Privacy Policy

Privacy Policy
Last Updated: ______________________

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1. Introduction

Angela Gaeta Insurance(referred to as “the Company”, “we”, “us”, or “our”) is committed to protecting your privacy and handling your personal information in a safe and responsible manner. This Privacy Policy explains how we collect, use, disclose, and protect your information when you:

• Visit gaetainsurance.com (the “Website”);
• Use our products and services (the “Services”);
• Communicate with us via phone, email, SMS/MMS, or other channels.

This Privacy Policy is intended to comply with applicable data protection laws and regulations, which may include, where applicable, the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and relevant telecommunication and privacy standards.

By using the Website or Services, you acknowledge that you have read and understood this Privacy Policy.

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2. Scope

This Privacy Policy applies to all individuals who interact with our Website and Services, regardless of their location. It covers information collected:

• Online via our Website and any related web pages;
  
  
• Through SMS/MMS and other electronic communications;
  
  
• Through phone calls or other customer support interactions.
  
  

From time to time, you may be presented with additional or separate privacy notices (for example, for a specific product, campaign, or form). Those notices will supplement this Privacy Policy and will apply to the extent they differ from this document.

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3. Information We Collect

We may collect the following categories of information:

(a) Personal Information
Information that can be used to identify you as an individual, such as:

• Name:
• Contact Details: email address, postal address, telephone number, mobile number, and similar contact information;
• Billing and Payment Information (if applicable): limited payment details required to process transactions, handled in accordance with applicable payment security standards.
  
  

(b) Service and Usage Information
To operate, maintain, and improve our Website and Services, we may collect:

• IP address and general location information;
  
  
• Browser type, device type, operating system;
  
  
• Pages visited, time spent on pages, and clickstream data;
  
  
• Features or tools used within our Services;
  
  
• Call or messaging-related metadata (such as time, date, and duration) when you interact with us via phone or SMS/MMS.
  
  

(c) Communications Information
When you contact us or opt in to receive communications, we may collect:

• Email communications, form submissions, and related correspondence;
  
  
• SMS/MMS message content you send to us or we send to you;
  
  
• Preferences regarding how and when you wish to be contacted.
  
  

(d) Cookies and Tracking Technologies
We may use cookies, web beacons, pixels, and similar technologies to:

• Remember your preferences;
  
  
• Analyze Website traffic and usage;
  
  
• Improve performance and user experience;
  
  
• Support advertising or remarketing, where applicable and permitted by law.
  
  

You can manage your cookie settings through your browser or device settings, though disabling certain cookies may affect Website functionality.

(e) Aggregated or De-Identified Information
We may create aggregated or de-identified data from your information that cannot reasonably be used to identify you. We may use and share such data for analytics, research, and business purposes.

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4. How We Use Your Information

We use the information we collect for one or more of the following purposes:

(a) To Provide and Maintain the Services

• Create, manage, and maintain your account (if applicable);
  
  
• Deliver the products, quotes, or services you request;
  
  
• Respond to your inquiries, support requests, and other communications.
  
  

(b) To Improve and Personalize Your Experience

• Analyze how you use the Website and Services;
  
  
• Develop new features, products, or offerings;
  
  
• Customize content, recommendations, and communications based on your interactions and preferences.
  
  

(c) Marketing and Promotions (Where Permitted by Law)

• Send you information about products, services, offers, or promotions that may be of interest;
  
  
• Conduct marketing campaigns via email, SMS/MMS, or other permitted channels;
  
  
• Measure the effectiveness of marketing campaigns and refine them over time.
  
  

Where required by law, we will obtain your explicit consent before sending marketing communications and you may opt out at any time as described in Section 8.

(d) SMS/MMS Messaging and Telephony
If you provide your mobile number and consent to receive SMS/MMS messages, we may use your information to:

• Send you information related to quotes, policy information, reminders, follow-ups, account notifications, and/or promotional offers (as applicable to your consent);
• Confirm appointments or follow up on requests you submit;
• Respond to your messages and provide customer support.
  
  

(e) Legal, Compliance, and Security

• Comply with applicable laws, regulations, and legal processes;
• Enforce our Terms & Conditions and other agreements;
• Detect, investigate, and prevent fraud, security incidents, and other harmful or unlawful activity;
  Protect the rights, property, and safety of Angela Gaeta Insurance, our users, and the public.
  
  

5. Legal Bases for Processing (Where Applicable)
   
   

Where required (for example, under GDPR), we rely on one or more of the following legal bases to process your personal information:

• Your consent;
  
  
• Performance of a contract with you or to take steps at your request before entering into a contract;
  
  
• Compliance with legal obligations;
  
  
• Our legitimate interests (such as improving our services, marketing to existing customers where permitted, preventing fraud, and ensuring security), balanced against your rights and freedoms.
  
  

6. SMS/MMS Messaging and Express Consent
   
   

(a) Express Written Consent
For certain types of communications (e.g., marketing or automated messages), we may require your express written consent. This generally means you agree, in a clear and conspicuous way, to receive messages at the phone number you provide, and you understand that consent is not a condition of purchase.

(b) Types of Messages
By opting in, you may receive SMS/MMS messages related to:

• Angela Gaeta Insurance(e.g., quotes, policy information, reminders, follow-ups, account notifications, promotional offers, and other service-related communications).
  
  

(c) Message Frequency
Message frequency may vary based on your interactions with us, but we generally anticipate:

• 10 messages per month (or “message frequency varies,” if applicable).
  
  

(d) Charges and Rates
Carrier message and data rates may apply. You are responsible for any charges billed by your mobile carrier.

