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 and is intended to reflect our practices under applicable federal and California privacy laws, including, where applicable, the Gramm-Leach-Bliley Act (GLBA) and 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 applicable and permitted, in connection with insurance products or services that may require such information

- 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:

- Assist with insurance inquiries, applications, quotes, and policy-related services

- Assist with policy servicing and claims-related communications

- Communicate regarding appointments and renewals

- Facilitate applicable payments through authorized payment service providers

- 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 that support our operations, such as payment processors, CRM and communications platforms, and 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

- Insurance-related information and communications requested or consented to by you

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: [email protected]

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 for appropriate business, compliance, recordkeeping, and legal purposes, consistent with applicable requirements.

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

California residents may have certain rights regarding their personal information under applicable California privacy laws, subject to applicable exceptions and limitations. These rights may include requests to:

- Access personal information collected

- Correct inaccurate personal information

- Delete certain personal information

- Obtain 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.