CCalvo InsuranceCalifornia

Privacy Policy for Calvo Insurance Agency

Effective date: Oct 25, 2026

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

Calvo Insurance Agency ("we," "us," or "our") DOES NOT share customer opt-in information, including phone numbers and consent records, with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to providing our direct services. All text messaging originator opt-in data is kept strictly confidential.

1. Information We Collect

We collect the following types of information:

Information You Provide

  • Contact details such as your name, email address, phone number and mailing address
  • Information you enter in our quote request form, such as your business name, type of business, number of employees, city or ZIP code, the coverage you are interested in and the best time to call
  • Records of your consent to receive text messages, where you have given it

Information Collected Automatically

  • IP address, browser type, device information
  • Website usage patterns and analytics
  • Cookies and similar technologies
  • Details of calls to the phone numbers shown on our website (see Section 6)

Customer Communication

  • Records of inquiries and service requests
  • Appointment details and preferences
  • Service history and feedback

2. How We Use Your Information

We use collected data for:

  • Preparing insurance quotes and responding to your requests
  • Providing and improving our services
  • Communicating with you about your inquiries, quotes, appointments and, if you agree, promotions
  • Enhancing website functionality and user experience
  • Measuring which pages and advertising lead to calls and quote requests
  • Ensuring security and fraud prevention
  • Maintaining records of your communication preferences and consent

3. SMS Messaging & Compliance

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates. Submitting a quote request on our website does not, by itself, sign you up for text messages.

Opt-In & Consent

  • You will only receive messages if you have explicitly opted in
  • We keep records of opt-in consent
  • We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-Out Instructions

  • You can cancel SMS notifications at any time by replying "STOP"
  • You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
  • All opt-out requests are processed immediately

Message Frequency & Content

  • Message frequency varies based on your interactions with our business
  • Messages will be directly related to the services you have requested
  • We do not send promotional content without specific consent

Help & Support

  • Reply "HELP" for assistance or contact us at jcalvo@farmersagent.com
  • Customer support is available during regular business hours

Carrier Information

  • Standard message and data rates may apply
  • Carriers are not liable for delayed or undelivered messages
  • Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

4. Information Sharing & Disclosure

We do not sell, rent, or trade personal information. We may share information with:

Insurance Companies

  • Insurance companies we work with, when needed to prepare a quote or provide coverage you request

Service Providers

  • Vendors who help us run our website and business, such as website hosting and secure data storage, email delivery, customer relationship management (CRM) tools, call tracking and website analytics
  • SMS aggregators and providers solely for the purpose of delivering messages you've consented to receive
  • We share only the information each service provider needs, and they are required to keep it confidential and secure

Legal Compliance

  • If required by law, legal process, or to protect our rights
  • In response to valid law enforcement requests or court orders

Business Transfers

  • In case of mergers, acquisitions, or sale of assets
  • In such cases, your data remains protected under the terms of this policy

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

5. Data Security

We use reasonable administrative, technical and physical safeguards to protect your personal information, including:

  • Encryption of data sent to and from our website (HTTPS)
  • Access-restricted storage for quote requests
  • Access to personal information limited to staff and service providers who need it
  • Notification of security breaches as required by law

Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.

6. Cookies, Analytics & Website Tools

We use cookies and similar technologies to:

  • Analyze site traffic and user behavior
  • Remember your preferences
  • Improve website functionality and user experience
  • Measure the effectiveness of our services

Google Analytics

We use Google Analytics to understand how visitors use our website. It uses cookies to collect information such as the pages you visit, how long you stay and your general location. You can opt out with the Google Analytics Opt-out Browser Add-on.

Call Tracking

We use CallRail to measure which pages and ads lead to phone calls. CallRail may show a different phone number on our website for each visit and records details of calls to those numbers, such as the calling number, the date, time and length of the call, and the page that led to it. If a call is recorded, you will be told at the start of the call.

Quote Requests

When you submit our quote request form, your information is stored in a secure, access-restricted database, emailed to our agency staff and added to our customer relationship management system so a licensed agent can prepare your quote and contact you.

Videos and Reviews

Some pages include videos from our YouTube channel. A video loads only when you choose to play it, and YouTube (Google) may then collect information as described in Google's Privacy Policy. Reviews shown on our website come from our Google Business Profile; reviewers' profile photos are loaded from Google's servers.

You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

7. Your Rights & Choices

You have the right to:

  • Access, update, or delete your personal information
  • Opt out of marketing emails by using the unsubscribe link in those emails
  • Opt out of SMS messages by replying "STOP"
  • Request information on how we process your data
  • Withdraw consent at any time for future communications

To exercise these rights, please contact us using the information in Section 12.

8. Your California Privacy Rights

  • Do Not Track: Our website does not respond to browser "Do Not Track" signals. Third parties such as Google Analytics may collect information about your online activity over time and across websites, as described in Section 6.
  • Shine the Light: We do not share personal information with third parties for their own direct marketing purposes.
  • Insurance information: Information you provide to apply for or obtain insurance is also protected by California's Insurance Information and Privacy Protection Act and by the privacy notice of the insurance company that issues your policy.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by Calvo Insurance Agency.

10. Changes to This Privacy Policy

We may update this policy periodically. The latest version will always be available on this page with its effective date. For significant changes, we may also post a notice on our website.

11. Language

This Privacy Policy is available in English and Spanish. If there is any difference between the two versions, the English version controls.

12. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us at:

By using our website and services, you consent to this Privacy Policy.