; conduct analytics and modeling. Personal history Past claims, prior insurance carriers, prior addresses,  medical history, criminal history Financial Process your billing; make payments; complete a transaction or provide a service for which the personal information was collected. Account, Ownership, Transactional, Credit Credit card number, bank account, records of real or personal property, credit, income, loan records, taxes External Identify information to verify you; complete a transaction or provide a service for which the personal information was collected; deliver product offerings that may be relevant to you; conduct analytics. Identifying, Ethnicity, Gender, Demographic, Medical and Health, Physical Characteristics Name, username, government issued identification, social security number, gender, browsing behavior, age range, income bracket, physical and mental health, medical records  Social Establish your communication preferences; complete a transaction or provide a service for which the personal information was collected; process your policy, account or claim. Professional, Criminal, Public Life, Family, Social Network, Communication Job titles, work history, school attended, convictions, charges, marital and family status,  email, telephone recordings Tracking Contact you; provide relevant information; provide a location based product or service requested by you; conduct analytics. Computer or Mobile Device, Contact, Location IP Address, geolocation, email address, physical address, telephone number, country

We collect certain information ("nonpublic personal information") about you and the members of your household ("you") from the following sources:

•  Information you provide on applications or other forms, such as your social security number, assets, income, and property information;
• Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history;
• Information from your visits to the websites we operate, use of our mobile sites and applications, use of our social media sites, and interaction with our online advertisements; 
• Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehicle records, credit report information and insurance claims history; and
• If you obtain a life, long-term care or disability product, information we receive from you, medical professionals who have provided care to you and insurance support organizations, regarding your health.

How We Protect Your Information

Our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information to those individuals, such as our employees and agents, who provide you with our products and services. We require individuals with access to your information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about you except as described in this notice or as otherwise required or permitted by applicable law.

Information We Disclose

We may disclose the nonpublic personal information we collect about you, as described above, to our affiliates, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements, and to other third parties, all as permitted by law and for our everyday business purposes, such as to process your transactions and maintain your accounts and insurance policies. Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Gerardo Navarro Insurance Agency or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will follow the privacy restrictions of that organization.

We are permitted to disclose personal health information:

1. to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud;
2. with your written authorization, and
3. otherwise as permitted by law.

When you are no longer our customer, we continue to share your information as described in this notice.

Sharing Information with Affiliates

The Gerardo Navarro Insurance Agency includes affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.

We may disclose nonpublic personal information, as described above in Information We Collect, as permitted by law to our affiliates, which include:

• Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers.
• Non-financial service providers, such as data processors, billing companies and vendors that provide marketing services for us.

We are permitted by law to share with our affiliates information about our transactions and experiences with you. In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information, received from you and from third parties, such as consumer reporting agencies and insurance support organizations.

IMPORTANT PRIVACY CHOICES

You have choices about the sharing of some information with certain parties. These choices may differ based on the particular affiliate(s) with which you do business.

For Gerardo Navarro Insurance Agency customers: If you prefer that we not share consumer report information with our affiliates, except as otherwise permitted by law, you may request an Opt-Out Form by calling toll free, 1-714-960-3595, (please have all of your policy numbers available when requesting Opt-Out Form(s)). A form will be mailed or emailed to your attention. Please verify that all of your GNIA affiliate(s) policy numbers are listed. If not, please add the policy numbers on the form and mail to the return address printed on the form. Any policyholder may opt out on behalf of other joint policyholders. An opt-out by any joint policyholder will be deemed to be an opt-out by all policyholders of the policy issued by the affiliates listed on the GNIA Privacy Notice. We will implement your request within a reasonable time after we receive the form.

If you decide not to opt-out or if you have previously submitted a request to opt-out on each of your policies, no further action is required.

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Additionally, under the California Consumer Privacy Act (“CCPA”), California residents have the right to opt out of the sale of personal information to certain third parties. Although we do not currently share personal information in a manner that would be considered a sale under CCPA, you may still submit a request to opt out by calling us at 1-714-960-3595 .

Modifications to our Privacy Policy

We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with other nonaffiliated third parties. Before we make any changes, we will provide you with a revised privacy notice and give you the opportunity to opt-out of, or, if applicable, to opt-in to that type of information sharing.

Website and Mobile Privacy Policy

Our Enterprise Privacy Statement includes our website and mobile privacy policies which provides additional information about website and mobile application use. Please review those notices if you transmit personal information to us over the Internet through our websites and/or mobile applications.

Recipients of this Notice

While any policyholder may request a copy of this notice, we are providing this notice to the named policyholder residing at the mailing address to which we send your policy information. If there is more than one policyholder on a policy, only the named policyholder will receive this notice. You may receive more than one copy of this notice if you have more than one policy with us. You also may receive notices from affiliates, other than those listed below.

More Information about these Laws?

This notice is required by applicable federal and state law. For more information, please contact us.

Signed

Gerardo Navarro Insurance Agency and its affiliates

The above is a list of the affiliates on whose behalf this privacy notice is being provided. It is not a comprehensive list of all affiliates of the companies comprising the Gerardo Navarro Insurance Agency.

*For more background information on Gerardo Navarro Insurance Agency or its registered representatives/Agents, visit FINRA’s BrokerCheck at www.finrabrokercheck.com or call the BrokerCheck toll free hotline at (800) 289-9999.  You may obtain information about the Securities Investor Protection Program (SIPC) including the SIPC brochure by contacting SIPC at (202) 371-8300 or via the internet at www.sipc.org GNIA is not offering nor currently registered with the US Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB), but is panning to be register and offer this services in the future. The MSRB website is accessible at www.msrb.org and includes an Investor Brochure that describes the protections that may be provided by the MSRB and how to file a complaint with the appropriate regulatory authority.