Effective Date: 1/17/26

Calvo Insurance Agency ("Calvo Insurance," "we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, request insurance quotes, purchase or service insurance products, communicate with us, or otherwise interact with us (collectively, the "Services").

By using our Services, you acknowledge that you have read and understand this Privacy Policy.

We collect information necessary to provide insurance products and services, communicate with you, and comply with legal obligations.

Depending on how you interact with us, we may collect:

• Identifiers: Name, address, email address, phone number, date of birth
• Insurance Information: Property details, vehicle information, policy numbers, claims history, coverage selections
• Financial Information: Payment information, billing details (processed securely by third-party providers)
• Demographic Information: Age, marital status, household information, income range (when relevant for underwriting)
• Communications: Emails, phone calls, text messages, form submissions, and attachments

When you visit our website, we may automatically collect:

• IP address
• Browser type and device information
• Pages viewed and time spent on the site
• Cookies and similar tracking technologies

We may receive information from:

• Insurance carriers and underwriters
• Lead providers (when permitted by law)
• Data analytics and marketing partners
• Public databases

We use personal information for the following purposes:

• To provide insurance quotes, policies, and services
• To communicate with insurance carriers and underwriters
• To service and administer policies and claims
• To respond to inquiries and provide customer support
• To send marketing communications (email and SMS, where permitted)
• To comply with legal, regulatory, and licensing requirements
• To prevent fraud and enhance security
• To improve our website and Services

We do not sell your personal information. We may share your information with:

• Insurance Carriers & Underwriters: To quote, bind, and service policies
• Service Providers: CRM platforms, marketing tools, payment processors, and IT providers
• Regulatory Authorities: As required by law or licensing obligations
• Legal & Compliance Partners: When necessary to protect our rights or comply with legal processes

All third parties are required to protect your information and use it only for permitted purposes.

If you opt in to receive emails or SMS messages from us:

• Message and data rates may apply
• You may opt out at any time by following unsubscribe instructions or replying "STOP" to text messages
• We do not share SMS consent with third parties for their marketing purposes

We use cookies and similar technologies to:

• Operate and improve our website
• Analyze usage and performance
• Support marketing and advertising efforts

You may disable cookies through your browser settings, though some features may not function properly.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, or misuse. While we strive to protect your information, no system can be guaranteed 100% secure.

We retain personal information for as long as necessary to:

• Provide Services
• Maintain business and insurance records
• Comply with legal and regulatory requirements
• 
  

California residents have the right to:

• Know what personal information we collect and how it is used
• Request access to or deletion of personal information (subject to legal exceptions)
• Correct inaccurate personal information
• Opt out of the sale or sharing of personal information (we do not sell personal information)
• Not be discriminated against for exercising privacy rights

You may submit a privacy request by:

• Email: javier.cavlo3@gmail.com
• Phone: 951-698-4818

We will verify your request and respond in accordance with applicable law.

As an insurance agency, we comply with the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal information necessary to provide insurance products and services. We do not disclose nonpublic personal information except as permitted by law, including disclosures to insurance carriers, service providers, and regulators.

We maintain safeguards designed to protect the confidentiality and security of your information.

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

If you have questions about this Privacy Policy or our privacy practices, contact us at:

Calvo Insurance Agency
26690 Maddison Ave STE 105
Phone: (951)-698-4818
Email: javier.calvo3@gmail.com