Privacy Policy

1. Information We Collect

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

·       Name

·       Mailing or physical address

·       Email address

·       Telephone or mobile phone number

·       Insurance coverage interests and needs

·       Information submitted through quote request or contact forms

·       Information necessary to obtain insurance quotes, service policies, or respond to insurance inquiries

·       Communications you have with our agency

·       SMS/text messaging preferences and consent records

When necessary to provide insurance products or services, we may also collect additional information appropriate to the insurance transaction, including information concerning property, vehicles, drivers, businesses, insurance history, claims, and other underwriting information.

We may also automatically collect limited technical information when you use our website, such as browser type, device information, IP address, referring pages, pages visited, and similar website usage information.

2. How We Use Information

We may use information we collect to:

·       Respond to inquiries and requests

·       Provide insurance quotes

·       Assist with insurance applications

·       Service existing or prospective insurance policies

·       Communicate regarding quotes, applications, policies, renewals, claims, appointments, and customer service matters

·       Provide information about insurance products and services

·       Identify insurance coverage or bundling opportunities

·       Send marketing communications when permitted by law and, where required, with your consent

·       Maintain records of communications and customer interactions

·       Operate, maintain, and improve our website and business

·       Prevent fraud and protect the security of our systems

·       Comply with applicable laws, regulations, insurance requirements, and legal obligations

3. SMS/Text Messaging Information

If you provide your mobile telephone number and affirmatively opt in to receive text messages from Cal Oak Insurance Agency LLC, we may send text messages consistent with the type of consent you provided.

Depending upon your selections, messages may include:

Non-Marketing Messages: Insurance inquiry responses, requested quote information, application updates, policy-related communications, appointment reminders, renewal communications, customer service messages, and other communications related to an existing or requested business relationship.

Marketing Messages: Insurance product information, promotional offers, cross-selling opportunities, policy review opportunities, bundle opportunities, and other marketing or promotional communications from Cal Oak Insurance Agency LLC.

Message frequency may vary. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

You may opt out of text messages at any time by replying STOP. You may reply HELP for assistance.

4. Mobile Information and SMS Consent Data

We do not sell, rent, or share mobile telephone numbers or SMS/text messaging opt-in data and consent with third parties or affiliates for their own marketing or promotional purposes.

Information may be disclosed to service providers that assist us in delivering text messages or providing services on our behalf, but only as necessary to provide those services and subject to appropriate confidentiality and data-protection obligations.

SMS opt-in data and consent will not be sold or transferred to third parties for their own marketing purposes.

5. How We May Share Information

‍We may disclose personal information when reasonably necessary to conduct insurance business or provide services you request, including to:

·       Insurance carriers and insurance-related organizations

·       Service providers and vendors that perform services on our behalf

·       Technology, website, CRM, communications, email, and messaging providers

·       Payment or financial service providers when applicable

·       Professional advisors, including attorneys, accountants, auditors, and compliance professionals

·       Government agencies, regulators, law enforcement, courts, or other parties when required or permitted by law

We may also disclose information when reasonably necessary to prevent fraud, protect our rights or property, protect customers or others, or enforce our agreements.

We do not sell personal information for monetary compensation.

The sharing provisions above do not include mobile information or SMS opt-in consent data for third-party marketing or promotional purposes.

6. Insurance Information

Information provided for an insurance quote or insurance-related service may be transmitted to insurance companies, underwriting organizations, insurance service providers, and other parties reasonably necessary to obtain quotes, underwrite coverage, issue policies, service accounts, process transactions, or otherwise conduct insurance business.

Insurance companies and other third parties may maintain their own privacy policies and practices. Their collection and use of information may be governed by their respective privacy policies and applicable insurance and privacy laws.

7. Cookies and Website Technologies

Our website may use cookies and similar technologies to operate the website, understand website traffic, improve functionality, and measure website performance.

Your browser may allow you to limit or disable cookies. Certain website features may not function properly if cookies are disabled.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, misuse, or destruction.

However, no internet transmission, electronic communication, or electronic storage system can be guaranteed to be completely secure.

9. Data Retention

We may retain personal information for as long as reasonably necessary to provide services, maintain business and insurance records, comply with legal or regulatory requirements, resolve disputes, enforce agreements, and fulfill legitimate business purposes.

Records relating to SMS consent and opt-out requests may be retained as necessary to document and honor communication preferences.

10. Your Communication Choices

You may unsubscribe from marketing emails by following the unsubscribe instructions contained in applicable marketing emails.

You may opt out of SMS/text messages by replying STOP to a message from us.

An SMS opt-out will not prevent us from communicating with you through other channels when permitted by law or necessary to service your insurance relationship.

11. California Privacy Rights

California residents may have certain rights regarding their personal information under applicable California privacy laws. Depending upon the law applicable to the information and our business, these rights may include the ability to request information regarding certain personal information collected, request correction or deletion of certain information, or exercise other privacy rights.

Certain information collected or maintained in connection with insurance transactions may be governed by separate state or federal insurance and financial privacy laws and may be exempt from some generally applicable privacy requirements.

To submit a privacy-related request, please contact us using the information provided below. We may need to verify your identity before processing a request.

12. Children’s Privacy

Our website and services are not directed toward children under 13, and we do not knowingly solicit personal information directly from children under 13 through our website.

13. Third-Party Websites

Our website may contain links to websites operated by third parties. Cal Oak is not responsible for the privacy, security, or content practices of third-party websites. We encourage you to review the privacy policies of any third-party website you visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or services.

When we make changes, we may update the “Last Updated” date shown at the top of this policy. Your continued use of our website after an updated Privacy Policy is posted constitutes acknowledgment of the updated policy.

15. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your personal information, please contact:

Cal Oak Insurance Agency LLC
Thousand Oaks, California
Email: service@caloakins.com
Phone: 805.909.4554

Website: CalOakIns.com

Effective Date: August 14, 2026
Last Updated: August 14, 2026

Cal Oak Insurance Agency LLC (“Cal Oak,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, online forms, telephone communications, text messaging, email, and other interactions with our agency.

By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.