Privacy Policy

Pacific Haven Insurance Solutions is a DBA of Rizwan Shaikh Insurance Solutions LLC | Effective Date: March 30, 2026

1. Information We Collect & Use Internally

We collect and use your personal information ourselves to facilitate the insurance services you request. We do not sell your data to outside brokers.

A. Personal Information

• Identity: Name, address, phone, and email.
• Risk Details: Coverage history, claims, property/vehicle info.
• Underwriting Data: Age, gender, financial income, and driver’s license information.

B. Sensitive Personal Information

Sensitive data (such as driver’s records or financial history) is collected strictly for underwriting, fraud prevention, and policy issuance. This information is used only for purposes necessary to provide insurance services, including underwriting, policy issuance, fraud prevention, and legal compliance. We do not use or disclose sensitive personal information for unrelated purposes.

C. Third-Party Tracking & Advertising Cookies

2. How We Handle Your Data

• No Sale of Data:We do not sell, rent, or trade your personal information to any third-party marketers, data brokers, or aggregators.
• Carrier Sharing: We share your information with licensed insurance carriers only to obtain the specific quotes you have requested.
• Service Providers:We use secure partners (like AWS SES) for transactional emails. These partners are legally restricted from using your data for any other purpose.

3. Communications & SMS Consent

4. Your Rights (California CCPA/CPRA)

Because we use your data internally to provide services and do not sell it, you have the following rights under California law:

• Right to Know: Request a summary of the data we have collected about you.
• Right to Delete: Request deletion of your data (subject to California's 7-year record retention laws for insurance).
• Right to Correct: Request updates to inaccurate records.
• Right to Opt-Out of Sharing: You may request that we do not share your personal information for cross-context behavioral advertising purposes.
• Right to Limit Sensitive Data Use: You may request that we limit our use of your sensitive personal information to only what is necessary to provide our services.

To exercise any of these rights, email privacy@pacifichaveninsurance.com. We will verify your identity before processing any requests and respond within 45 days as required by California law.

5. Security & Retention

We use SSL encryption, secure access controls, and industry-standard security practices to protect your personal information. Per California insurance regulations, we retain records for a minimum of 7 years to comply with legal and audit requirements. In the event of a data breach that affects your personal information, we will notify you as required by California Civil Code §1798.82.

Children's Privacy: Our services are intended for individuals 18 years of age and older. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at privacy@pacifichaveninsurance.com.

6. Do Not Track Signals

Some web browsers provide a “Do Not Track” feature that signals websites not to track users. At this time, our website does not respond to Do Not Track browser signals. We continue to review new technologies and may update our policy as a standard for responding to these signals is established.

7. Contact Us

Version History

Version	Date	Change Summary
2.2	March 30, 2026	Clarified internal data usage (No Sale), added SMS stop terms, and Google Ads tracking disclosures.
1.1	Dec 17, 2025	Initial policy release and contact details update.