Privacy Policy

Effective Date: January 1st, 2026

1. Overview

Munoz Ghezlan Insurance LLC ("we," "us," "our") is committed to protecting your privacy and ensuring you have a secure experience on our website and when purchasing our insurance products. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and insurance information.

2. Information We Collect

Personal and Insurance Information:

• Name, email address, phone number, and physical address
• Social Security Number (for identity verification and insurance purposes)
• Driver's license information and driving history
• Property details, valuations, and property insurance claims history
• Vehicle information and accident history
• Health information (for life insurance applications)
• Payment information and financial account details (processed securely through third-party payment processors)
• Insurance claims and loss history
• Communication records with our team

Non-Personal Information:

• IP address, browser type, operating system, and device information
• Website usage patterns, page views, and analytics
• Cookies and similar tracking technologies
• Referral source and marketing campaign attribution

3. How We Use Your Information

We use the information we collect to process insurance applications and quote requests, underwrite policies, manage customer accounts and billing, process claims, send policy documents and updates, communicate with customers about their coverage, provide customer support and service, improve our website and services, prevent fraud and unauthorized access, ensure legal and regulatory compliance, and respond to inquiries and legal requests.

4. Information Sharing and Disclosure

We do not sell, trade, or share your personal insurance information with third parties for marketing purposes. However, we may share information with authorized insurance carriers to process applications and administer policies, insurance agents and brokers, claims adjusters and investigators, consumer reporting agencies (for underwriting purposes), and service providers who assist with operations (payment processors, hosting providers) under strict confidentiality agreements. We may also disclose information when required by law, court order, insurance regulators, or government agencies.

5. Data Security

Munoz Ghezlan implements industry-standard security measures to protect your personal and insurance information from unauthorized access, alteration, disclosure, and destruction. We use SSL encryption for all sensitive data transmissions, maintain restricted access to customer information, and conduct regular security assessments. However, no method of transmission over the Internet is 100% secure.

6. Credit and Background Checks

Munoz Ghezlan may conduct consumer reports and background checks for underwriting purposes as permitted by law. Soft inquiries may be made that do not impact credit scores, or with your consent, hard inquiries may be conducted. We comply with all Fair Credit Reporting Act (FCRA) requirements and will provide adverse action notices if your application is denied based on information in your consumer report.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to analyze site traffic, remember user preferences, improve user experience, and track marketing campaign effectiveness. You can control cookies through your browser settings. Disabling cookies may limit functionality on our website.

8. Third-Party Links

Our website may contain links to third-party websites and services. We are not responsible for their privacy practices, security measures, or content. We encourage you to review their privacy policies before providing any personal information.

9. Your Rights and Choices

You have the right to access, correct, or request deletion of your personal information by contacting us. You can opt out of non-essential marketing communications at any time. Under state insurance laws, you have the right to request your insurance file. California and other state residents may have additional rights under consumer privacy laws including the California Consumer Privacy Act (CCPA).

10. Children's Privacy

Our website and services are not intended for individuals under 18 years old. We do not knowingly collect personal information from minors. If we discover we have collected information from a minor, we will delete it promptly. Insurance applicants must be at least 18 years of age.

11. Fair Insurance Practices

Munoz Ghezlan is committed to fair insurance practices and compliance with all applicable fair lending and insurance regulations. We do not discriminate based on race, color, religion, sex, national origin, age, familial status, disability, sexual orientation, or any other protected characteristic.

12. Data Retention

We retain your personal and insurance information in accordance with applicable state insurance laws and regulations. Insurance documents and related information are typically retained for the duration of the policy relationship plus a minimum of 5-7 years after policy termination. You may request deletion of information that is no longer needed for insurance purposes, subject to legal and regulatory requirements.

13. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. The latest version will always be available on our website with the effective date clearly marked. We will notify you of significant changes via email or prominent website notice.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your information, please contact us:

Last Updated: January 1st, 2026