Privacy Policy

1. Information We Collect

We may collect the following categories of personal information:

Contact information: Name, email address, phone number, and mailing address.

Insurance-related information: Information about your household, business, health history, financial situation, and coverage needs, collected through intake surveys and consultations.

Usage information: Pages visited, time spent on the site, browser type, and IP address, collected automatically through standard web analytics.

Communications: Records of emails, calls, or messages you send to us.

We collect personal information directly from you, from insurance carriers and underwriters in connection with placing coverage, and automatically through your use of our website.

2. How We Use

Your Information We use your personal information only for the following purposes:

Evaluating your insurance needs and providing coverage recommendations.

Contacting you to schedule or follow up on strategy sessions. Communicating information about insurance products and services relevant to your situation.

Complying with legal and regulatory obligations under California and federal law.

Improving our website and services.

3. How We Share Your Information

We do not sell your personal information. We may share your information only in the following limited circumstances:

Insurance carriers and underwriters: When evaluating or placing coverage on your behalf, with your knowledge and consent.

Service providers: Third parties who assist in operating our website or business (such as Calendly for appointment scheduling), under written confidentiality agreements.

Legal compliance: When required by law, regulation, court order, or government authority.

Business transfers: In the event of a merger, acquisition, or sale of assets, your information may transfer to a successor entity subject to the same protections

4. Your Right to Opt Out of Information Sharing

Under the IIPPA, you have the right to opt out of having your personal information shared with unaffiliated third parties for purposes other than those directly related to your insurance transaction. To exercise this right, contact us using the information in Section 9. We will honor your request within 30 days.

Please note: opting out of certain sharing may limit our ability to evaluate or place coverage on your behalf.

5. Your California Privacy Rights

As a California resident, you have the following rights under the IIPPA and the California Consumer Privacy Act (CCPA):

Right to know: Request disclosure of the categories and specific pieces of personal information we have collected about you.

Right to access: Request a copy of the personal information we hold about you. Right to correct: Request correction of inaccurate personal information.

Right to delete: Request deletion of your personal information, subject to certain legal exceptions.

Right to opt out: Opt out of the sale or sharing of your personal information. We do not sell personal information.

Right to non-discrimination: We will not discriminate against you for exercising any of your privacy rights

To exercise any of these rights, contact us as described in Section 9. We will respond within 45 days as required by law. If we are unable to verify your identity, we may be unable to fulfill certain requests.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, or destruction. However, no method of transmission over the internet is completely secure.

7. Data Breach Notification

In the event of a data breach involving your unencrypted personal information, we will notify you as required under California Civil Code § 1798.82. Notification will be provided in the most expedient time possible and without unreasonable delay, consistent with the legitimate needs of law enforcement.

8. Cookies and Web Analytics

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. Under CalOPPA, we disclose that we honor "Do Not Track" signals where technically feasible. You may adjust your browser settings to refuse cookies, though some features of the site may not function properly as a result

9. Contact Us

To exercise your privacy rights, submit a request, or ask questions about this policy, contact: Calbridge Financial and Insurance Services

Whitney Young, MBA — Founder & Licensed Agent

Phone: (949) 424-3988

Website: www.calbridgeservices.net

10. Third-Party Links

Our website contains links to third-party sites including Calendly. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

11. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated by updating the "Last Updated" date above. Continued use of our website following any changes constitutes your acceptance of the updated policy.

CA License No. 4537946

Calbridge Financial and Insurance Services is licensed to transact insurance in the state of California. Verify our license at any time: www.insurance.ca.gov This document does not constitute legal advice. Calbridge recommends consulting a licensed attorney for guidance specific to your situation