Privacy Policy

Introduction

Pacific Direct Insurance ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or interact with our services.

By using our website, you consent to the practices described in this policy. If you do not agree with these practices, please do not use our website.

Information We Collect

Information You Provide

When you use our contact forms, request a quote, or communicate with us, we may collect:

• Name
• Email address
• Phone number
• General information about your insurance needs

Important: We do not collect sensitive personal information such as Social Security numbers, detailed health records, or financial account numbers through our website. When you apply for life insurance, that information is collected directly by the insurance carrier through their secure application process.

Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• IP address
• Browser type and version
• Device type
• Pages visited and time spent on pages
• Referring website
• Date and time of visit

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and quote requests
• Provide information about life insurance products
• Communicate with you about your insurance needs
• Improve our website and services
• Analyze website usage and trends
• Comply with legal obligations

Information Sharing

We do not sell your personal information. We may share your information in the following circumstances:

• Insurance Carriers: When you request a quote or apply for coverage, we share necessary information with insurance carriers to obtain quotes and process applications on your behalf.
• Service Providers: We may share information with third-party vendors who assist with website hosting, analytics, or other business operations.
• Legal Requirements: We may disclose information when required by law, court order, or government regulation.
• Business Transfers: In the event of a merger, sale, or transfer of business assets, your information may be transferred to the acquiring entity.

Information shared with insurance carriers for underwriting purposes is subject to those carriers' privacy policies and is protected under the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance regulations.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience and analyze website traffic. Cookies are small text files stored on your device that help us understand how visitors use our website.

We use:

• Essential Cookies: Necessary for basic website functionality
• Analytics Cookies: Help us understand how visitors interact with our website

You can control cookies through your browser settings. Disabling cookies may affect certain website features.

Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. Our website uses SSL encryption to secure data transmission.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. Please do not send sensitive information such as Social Security numbers via email or contact forms.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Contact form submissions and quote requests are retained for a reasonable period to serve your insurance needs and maintain business records as required by law.

Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and industry resources. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

Children's Privacy

Our website is not directed to children under 13 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 13, we will delete that information promptly.

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• Right to Know: Request information about what personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt Out: Opt out of the sale or sharing of personal information (we do not sell personal information)
• Right to Non-Discrimination: Exercise your privacy rights without discriminatory treatment

Important Note: Personal information collected in connection with insurance transactions is generally exempt from CCPA/CPRA and is instead governed by the Gramm-Leach-Bliley Act (GLBA) and California Insurance Information and Privacy Protection Act (IIPPA).

To exercise your California privacy rights, please contact us using the information provided below. We will respond to verified requests within 45 days.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the revised policy.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: