Privacy Policy

Last Updated: 11/19/2024

1. Introduction

The Insurance Store ("we," "our," or "us") values and respects the privacy of all individuals who interact with us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you visit our website, engage with our services, or communicate with us.

By accessing our website or utilizing our services, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this policy, you should refrain from using our services.

2. Information We Collect
2.1 Personal Information You Provide

We collect personal information that you provide directly to us, including but not limited to:

  • Name
  • Contact Information: Email address, phone number, and mailing address
  • Insurance Policy Details: Information related to policies purchased or inquired about
  • Payment Details: Payment method information for transaction processing
2.2 Automatically Collected Information

When you access or use our services, we may collect certain information automatically, including but not limited to:

  • IP Address: For network management and fraud prevention
  • Device Information: Such as device type, operating system, and browser type
  • Usage Data: Information regarding your interaction with our website or services
2.3 Third-Party Information

We may receive additional information from third-party sources, including:

  • Public records
  • Service providers assisting in our operations
  • Business partners with whom you have interacted
3. How We Use Your Information

We may process the information collected about you for purposes including, but not limited to:

  • Service Provision: To deliver, manage, and maintain our services
  • Transaction Processing: To facilitate payments and process orders
  • Communication: To send service updates, marketing communications, and respond to inquiries
  • Service Improvement: To analyze usage patterns and improve our offerings
  • Compliance and Legal Obligations: To adhere to regulatory requirements or respond to lawful requests

We will only use your information for the purposes outlined above or other lawful purposes that are consistent with your expectations based on the context of your interactions with us.

4. Information Sharing and Disclosure

We will not sell, rent, or trade your personal information to third parties. However, we may share your information under the following circumstances:

4.1 Service Providers

We may share your information with trusted third-party service providers that perform functions on our behalf, such as payment processors, IT service providers, and marketing support services. These providers are contractually obligated to protect your data and use it solely for the services they perform for us.

4.2 Legal Compliance

We may disclose your information to government authorities or third parties when compelled by law, court order, or other legal processes, or if we believe such disclosure is necessary to protect our rights or the safety of others.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of the business assets.

5. Your Rights and Choices
5.1 Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

  • Right to Access: Request access to the personal information we hold about you.
  • Right to Rectify: Request corrections to inaccurate or incomplete personal information.
  • Right to Erase: Request the deletion of your personal information, subject to certain legal restrictions.
  • Right to Object: Object to the processing of your data for specific purposes, such as direct marketing.
  • Right to Data Portability: Receive your personal information in a structured, commonly used, and machine-readable format.
5.2 Choices

You have the option to opt-out of non-essential communications, such as marketing emails or SMS messages, by following the unsubscribe or opt-out instructions included in those messages.

6. Data Security

We take appropriate administrative, technical, and physical measures to safeguard your personal information against unauthorized access, alteration, disclosure, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet or method of electronic storage is 100% secure.

7. Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes by posting a revised policy on our website with an updated “Last Updated” date. Your continued use of our services constitutes your acceptance of the revised policy.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

The Insurance Store
41811 Ivy St. Ste B, Murrieta, CA 92562
Phone: 800-354-8535
Email: info@tisteam.com

9. SMS Marketing and Consent
9.1 Purpose of Collection

By providing your phone number and opting into SMS communications, you expressly consent to receive text messages from The Insurance Store, including but not limited to promotional offers, service updates, reminders, and other marketing-related content.

9.2 Consent and Opt-Out
  • Consent: You must provide explicit consent to receive SMS communications. Consent is not a condition of any purchase.
  • Opt-Out: You may withdraw your consent and opt out of receiving SMS communications at any time by replying “STOP” to any text message. Upon receipt of your opt-out request, we will process your request promptly and cease sending marketing SMS messages.
9.3 Data Usage and Sharing
  • No Sharing or Selling: We do not sell, rent, or share SMS opt-in data, phone numbers, or any other information provided for SMS purposes to third parties for any reason. Your phone number will solely be used for direct communications from The Insurance Store.
  • Purpose Limitation: SMS data is collected and used exclusively to deliver messages to you as described in this section.
9.4 Message Limits and Rates
  • Message Frequency: You will receive no more than 5 SMS messages per month.
  • Data Rates: Standard messaging and data rates may apply, depending on your mobile service provider.
10. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that a child under the age of 18 has provided us with personal information, we will take immediate steps to delete such information.

11. California Privacy Rights

Residents of California may have additional rights under the California Consumer Privacy Act (CCPA), including:

  • The right to request details about the categories and specific pieces of personal information we have collected about you.
  • The right to request deletion of your personal information, subject to certain exceptions.
  • The right to opt out of the sale of personal information.

For California residents wishing to exercise their CCPA rights, please contact us using the information in the “Contact Us” section above.