Privacy Policy

1. Introduction

Ryan California Insurance Agency Inc. ("we," "our," or "us"), located at 951 York St, Hanover, PA 17331-3440, is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained through our website and in connection with our insurance agency services.

By accessing our website or submitting information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms of this policy, please do not use our website or submit personal information to us.

2. Information We Collect

2.1 Information You Provide Directly

We collect personal information that you voluntarily provide to us, including when you:

• Complete a quote request form on our website
• Submit a contact or inquiry form
• Call or email our office directly
• Engage with us for insurance consulting services
• Request information about our insurance products

The types of personal information we may collect include:

• Full legal name
• Mailing address and physical address
• Email address
• Phone number (mobile and landline)
• Date of birth
• Driver's license number (for auto insurance quotes)
• Vehicle information (for auto insurance)
• Property information (for home insurance)
• Business information (for commercial insurance)
• Current insurance coverage details
• Social Security Number (only when required by carriers for binding coverage)

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including your IP address, browser type and version, operating system, referring URL, pages visited, time and date of your visit, and time spent on each page. This information is collected through standard web server logs and analytics tools.

2.3 Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience and collect usage data. Cookies are small text files stored on your device that allow us to recognize your browser on subsequent visits. You may configure your browser to refuse cookies; however, some portions of our website may not function properly without them.

Types of cookies we may use include:

• Essential cookies: Required for basic website functionality
• Analytics cookies: Help us understand how visitors interact with our website
• Preference cookies: Remember your settings and preferences

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your insurance quote requests and inquiries
• To prepare and present insurance coverage options tailored to your needs
• To communicate with you about your insurance policies and coverage
• To process applications and bind coverage with insurance carriers
• To provide ongoing customer service and policy support
• To send you relevant information about insurance products and services
• To comply with legal and regulatory requirements
• To prevent fraud and protect the security of our clients and operations
• To improve our website and service offerings
• To maintain accurate business and client records

4. Marketing Communications

With your consent, we may send you periodic emails or other communications about insurance products, coverage updates, renewal reminders, and relevant news. You may opt out of marketing communications at any time by contacting us at ceo@ryancaliforniainsuranceagencyinc.com or calling 223-306-7004. Please note that opting out of marketing communications does not affect our ability to send you transactional or service-related communications.

5. Information Sharing and Disclosure

5.1 Insurance Carriers and Partners

In order to obtain insurance quotes and bind coverage on your behalf, we share your information with insurance carriers and underwriters. We only share the information necessary to fulfill your request and only with carriers who maintain appropriate privacy and security standards.

5.2 Service Providers

We may share your information with trusted third-party service providers who assist us in operating our website and conducting our business, subject to confidentiality agreements. These providers are not permitted to use your information for any purpose other than providing services to us.

5.3 Legal Requirements

We may disclose your information when required to do so by law, regulation, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

5.4 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

5.5 No Sale of Personal Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Your information is used solely to provide you with insurance services and related support.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including maintaining your insurance policies, complying with legal obligations, resolving disputes, and enforcing our agreements. When personal information is no longer needed, we securely delete or anonymize it.

In general, client records are retained for a minimum of seven (7) years following the end of our business relationship, in accordance with Pennsylvania insurance regulations and standard industry practice.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include secure email communications, access controls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.

8. Your Rights and Choices

You have the following rights with respect to your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request correction of inaccurate or incomplete information.
• Deletion: You may request deletion of your personal information, subject to our legal retention obligations.
• Opt-Out: You may opt out of marketing communications at any time.
• Data Portability: You may request a copy of your data in a structured, machine-readable format where technically feasible.

To exercise any of these rights, please contact us at ceo@ryancaliforniainsuranceagencyinc.com or by mail at 951 York St, Hanover, PA 17331-3440.

9. California Consumer Privacy Act (CCPA) Disclosures

While Ryan California Insurance Agency Inc. is based in Pennsylvania, we are committed to respecting the privacy rights of all our clients. To the extent the CCPA applies, California residents have the right to know what personal information is collected, the right to request deletion of personal information, and the right to opt out of the sale of personal information. As noted above, we do not sell personal information.

10. Pennsylvania Legal Compliance

We comply with all applicable Pennsylvania laws and regulations governing the collection, use, and protection of personal information, including the Pennsylvania Breach of Personal Information Notification Act. In the event of a data breach involving your personal information, we will notify you as required by applicable law.

11. Children's Privacy

Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information promptly.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Fraud Prevention

We may use your personal information to detect and prevent fraudulent activity, including insurance fraud. This may involve sharing information with law enforcement, regulatory authorities, or other insurance industry organizations involved in fraud prevention.

14. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we make changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website following any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

• Ryan California Insurance Agency Inc.
• 951 York St, Hanover, PA 17331-3440, United States
• Email: ceo@ryancaliforniainsuranceagencyinc.com
• Phone: 223-306-7004