(e) Help and Support
For help regarding SMS/MMS messages, you may:

• Reply HELP to any message, or
  
  
• Contact us at: agaeta@farmersagent.com  (support email)
  
  

(f) Opt-Out Instructions
You can opt out of SMS/MMS messages at any time by replying STOP (or any other recognized opt-out keyword) to a message you receive from us. Once you opt out, we will cease SMS/MMS communications to that number, except for messages confirming your opt-out, as permitted by law.

(g) Confidentiality of Phone Numbers
Phone numbers provided for SMS/MMS opt-in will remain confidential and will not be sold or shared with third parties for their own marketing purposes. They may be shared with service providers who assist us in delivering messages, subject to appropriate contractual safeguards.

7. How We Share Your Information
   
   

We may share your information with the following categories of recipients:

(a) Service Providers and Vendors
We may share information with trusted third parties who perform services on our behalf, such as:

• Hosting and infrastructure providers;
  
  
• Customer support tools;
  
  
• SMS/MMS and telephony providers;
  
  
• Payment processors;
  
  
• Analytics and marketing platforms.
  
  

These third parties are authorized to use your information only as necessary to provide services to us and are required to protect your information in accordance with applicable laws and contractual obligations.

(b) Business Partners (If Applicable)
In some cases, we may collaborate with business partners (for example, insurance carriers, agencies, or referral partners) to offer products or services. Where applicable, information may be shared to fulfill your requests or provide services, subject to appropriate privacy and security safeguards.

(c) Legal and Regulatory Requirements
We may disclose information when we believe such disclosure is:

• Required by law, regulation, or legal process;
  
  
• Necessary to respond to lawful requests by public authorities;
  
  
• Appropriate to enforce our agreements, protect our operations, or protect the rights, privacy, safety, or property of us, you, or others.
  
  

(d) Business Transfers
In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of the business transaction. We will take reasonable steps to ensure the recipient continues to protect your information consistent with this Privacy Policy.

(e) No Sale of Personal Information (If Applicable)
We do not sell your personal information to third parties for their own marketing purposes.
[If your practices differ, replace this sentence with a clear description of any “sale” of data and applicable opt-out rights.]

8. Your Rights and Choices
   
   

Depending on your location and applicable law, you may have some or all of the following rights regarding your personal information:

(a) Access and Correction
You may request:

• Confirmation of whether we process your personal information;
  
  
• A copy of the personal information we hold about you;
  
  
• Corrections or updates to inaccurate or incomplete information.
  
  

Requests can be submitted using the contact details in Section 12.

(b) Deletion
You may request that we delete your personal information, subject to certain legal exceptions (such as when we must retain information for legal, accounting, or security purposes).

(c) Marketing Preferences
You can opt out of marketing emails by clicking the “unsubscribe” link in any such email or by contacting us directly. You can opt out of SMS/MMS marketing as described in Section 6(f).

Even if you opt out of marketing communications, we may still send you non-marketing messages related to your account, transactions, or service-related issues.

(d) Do Not Track / Cookies
You can manage cookies and tracking technologies via your browser settings or any cookie banner offered on the Website. “Do Not Track” signals from browsers may not be consistently recognized, but you can use other controls (such as cookie settings) to manage tracking.

(e) Additional Rights (GDPR/CCPA and Others)
Depending on your jurisdiction, you may also have rights to:

• Object to or restrict certain types of processing;
  
  
• Request data portability;
  
  
• Not be discriminated against for exercising your privacy rights;
  
  
• Lodge a complaint with a supervisory or regulatory authority.
  
  

We will respond to your requests in accordance with applicable law.

9. Data Security and Retention
   
   

(a) Security Measures
We implement reasonable and appropriate technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures may include:

• Encryption of data in transit and/or at rest;
  
  
• Access controls and authentication;
  
  
• Regular security assessments and monitoring;
  
  
• Employee training on data protection and security practices.
  
  

No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

(b) Data Retention
We retain your personal information for as long as reasonably necessary to:

• Provide the Services;
  
  
• Fulfill the purposes described in this Privacy Policy;
  
  
• Comply with legal, regulatory, or contractual obligations;
  
  
• Resolve disputes and enforce our agreements.
  
  

When personal information is no longer needed, we will delete, anonymize, or securely store it in accordance with our data retention policies and applicable law.

10. International Data Transfers
    
    

Your information may be transferred to and processed in countries other than your own, including countries that may have different data protection laws than your jurisdiction.

Where required, we will ensure that appropriate safeguards are in place (such as standard contractual clauses or other approved mechanisms) to protect your personal information when it is transferred internationally.

11. Children’s Privacy
    
    

The Website and Services are not directed to children under the age of eighteen, and we do not knowingly collect personal information from children below that age.

If we become aware that we have collected personal information from a child under the applicable minimum age, we will take reasonable steps to delete that information. If you believe a child has provided us with personal information, please contact us using the details in Section 12.

12. Changes to This Privacy Policy
    
    

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.

When we make material changes, we will:

• Update the “Last Updated” date at the top of this page; and
  
  
• Provide additional notice as required by law (such as a prominent notice on the Website or a direct communication).
  
  

Your continued use of the Website or Services after any changes to this Privacy Policy constitutes your acknowledgment of the updated policy.

13. Contact Information
    
    

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, you may contact us at:

Company Name: Angela Gaeta Insurance
Mailing Address: 6671 Blue Oaks Blvd, Ste 3b Rocklin, CA 9576

Phone: (916) 957-1608

Email: agaeta@farmersagent.com
Website: gaetainsurance.com

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If you believe your privacy rights have not been respected, you may also have the right to lodge a complaint with your local data protection or consumer protection authority, in addition to contacting us directly.