Privacy Policy

1. Introduction and Broker Disclosure

Daiwa Insurance Marketing Inc. ("we," "us," "our," or "Company") is a California-licensed insurance broker (License No. 0D36836) committed to protecting your privacy in accordance with California Insurance Code Sections 791 et seq. and the California Consumer Privacy Act (CCPA). This Privacy Policy explains how we collect, use, disclose, and safeguard your nonpublic personal information when you visit our website and submit a quote request for home insurance.

Important Broker Disclosure: We represent you, the consumer, and transact insurance on your behalf with admitted insurance carriers. We may be entitled to receive compensation from insurance carriers as a result of your purchase of insurance. This compensation does not increase your premium and is negotiated between us and the carriers.

2. Nonpublic Personal Information We Collect

We collect nonpublic personal information you voluntarily provide when you submit a quote request, including:

• Personal identifiers: Full name, phone number, email address, and mailing address
• Property information: Address, property type, year built, square footage, construction materials, and protective devices
• Insurance history: Prior coverage, claims history, non-renewal or cancellation information, and reasons for seeking new coverage
• Financial information: Information necessary to provide insurance quotes and determine eligibility
• Health information: Only if voluntarily disclosed by you (e.g., mobility issues affecting home modifications)

We may also automatically collect certain technical information when you visit our website, including your IP address, browser type, pages visited, and the time and date of your visit.

3. How We Use Your Information

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

• To process your quote request and provide insurance quotes from multiple carriers
• To contact you regarding your quote and available insurance options
• To facilitate the placement of insurance coverage on your behalf
• To comply with California Insurance Code requirements and Department of Insurance regulations
• To prevent fraud and protect against unauthorized access
• To improve our website and services
• To maintain records required by law and for regulatory compliance

4. Disclosure of Your Information to Third Parties

We may share your nonpublic personal information with the following third parties:

• Insurance carriers and underwriters: We share your information with admitted insurance companies to obtain quotes and place coverage on your behalf. This is necessary to provide the brokerage services you request.
• Insurance support organizations: Third-party service providers who assist with underwriting, claims processing, and loss prevention services.
• Service providers: Third parties who assist us in operating our website, processing transactions, and conducting our business (e.g., web hosting, email services).
• Legal authorities: When required by law, court order, or to protect our legal rights and the rights of consumers.
• Affiliates: Other insurance-related entities under common ownership (if applicable).

We do not sell your nonpublic personal information to third parties for marketing purposes. Any disclosure of your information is limited to what is necessary to provide insurance brokerage services and comply with applicable law.

5. Restrictions on Disclosure of Medical Record Information

In compliance with California Insurance Code Section 791.13, we do not disclose any medical record information about you without your prior written authorization, except as permitted by law. Medical record information includes information about your physical or mental health condition, medical history, or treatment.

6. Data Security and Safeguarding

We implement comprehensive administrative, technical, and physical safeguards to protect your nonpublic personal information in compliance with California Insurance Code Sections 2689.12-2689.20. These safeguards include:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication measures
• Regular security assessments and vulnerability testing
• Employee training on data privacy and security
• Incident response procedures for data breaches
• Audit trails and monitoring of data access

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information using industry-standard practices, we cannot guarantee absolute security.

7. Your Rights and Choices

Under California law, you have the following rights regarding your nonpublic personal information:

• Right to access: You may request access to the personal information we hold about you
• Right to correction: You may request correction of inaccurate information
• Right to deletion: You may request deletion of your information (subject to legal retention obligations)
• Right to opt-out: You may opt-out of marketing communications and certain disclosures
• Right to portability: You may request a copy of your information in a portable format
• Right to non-discrimination: We will not discriminate against you for exercising your privacy rights

To exercise any of these rights, please contact us using the information provided in Section 11.

8. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze website usage. You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website. We do not use cookies to track your behavior across third-party websites.

9. Third-Party Links and External Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites before providing your information. This Privacy Policy applies only to information collected through our website.

10. California Consumer Privacy Act (CCPA) Rights

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information collected from you (with certain exceptions)
• Right to opt-out of the sale or sharing of your personal information
• Right to correct inaccurate personal information
• Right to limit use and disclosure of sensitive personal information
• Right to non-discrimination for exercising your CCPA rights

We comply with all applicable CCPA requirements and will not discriminate against you for exercising your privacy rights. To submit a CCPA request, please contact us at the address provided in Section 11.

11. Data Retention

We retain your nonpublic personal information for as long as necessary to provide our services and comply with applicable law. California Insurance Code and Department of Insurance regulations require us to maintain certain records for a minimum of three (3) years. After this period, we securely dispose of your information unless we are required to retain it for legal or regulatory purposes.

12. Contact Information and Privacy Requests

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

13. California Department of Insurance Contact

If you have a complaint about our privacy practices or believe we have violated California insurance privacy laws, you may file a complaint with the California Department of Insurance:

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by updating the "Last Updated" date below and, if required by law, by providing you with a revised privacy notice. Your continued use of our website constitutes your acceptance of the updated Privacy Policy.