Privacy Policy

Pozos Insurance Services LLC ("we," "us," or "our") operates the website https://pozosinsurance.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or contact us. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site.

1. Information We Collect

We may collect the following categories of personal information:

• Contact Information: name, email address, phone number, mailing address.
• Insurance Inquiry Data: type of coverage requested, vehicle or property details you voluntarily provide.
• Communications: messages you send through our contact or quote-request form.
• Usage Data: IP address, browser type, pages visited, referring URL, and time spent on pages (collected automatically via server logs or analytics tools).
• SMS/Text Consent: if you opt in to receive text messages, we record your consent, the date and time of opt-in, and the phone number provided.

2. How We Use Your Information

We use the information we collect to:

• Respond to your insurance inquiries and quote requests.
• Send you transactional communications (e.g., confirmation of your quote request).
• Send you SMS/text messages only if you have opted in (see Section 5).
• Improve the Site and our services.
• Comply with applicable laws and regulations.
• Prevent fraud and protect the security of our Site.

We do not sell your personal information to third parties.

3. How We Share Your Information

We may share your information with:

• Insurance Carriers and Partners: to obtain quotes or bind coverage on your behalf, with your knowledge.
• Service Providers: third-party vendors who assist us in operating the Site or conducting our business (e.g., email delivery, CRM), subject to confidentiality obligations.
• Legal Requirements: when required by law, court order, or governmental authority.
• Business Transfers: in connection with a merger, acquisition, or sale of assets.

4. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your experience. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Site may not function properly without cookies.

5. SMS / Text Message Communications

By providing your mobile phone number and checking the SMS consent box on our contact form, you expressly consent to receive text messages from Pozos Insurance Services LLC at the number provided. Message types may include: quote follow-ups, appointment reminders, and policy-related updates.

• Message Frequency: Message frequency varies based on your inquiry.
• Message & Data Rates: Standard message and data rates may apply.
• Opt-Out: You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. After opting out, you will receive one final confirmation message and no further texts will be sent.
• Help: Reply HELP to any text message for assistance, or contact us at [email protected] or (916) 485-9111.
• No Purchase Required: Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. SMS opt-in records are retained for a minimum of four (4) years in accordance with TCPA compliance best practices.

7. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, or sell.
• Request deletion of your personal information (subject to certain exceptions).
• Opt out of the sale of your personal information (we do not sell personal information).
• Non-discrimination for exercising your privacy rights.

To exercise these rights, contact us at [email protected] or (916) 485-9111. We will respond within 45 days.

8. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Effective Date" at the top of this page. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy, please contact us: