Belay Insurance Services ("we," "us," or "our"), located at 3001 Red Hill Avenue 5-201, Costa Mesa, CA 92626, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (the "Site") or use our insurance brokerage services, including workers' compensation, commercial property and liability, life insurance, health insurance and group benefits, employment practices liability, professional liability, and commercial vehicle insurance.

This policy is provided as a template starting point and has not been reviewed by an attorney. Insurance agencies are subject to specific federal and state privacy requirements, including the Gramm-Leach-Bliley Act (GLBA) and California privacy law (CCPA/CPRA). We strongly recommend having a licensed attorney review and finalize this policy, and confirm it meets the requirements of every state in which you do business, before publishing it.

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1. Information We Collect

 

 Information You Provide Directly

• Contact form submissions: your name, email address, subject, and message content.

• Quote and application information: when you request an insurance quote or apply for coverage through our Site or a referral partner, we (or that partner) may collect additional information necessary for underwriting, which can include your address, date of birth, Social Security number, driver's license or vehicle information (for commercial vehicle insurance), business information (for workers' compensation, liability, and professional liability coverage), health information (for health insurance and group benefits quotes), and financial information such as payment details or business revenue/payroll figures where required for coverage.

Automatically Collected Information

Like many websites, we use cookies and similar tracking technologies (including third-party tools) to operate and improve the Site, understand how visitors use it, and, where enabled, to support advertising. You can control your cookie preferences through the consent banner presented when you visit our Site.

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2. Website Analytics and Derived Data (Wix)

 

Our Site is built and hosted on Wix, and we use Wix's built-in Analytics tools to understand how visitors interact with our Site. Through this feature, we (and Wix, as our website platform provider) collect and generate aggregated and derived data about visitors, including session counts and activity over time, traffic sources (e.g., direct visits, search engines such as Google or Bing), approximate visitor location (derived from IP address, at a city/region level, not precise geolocation), pages visited and page-level engagement (e.g., most-visited pages, average pages per session), and other inferences drawn from browsing and click-stream activity.

This data helps us understand overall Site performance and visitor engagement; it is not used to identify you personally, and we do not use it to make decisions about individual insurance applicants. Because Wix processes this data on our behalf as our website platform provider, some of this information is also subject to Wix's own Privacy Policy, available at wix.com, which describes Wix's collection of personal and online identifiers, internet/electronic network activity, non-precise geolocation, and inferences drawn from user data.

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3. Third-Party Services

Our Site may link to or integrate with third-party services, including Next Insurance, for obtaining small business insurance quotes. When you use these third-party services, your information is subject to their respective privacy policies, not this one. We encourage you to review those policies before submitting information.

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4. How We Use Your Information

• Respond to inquiries submitted through our contact form

• Provide, service, and administer insurance quotes and policies

• Place coverage with insurance carriers on your behalf

• Communicate with you about your inquiry, quote, or policy

• Analyze and improve our Site's performance and visitor experience

• Comply with legal, regulatory, and licensing obligations applicable to insurance producers/agencies

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5. How We Share Your Information

We do not sell your personal information. As an insurance producer, we may share your nonpublic personal information ("NPI") as permitted by the Gramm-Leach-Bliley Act and applicable state insurance privacy laws. We may share information with:

• Insurance carriers and underwriters, to obtain quotes and place or service your coverage

• Our website platform provider (Wix) and its analytics infrastructure

• Third-party service providers who help us operate our business, such as quoting partners (for example, Next Insurance)

• Regulators, auditors, or other authorities as required by law

• Successors in the event of a business transfer, merger, or acquisition

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6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

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7. Your Privacy Choices and Rights
 

Opt-Out Rights (Gramm-Leach-Bliley Act)

Under federal law, you have the right to limit certain sharing of your nonpublic personal information with non-affiliated third parties beyond what is necessary to service your policy. To opt out, contact us using the information in Section 10 below.

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California Residents (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information we have collected about you, request deletion (subject to legal and contractual exceptions, such as insurance recordkeeping requirements), correct inaccurate information, opt out of the sale or sharing of your personal information (we do not currently sell personal information), and not be discriminated against for exercising these rights.

If you reside in a state with a comprehensive privacy law (for example, Colorado, Connecticut, Virginia, or others), you may have similar rights. [Insert additional state-specific disclosures if you serve residents of other states with comprehensive privacy laws.] To exercise any of these rights, contact us using the information in Section 10 below.

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8. Children's Privacy

Our Site and services are intended for individuals who are at least 18 years old and are not directed toward children. We do not knowingly collect personal information from children under 13.

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9. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this policy reflects the most recent revision. We encourage you to review this policy periodically.

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10. Contact Us

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

Belay Insurance Services
3001 Red Hill Avenue 5-201, Costa Mesa, CA 92626
Phone: (562) 376-2937
Fax: (949) 534-0535
Email: info@belayinsuranceagency.com