Privacy Policy

Information Collection

Castro's Insurance collects personal information necessary to provide accurate insurance quotes, process policy applications, and deliver exceptional customer service. We are committed to transparency in how we gather and use your data.

The types of information we collect include:

• Personal identification details such as name, address, date of birth, and Social Security number
• Contact information including phone numbers and email addresses
• Vehicle information such as make, model, year, VIN, and usage patterns
• Driving history including licenses, violations, accidents, and claims history
• Payment and financial information for premium processing
• Usage data from our website and mobile applications

Information is collected directly from you through quote requests, applications, customer service interactions, and automatically through cookies and tracking technologies when you use our digital platforms.

Data Usage

We use your personal information exclusively for legitimate business purposes related to providing auto insurance services. Your data helps us deliver personalized coverage, accurate pricing, and responsive support.

Specifically, we use collected information to:

• Generate insurance quotes based on your specific circumstances and vehicle details
• Underwrite and issue insurance policies that meet your coverage needs
• Process premium payments and manage billing accounts
• Handle claims efficiently and investigate coverage questions
• Communicate policy updates, renewals, and important notices
• Improve our services through analytics and customer feedback
• Comply with legal and regulatory requirements
• Prevent fraud and ensure platform security

We never use your personal information for purposes incompatible with those disclosed at the time of collection without obtaining your explicit consent.

Insurance Data Practices

As a licensed insurance provider, Castro's Insurance adheres to industry-specific data protection standards and insurance regulations. We recognize the sensitivity of insurance-related information and handle it with appropriate care.

Our insurance-specific data practices include:

• Obtaining driving records and claims history from authorized reporting agencies
• Sharing policy information with underwriting insurance carriers
• Reporting policy data to state insurance departments as required by law
• Exchanging claims information with industry databases to prevent fraud
• Maintaining detailed records for the legally required retention period
• Protecting medical information obtained during claims processing under HIPAA when applicable

We work exclusively with reputable insurance carriers and service providers who maintain similar privacy standards and are contractually obligated to protect your information.

Third Party Sharing

We only share your personal information with third parties in specific circumstances necessary to provide insurance services or as required by law. These circumstances include:

• Insurance carriers who underwrite and provide your coverage
• Claims administrators and repair facilities during the claims process
• Credit reporting agencies to assess insurance scores where permitted
• Government agencies and law enforcement when legally required
• Service providers who assist with policy administration, billing, or customer support
• Industry databases for fraud prevention and claims verification

All third parties who receive your information are bound by confidentiality agreements and are prohibited from using your data for purposes other than those specified in their service agreements with us.

In the event of a business transaction such as a merger, acquisition, or sale of assets, your information may be transferred to the successor organization, subject to the same privacy protections outlined in this policy.

Your Rights

You have important rights regarding your personal information. Castro's Insurance respects these rights and provides mechanisms for you to exercise them.

Your privacy rights include:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate or incomplete data
• The right to request deletion of your information, subject to legal retention requirements
• The right to opt out of certain data sharing practices
• The right to receive a copy of your data in a portable format
• The right to withdraw consent for data processing where consent was the basis for collection
• The right to object to processing based on legitimate interests

To exercise any of these rights, please contact our Privacy Office using the contact information provided at the end of this policy. We will respond to your request within the timeframe required by applicable law, typically within 30 days.

Please note that certain requests may be subject to legal limitations. For example, we may be required to retain certain information for regulatory compliance or pending claims resolution.

Security Measures

Castro's Insurance implements comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. We take data security seriously and continuously update our protections.

Our security measures include:

• Encryption of sensitive data both in transit and at rest using industry-standard protocols
• Secure socket layer (SSL) technology for all data transmission on our website
• Multi-factor authentication for employee access to customer information
• Regular security audits and penetration testing by independent third parties
• Restricted access to personal information on a need-to-know basis
• Employee training on data privacy and security best practices
• Incident response procedures for potential data breaches
• Secure disposal of physical and electronic records when no longer needed

While we maintain robust security measures, no system is completely secure. We encourage you to protect your account credentials and notify us immediately if you suspect unauthorized access to your information.

California Residents

California residents have additional privacy rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These laws provide enhanced control over personal information.

If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, and sell
• Request deletion of your personal information, subject to certain exceptions
• Opt out of the sale or sharing of your personal information
• Correct inaccurate personal information
• Limit the use and disclosure of sensitive personal information
• Not be discriminated against for exercising your privacy rights

Castro's Insurance does not sell personal information as defined by the CCPA. We may share information for business purposes with service providers and insurance carriers as described in this policy.

To exercise your California privacy rights, please submit a verifiable request through our designated request portal or by contacting our Privacy Office. We will verify your identity before processing your request to protect your information from unauthorized access.

Authorized agents may submit requests on your behalf with proper documentation of authority. We may contact you directly to verify the request before proceeding.

Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Office. We are committed to addressing your privacy inquiries promptly and thoroughly.

You can reach our Privacy Office through the following channels:

• Email: [email protected]
• Phone: +1 (229) 201-7859
• Mail: Privacy Office, Castro's Insurance, 1150 Julian Drive, Watkinsville GA 30677

When contacting us about privacy matters, please include your full name, contact information, and a detailed description of your request or concern. This helps us respond more efficiently to your inquiry.

We periodically review and update this Privacy Policy to reflect changes in our practices, legal requirements, or business operations. The "Last updated" date at the top of this policy indicates when the most recent changes were made. We encourage you to review this policy regularly to stay informed about how we protect your information.

Continued use of our services after policy updates constitutes acceptance of the revised terms. For material changes that significantly affect your rights, we will provide prominent notice or request your explicit consent as required by law.