Effective Date: November 25, 2025

This Privacy Policy explains how Luis Cortez-Avila Insurance Agency (“we,” “us,” “our”) collects, uses, and protects personal information of visitors and customers who use our website cortezinsuranceagency.com and our insurance services.

By using our website or providing your information to us, you agree to the practices described in this Privacy Policy.

1. Who We Are

Luis Cortez-Avila Insurance Agency is an insurance agency based in California. We provide insurance-related services such as quotes, policy assistance, and customer support for individuals and families.

This Privacy Policy applies to:

• Our website: cortezinsuranceagency.com
• Information you provide through online forms, email, phone, or text message

2. Information We Collect

We only collect information that is reasonably necessary to provide insurance services, process quotes, and respond to your requests.

2.1 Information You Provide Directly

When you request a quote, contact us, or use our services, we may collect:

• Name
• Mailing address and property address
• Email address
• Phone number
• Date of birth
• Driver’s license information
• Vehicle information (e.g., year, make, model, VIN)
• Property details (e.g., year built, construction type, square footage, usage)
• Current or prior insurance information
• Claims and loss history
• Mortgage or lender information (for property insurance)

We generally do not collect Social Security Numbers through our website. If needed for underwriting, this information is collected through secure carrier or third-party platforms, not via general web forms.

2.2 Information Collected Automatically

When you visit our website, certain technical information may be collected automatically, such as:

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent on the site
• Referring website or link
• This information is used to maintain, secure, and improve our website.

3. How We Use Your Information

We use the information we collect for legitimate business purposes, including:

• Providing insurance quotes and coverage options
• Submitting applications to insurance carriers
• Servicing existing policies and responding to questions
• Sending appointment reminders, follow-ups, or service updates
• Providing billing or document reminders related to your policies
• Maintaining internal records and complying with legal/regulatory requirements
• Improving our website and customer experience
• We do not sell your personal information.

4. How We Share Your Information

We may share your information only as needed to provide insurance services or as required by law. This may include sharing with:

• Insurance carriers and underwriting platforms
• Third-party service providers who help us with quoting, document management, or communication (for example, email or text messaging systems)
• Mortgagees or lienholders when required to list them on a policy
• Government agencies or regulators, when required by law or to respond to lawful requests
• These third parties are expected to use your information only for the purpose of providing contracted services and to protect it in accordance with applicable laws.
• We do not share your information with unrelated third parties for their own marketing purposes.

5. Text Messages and Phone Communications

If you provide your phone number and request contact, quotes, or policy information, you may receive calls or text messages related to:

• Quotes and applications
• Policy changes or renewals
• Appointment confirmations and reminders
• Billing or document reminders
• General customer service

Standard message and data rates may apply.
You can opt out of text messages at any time by replying STOP.
Consent to receive text messages is not a condition of purchasing insurance.

For more detail, please review our separate SMS/Text Message Terms & Conditions.

6. Cookies and Website Analytics

Our website may use cookies or similar technologies to:

• Help the site function properly
• Understand general usage patterns
• Improve user experience

Cookies are small files stored on your device. You can adjust your browser settings to block or delete cookies; however, some features of the site may not function correctly if cookies are disabled.

We do not use cookies to sell your personal information.

7. Your Privacy Rights (California Residents)

If you are a California resident, you may have certain rights under California law (including CCPA/CPRA), such as:

• Right to know what categories of personal information we collect and how we use it
• Right to request access to personal information we hold about you
• Right to request correction of inaccurate personal information
• Right to request deletion of personal information, subject to legal and business record-keeping requirements
• Right to be free from discrimination for exercising your privacy rights

We do not sell personal information, so a “Do Not Sell My Personal Information” link is not required at this time.

To exercise your rights, please contact us using the details in the Contact Us section below. We may need to verify your identity before responding to your request.

8. Data Security

We take reasonable administrative, technical, and physical measures to protect the personal information we hold from unauthorized access, use, or disclosure.

However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security. Please avoid sending highly sensitive information via unencrypted email.

9. Data Retention

We retain personal information for as long as reasonably necessary to:

• Provide insurance services and maintain records of quotes and policies
• Comply with legal, regulatory, and record-keeping obligations
• Resolve disputes and enforce agreements

When information is no longer required, we will securely delete or anonymize it in accordance with applicable laws and our internal policies.

10. Children’s Privacy

Our website and services are not directed to children under 13 years of age. We do not knowingly collect personal information from anyone under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete it as required by law.

11. Third-Party Websites

Our website may contain links to third-party websites, such as insurance carriers or service providers. We are not responsible for the privacy practices or content of those external sites. We encourage you to review their privacy policies before providing personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Effective Date” at the top of this page. Your continued use of our website or services after changes are posted means you accept the updated policy.

13. Contact Us

If you have questions about this Privacy Policy, your personal information, or your privacy rights, please contact us:

Luis Cortez-Avila Insurance Agency
Phone: (909) 363-1630
Website: www.cortezinsuranceagency.com