PRIVACY POLICY / NOTICE TO CALIFORNIA CONSUMERS
Andreini & Company (the “Company”) has developed this California Privacy Policy out of respect for the privacy of our customers and visitors to our website. This policy describes the personal information we collect, use, and disclose about individual customers and website visitors who are California residents. This policy applies only to California residents who are natural persons; it does not apply to any entities (whether business, non-profit or governmental) or to any person who is not a California resident.
You are granting us permission to share your private information as outlined herein with insurance companies for the sole purpose of obtaining insurance quotes and policies on your behalf. If you desire the names of these insurance companies, please ask us.
The Company may collect the following categories of personal information about you based on your specific transactions and interactions with the Company or its website. For each category of information, the categories of third parties with whom we have shared the information in the last 12 months are referenced by a letter that coincides with the letter in the list that immediately follows below in this policy.
| Category | Examples | Shared in Last 12 Months with |
| Personal Identifiers & Contact Information | Name, alias, email address, social security number, driver’s license number, date of birth, Motor Vehicle Records, personal health information | A,B,C,D,E,F,G |
| Protected Classifications | Gender and marital status | A,B,C,D,E,F,G |
| Financial | Credit Card or EFT information for insurance premiums, mortgage loan numbers | A,C,F |
The Company may share your personal information with the following categories of service providers or third-parties depending on your transactions or interactions with the Company:
- Premium Financing Companies
- Government agencies
- Insurance Companies & Claims administrators
- Appraisers, auditors, loss control consultants, inspectors and other insurance support services
- Affiliates or third parties for the purpose of conducting an audit of the services provided
- Lienholders, mortgagees or other persons or entities with a legal or beneficial interest
- Persons, Law Firms or Government agencies when lawfully entitled pursuant to a subpoena or court order
The Company may use your personal information and share it with various service providers and third parties for the following business purposes:
- To process and submit information for obtaining insurance policies.
- To process, complete, and maintain records on transactions.
- To schedule, manage and keep track of customer appointments.
- To complete property appraisals of customer’s properties.
- To maintain records of when customers decline a service or sale.
- To respond to consumer inquiries, including request for information, customer support online, phone calls.
- To detect security incidents.
- To debug, identify, and repair errors that impair existing intended functionality of our website.
- To improve user experience on our website
- To protect against malicious or illegal activity and prosecute those responsible.
- To verify and respond to consumer requests.
- To prevent identity theft.
The Company may collect your personal information from the following sources:
- You the consumer
- Referral sources and Lead Generators
- Credit and consumer reporting agencies
The Company does NOT and will not sell your personal information in exchange for monetary consideration.
However, we may provide some of your information to third parties for the purpose of obtaining insurance policies only.
Other than what is needed to obtain insurance policies we do not and will not disclose your personal information to any third party in exchange for monetary or other valuable consideration
Notice of Right to Opt-Out of Sale of Your Information
| While the Company does not sell your personal information in exchange for money, we may share your personal information only for the purpose in the obtaining insurance policies as described above. This is the only circumstance where your personal information may be disclosed.
You have the right to tell the Company NOT to sell your personal information. You have full and free right to opt-out of the Company’s disclosure of your personal information to any third parties where the disclosure constitutes a “sale” as defined by the California Consumer Privacy Act. You may exercise your right to opt-out without fear of discrimination for doing so. However, by opting-out, we will not be able to provide an insurance quote or an insurance policy for you. To opt-out of the Company’s selling of your information, meaning, the Company will not disclose your information to third parties for any monetary or other valuable consideration, you can do any of the following:
You can have an Authorized Agent submit a request on your behalf, if you both come into a Company location and provide proof of identity with a driver’s license or other government-issued ID and provide your consent via mail-in form for the Authorized Agent to complete your verifiable consumer request. To submit an opt-out through use of an authorized agent you must provide that agent with written permission to submit an opt-out on your behalf. The Company maintains the right to deny any request from an authorized agent that does not submit sufficient proof that they have been authorized by you to act on your behalf. A request to opt-out need not be a verifiable consumer request. However, we may deny a request to opt-out if we have a good faith, reasonable, and documented belief that a request to opt-out is fraudulent. If we deny your request to opt-out, we shall inform you of our decision not to comply and provide an explanation as to why we believe the request is fraudulent. |
Third-party vendors
The Company may use other companies and individuals to perform certain functions on our behalf. Examples include claims management, property appraisals, auditors, loss control consultants, inspectors, and other insurance support services. Such parties only have access to the personal information needed to perform these functions and may not use or store the information for any other purpose. Subscribers or site visitors will never receive unsolicited e-mail messages from vendors working on our behalf.
