WHINS Insurance Agency (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information through our website and insurance services. It also describes your rights under applicable privacy laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

Scope

This policy applies to information collected online and offline. That includes our website, quote or application forms, email and phone communications, and data received from carriers, brokers, and service providers involved in placing and servicing insurance.

Categories of Personal Information We Collect

Depending on your interaction with us, we may collect the following categories of personal information:

• Identifiers: name, address, email, phone, date of birth, driver’s license number, IP address, Social Security number.
• Commercial data: applications, policy numbers, coverage details, premiums, payments, claims history.
• Sensitive personal information: government identifiers, financial account data, or health information required for insurance placement.
• Internet or network activity: pages visited, device data, browser type, time on site, referral links.
• Inferences and risk indicators: underwriting scores, fraud indicators, risk assessments.
• Regulatory or compliance data: claims records, audit materials, licensing data, or legal correspondence.

Sources of Personal Information

We collect information directly from you, from insurance carriers and service providers, and automatically through cookies or analytics tools when you use our website.

How We Use Personal Information

We use personal information to:

• Provide insurance quotes, underwriting, policy issuance, renewal, and cancellation.
• Process claims, billing, endorsements, and customer service requests.
• Comply with state and federal insurance regulations and legal obligations.
• Prevent fraud, secure our systems, and maintain internal compliance records.
• Communicate with you about your account, coverage, or updates.
• Analyze and improve our website, services, and client experience.

We do not sell personal information for money.

Disclosure of Personal Information

We may disclose information to:

• Insurance carriers, underwriters, or wholesale brokers.
• Service providers who support quoting, claims, and technology operations.
• Government agencies or regulators as required by law.
• Fraud prevention and security partners.
• Professional advisors such as auditors, accountants, or legal counsel.

Recipients are required to safeguard information and use it only for legitimate business or legal purposes.

Sale or Sharing of Personal Information

We do not sell your personal information for monetary value. If we ever share information for cross-context behavioral advertising, we will update this policy and provide a clear opt-out mechanism.

California residents can exercise opt-out rights here:

• Do Not Sell or Share My Personal Information
• Limit the Use of My Sensitive Personal Information
• Submit a Privacy Request

Cookies and Analytics

We use cookies and analytics tools (such as Google Analytics) to improve our website and measure traffic. These tools may collect IP addresses, browser types, device identifiers, and usage patterns.

You can manage or disable cookies through your browser settings. For Google Analytics, you can use the Google Analytics Opt-Out Add-On.

Your Privacy Rights (California Residents)

If you live in California, you have the right to:

• Access the personal information we have collected about you.
• Request correction or deletion of certain information.
• Opt out of sale or sharing of personal information.
• Limit use of sensitive personal information.
• Request data portability where technically feasible.
• Be free from discrimination for exercising these rights.

You can submit a request using our Privacy Request Form, email us at privacy@whins.com, or call 818-233-0825. We will verify your identity before fulfilling your request.

Data Security and Retention

We use reasonable administrative, technical, and physical safeguards to protect personal information. While no system is completely secure, we maintain measures appropriate to the sensitivity of the information. We retain data as long as necessary for business, legal, and regulatory purposes, after which it is securely deleted or anonymized.

Children’s Privacy

We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such information, we will delete it promptly.

Changes to This Policy

We may update this policy periodically. The updated version will be posted at https://www.whins.com/privacy-policy/ with the revised “Last Updated” date. For significant changes, we may also notify you by email or site notice.

Contact Us

WHINS Insurance Agency
5760 Lindero Canyon Rd., #1045
Westlake Village, CA 91362
Phone: 818-233-0825
Email: privacy@whins.com