Privacy Policy

Pacific Haven Insurance Solutions

Last Updated: September 26, 2025

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, address, phone number, email address
• Insurance Information: Current insurance details, coverage history, claims history
• Demographic Information: Age, date of birth, gender, marital status
• Financial Information: Credit score, income information (when relevant to insurance underwriting)
• Property Information: Details about your home, vehicle, or other insured property
• Driver Information: Driver's license number, driving record, vehicle registration
• Payment Information: Credit card details, banking information for premium payments

Automatically Collected Information

When you visit our website, we automatically collect:

• Technical Information: IP address, browser type, operating system, device information
• Usage Information: Pages visited, time spent on site, referral sources
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies
• Location Information: General geographic location based on IP address

2. How We Collect Information

• Direct Collection: Information you provide when requesting quotes, filling out forms, or contacting us
• Website Interactions: Information collected through your use of our website and online tools
• Phone Communications: Information collected during phone consultations and calls
• Third-Party Sources: Information from insurance companies, credit reporting agencies, motor vehicle records, and other relevant sources
• Public Records: Information from publicly available sources when relevant to insurance services

3. How We Use Your Information

Primary Uses

• Insurance Services: Providing quotes, policy recommendations, and insurance coverage
• Customer Service: Responding to inquiries, providing support, and managing your account
• Policy Management: Processing applications, managing policies, handling claims
• Legal Compliance: Meeting regulatory requirements and legal obligations

Secondary Uses

• Marketing: Sending information about insurance products and services that may interest you
• Website Improvement: Analyzing website usage to improve user experience
• Business Operations: Internal business purposes, analytics, and performance measurement
• Fraud Prevention: Detecting and preventing fraudulent activities

4. Information Sharing and Disclosure

We Share Information With:

• Insurance Companies: Carriers and underwriters for quote generation and policy placement
• Service Providers: Third-party vendors who assist with our business operations
• Legal Requirements: Government agencies and legal authorities when required by law
• Business Partners: Affiliated agents and brokers who may assist with your insurance needs

We Do Not Share Information:

• For marketing purposes without your consent
• With unaffiliated third parties for their own marketing purposes
• In ways that are inconsistent with this Privacy Policy

5. Marketing Communications

Opt-Out Options

• Email: Click "unsubscribe" links in our emails
• Text Messages: Reply "STOP" to text messages
• Phone: Request to be placed on our do-not-call list
• Mail: Contact us to opt out of postal communications

6. Call Recording and Monitoring

All telephone communications with Pacific Haven Insurance Solutions may be recorded or monitored for quality assurance, training, and compliance purposes. By calling us, you consent to such recording and monitoring. Recordings may be stored for an indefinite period and used for business analysis and improvement.

7. Data Security

We implement appropriate technical, administrative, and physical security measures to protect your personal information, including:

• Encryption of sensitive data during transmission
• Secure data storage systems
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

8. Cookies and Tracking Technologies

Types of Cookies We Use:

• Essential Cookies: Necessary for website functionality
• Performance Cookies: Help us understand how visitors use our site
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements

Managing Cookies

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

9. Third-Party Services

Our website may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

Analytics Services

We use Google Analytics to analyze website usage. Google Analytics uses cookies to collect information about your use of our website. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

10. Children's Privacy

Our services are not directed to 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 promptly.

11. California Privacy Rights

California Consumer Privacy Act (CCPA)

California residents have specific rights regarding their personal information:

• Right to Know: Request information about personal information we collect, use, and share
• Right to Delete: Request deletion of personal information we have collected
• Right to Opt-Out: Opt out of the sale of personal information
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising privacy rights

Do Not Sell My Personal Information

We do not sell personal information as defined by the CCPA. If our practices change, we will update this policy and provide appropriate notices.

12. Data Retention

We retain personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Meet regulatory requirements for insurance records

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will:

• Post the updated policy on our website
• Update the "Last Updated" date
• Notify you of significant changes via email or website notice

14. Your Rights and Choices

You have the right to:

• Access the personal information we have about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications
• File a complaint with relevant regulatory authorities

15. Contact Information