Business transfers:
In the event the Company sells or transfers a particular portion of its business assets, consumer information may be one of the business assets transferred as part of the transaction. If substantially all of the assets of the Company are acquired, consumer information may be transferred as part of the acquisition.
Compliance with law/safety:
The Company may disclose specific personal information based on a good faith belief that such disclosure is necessary to comply with or conform to the law or that such disclosure is necessary to protect the users of our Website, the site itself, or the public.
Use of cookies and other tracking technologies
Cookies are small files that a website may transfer to a user’s computer that reside there for either the duration of the browsing session (session cookies) or on a permanent (until deleted) basis (persistent cookies). We make use of cookies under the following circumstance and for the following reason:
- Provide you a means to navigate the website and to enable you to use some of its features
Do Not Track (DNT) is a privacy preference that users can set if they do not want web services to collect information about their online activity. However, there is currently no universal standard for sending and receiving DNT signals. Due to this lack of universal standard, it would be impossible for us to promise that we comply with all known and unknown DNT standards.
Therefore, we do not respond to DNT signals or other mechanisms that provide a choice regarding the collection of personal information about activities over time and across different Web sites or online services. If a universal standard for DNT becomes available, we may revisit our DNT Policy.
External links:
Our website contain links to other sites. The Company is not responsible for the privacy practices or the content of such websites. To help ensure the protection of your privacy, we recommend that you review the privacy policy of any site you visit via a link from our website.
Children under the age of 16
Our website is not intended for children under 16 years of age. No one under age 16 may provide any personal information on the website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on our website. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at the email address below.
How we protect the information that we collect
The protection of the information that we collect about visitors to this website is of the utmost importance to us and we take every reasonable measure to ensure that protection, including:
- We keep automatically collected data and voluntarily collected data separate at all times.
- We use internal encryption on all data stores that house voluntarily captured data.
- We use commercially reasonable tools and techniques to protect against unauthorized access to our systems.
- We restrict access to private information to those who need such access in the course of their duties for us.
Your Rights as a California Consumer:
If you are a California resident, you have the following rights:
- Right to Know. The right to request, up to 2 times in a 12-month period, that we identify to you (1) the categories of personal information we have collected, disclosed or sold about you in the last 12 months, (2) the categories of sources from which the personal information was collected, (3) the business purpose for which we use this information, and (4) the categories of third parties with whom we share or have shared your personal information in the last 12 months;
- Right to Access. The right to request, up to 2 times in a 12-month period, that we provide you access to or disclose to you, free of charge, the specific pieces of personal information we have collected about you in the last 12 months;
- Right to Delete. The right to request, up to 2 times in a 12-month period, that we delete personal information that we collected from you, subject to certain exceptions; Retention of records as required by the California Department of Insurance; Information needed to help process claims.
- Right to Opt-Out. The right to opt-out of the sale of your personal information to third parties; We do not however sell consumer personal information in the course of doing business.
- The right to designate an authorized agent to submit one of the above requests on your behalf. See below for how you can designate an authorized agent; and
- The right to not be discriminated against in receiving different or less favorable pricing, service, or financial incentive for exercising any of the above rights.
You can submit any of the above 4 types of consumer requests by any of the 3 options below:
- Submit an online request on our website at www.andreini.com.
- Call our privacy toll-free line at 800-969-2522
- Visit a Company location to complete a paper form, which can be requested at the reception/front desk.
How we will verify that it is really you submitting the request:
When you submit a Right to Know, Right to Access, or Right to Delete consumer request through one of the methods provided above, we will ask you to provide some information in order to verify your identity and respond to your request. Specifically, we will ask you to verify information that can be used to link your identity to particular records in our possession, which depends on the nature of your relationship and interaction with us.
Responding to your Right to Know, Right to Access, and Right to Delete requests
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 days or 90 days total from the date we receive your request), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding our receipt of your verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Responding to your consumer request to opt-out of the sale of your personal information
We will act upon a verifiable consumer request to opt-out within fifteen (15) days of its receipt. We will notify all third parties to whom we have sold personal information within 90 days of our receipt of your request that you have exercised your right to opt-out and instruct them not to further sell the information. We will notify you when this has been completed by mail or electronically, at your option.
A request to opt-out need not be a verifiable consumer request. However, we may deny a request to opt-out if we have a good faith, reasonable, and documented belief that a request to opt-out is fraudulent. If we deny your request to opt-out, we shall inform you of our decision not to comply and provide an explanation as to why we believe the request is fraudulent.
If You Have an Authorized Agent:
You can have an Authorized Agent submit a request on your behalf if you both come into a California location and provide proof of identity with a driver’s license or passport and provide your consent via mail in form for the Authorized Agent to complete your verifiable consumer request.
Questions About the Policy
If you have any questions about this privacy policy, go to:
or call 800-969-2522.
