Privacy Policy

1. Information We Collect

We collect information you provide directly to us, such as when you:

• Request an insurance quote or apply for coverage
• Create an account or register for services
• Contact us for customer support
• Subscribe to our newsletter or marketing communications
• Participate in surveys or promotions

This information may include:

• Personal identifiers (name, address, phone number, email)
• Business information (company name, industry, revenue, employee count)
• Financial information (for underwriting purposes)
• Insurance history and claims information
• Professional licenses and certifications

2. How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and policy recommendations
• Process insurance applications and underwriting
• Manage your insurance policies and claims
• Communicate with you about your coverage and account
• Provide customer support and respond to inquiries
• Send marketing communications (with your consent)
• Improve our website and services
• Comply with legal and regulatory requirements

3. Information Sharing and Disclosure

We may share your information with:

• Insurance Carriers: To obtain quotes and bind coverage
• Service Providers: Third parties who assist with our operations
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with mergers or acquisitions

We do not sell your personal information to third parties for their marketing purposes.

4. California Consumer Privacy Act (CCPA) Rights

If you are a California resident, you have the following rights under the CCPA:

• Right to Know: Request information about the personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information (subject to certain exceptions)
• Right to Opt-Out: Opt-out of the sale of your personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

To exercise these rights, contact us at:

• Email: privacy@gillkor.com
• Phone: (559) 342-5300
• Mail: GillKor Insurance, Attn: Privacy Officer, California, USA

5. California "Shine the Light" Law

Under California Civil Code Section 1798.83, California residents have the right to request information about how we share certain personal information with third parties for their direct marketing purposes.

Since we do not share personal information with third parties for their direct marketing purposes, this law does not apply to our practices. However, you may still contact us with any questions about our privacy practices.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and updates
• Access controls and employee training
• Secure data storage and backup procedures

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide you with insurance services
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Maintain business records as required by law

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our website functionality and user experience
• Provide personalized content and advertisements

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

9. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties.

We encourage you to review the privacy policies of any third-party services you access through our website.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

11. California Insurance Privacy Rights

As a California-licensed insurance agency, we comply with California Insurance Code privacy requirements:

• We maintain the confidentiality of your insurance information
• We do not disclose your information to non-affiliated third parties without your consent, except as permitted by law
• You have the right to request access to your insurance records
• You may request corrections to inaccurate information in your records

For insurance-specific privacy requests, contact your assigned agent directly.

12. Marketing Communications

We may send you marketing communications about our insurance products and services. Under California law, you have the right to:

• Opt-out of marketing emails by clicking the unsubscribe link
• Request to be removed from our marketing call lists
• Limit the frequency of marketing communications

Contact us at privacy@gillkor.com to update your communication preferences.

13. Data Breaches

In accordance with California law, we will notify you of any data breach that may compromise your personal information within the timeframes required by law.

We maintain incident response procedures to quickly identify, contain, and remediate any security incidents.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notification to registered users
• Providing notice through our services

Changes become effective immediately upon posting unless otherwise specified.

15. California Residents: Your Rights Summary

As a California resident, you have comprehensive privacy rights including:

16. How to Exercise Your Rights

To exercise your California privacy rights, you may:

• Submit a request online through our contact form
• Call us at (559) 342-5300
• Email us at privacy@gillkor.com
• Mail us at the address listed in the contact section

We will verify your identity before processing your request and respond within the timeframes required by California law (typically 45 days, with possible 45-day extension).

You may designate an authorized agent to make requests on your behalf by providing written authorization.

17. Categories of Personal Information (CCPA)

Under the CCPA, we collect the following categories of personal information:

18. Cookie Policy

We use the following types of cookies:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for advertising and personalization
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your browser settings or our cookie consent banner.

19. International Data Transfers

Your information is primarily stored and processed in the United States. If we transfer your information outside of California or the United States, we will ensure appropriate safeguards are in place.

We comply with applicable data protection laws regarding international transfers.

20. Insurance Regulatory Compliance

As a California-licensed insurance agency, we comply with:

• California Department of Insurance regulations
• National Association of Insurance Commissioners (NAIC) guidelines
• Federal privacy laws applicable to insurance
• Industry best practices for data protection