Privacy Policy
Effective Date: January 01, 2024
At Cauldron Insurance Agency, LLC, we prioritize your privacy and are committed to protecting your personal information, including Personal Identifiable Information (PII) and Protected Health Information (PHI), as well as ensuring compliance with various data protection laws and regulations, including HIPAA, CCPA, CPRA, GDPR, and others. This Privacy Policy explains how we collect, use, share, and protect your information when you interact with our website, services, and agents. By using our services, you agree to the terms outlined here.
1. Information We Collect
To provide you with our insurance services, Cauldron Insurance Agency, LLC may collect the following types of information:
Personal Identifiable Information (PII): Information that can be used to identify you, such as your name, address, phone number, email, date of birth, and Social Security number.
Protected Health Information (PHI): Health information collected for insurance purposes, which may include medical history, treatment information, and other health-related data as required by certain insurance products.
Financial Information: Information necessary to assess your eligibility for insurance, such as income, assets, and payment details.
Usage Information: Data collected when you visit our website, including IP address, browser type, operating system, and pages visited.
2. How We Use Your Information
We use your personal information, including PII and PHI, for the following purposes:
Insurance Services: To process insurance applications, provide quotes, and manage policies.
Customer Support: To communicate with you about inquiries, policy updates, and other service-related messages.
Marketing and Communications: To send you relevant offers and updates (with your consent).
Compliance and Legal Purposes: To comply with regulatory requirements, respond to legal requests, and prevent fraud.
Website Functionality: To improve website performance, security, and user experience.
3. How We Share Your Information
We do not sell your personal information, including PII and PHI. However, we may share it in specific situations, as outlined below:
With Insurance Providers: To process your insurance applications and manage your policies.
With Authorized Third Parties: Including agents, brokers, and underwriters who assist in providing you with our services.
Legal Compliance: When required by law, we may share your information with regulatory authorities or to comply with legal processes.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred, and you will be notified of any ownership changes.
4. Data Security
We take data security seriously and implement various measures to protect your personal information, including PII and PHI:
Encryption: Sensitive information is encrypted to protect your data during transmission.
Access Control: Only authorized personnel with a legitimate need have access to PII and PHI, and employees receive training on data protection.
Data Retention: We retain your information only as long as necessary to fulfill the purposes outlined or as required by law.
While we work to protect your information, no security system is completely foolproof. We encourage users to be cautious when sharing personal data online.
5. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal data:
Access and Correction: You can request access to and correction of your personal information.
Data Deletion: You may request that we delete your personal information, though this may affect our ability to provide certain services.
Opt-Out of Marketing: You can unsubscribe from marketing communications at any time.
Data Portability: You can request a copy of your data in a commonly used format.
6. Cookies and Tracking Technologies
Our website uses cookies to improve user experience, analyze traffic, and personalize content. Cookies are small data files stored on your device. You can manage cookie preferences through your browser settings, but please note that disabling cookies may affect your experience on our site.
Types of cookies we use include:
Necessary Cookies: Essential for website functionality.
Performance Cookies: Help us understand user interactions.
Marketing Cookies: Used to personalize ads and promotions.
7. Children’s Privacy
Our services are not directed to children under the age of 13, and we do not knowingly collect information from children. If we learn that we have inadvertently collected information from a child under 13 without parental consent, we will delete it promptly.
8. Third-Party Links
Our website may include links to third-party sites for your convenience. Cauldron Insurance Agency, LLC, is not responsible for the privacy practices or content of these sites. We encourage you to review the privacy policies of any external websites you visit.
9. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our practices or applicable laws. We recommend reviewing this policy periodically to stay informed about how we protect your information.
10. Contact Us
If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, including PII and PHI, please contact us:
Cauldron Insurance Agency, LLC
9250 Reseda Blvd., Ste. 216 Northridge, CA 91324
Phone: (702) 283-9229
Email: [email protected]
Compliance with Data Privacy Laws
Cauldron Insurance Agency, LLC, adheres to various data protection laws to ensure your personal information, including PII and PHI, is treated with the highest standards of care. These include:
HIPAA (Health Insurance Portability and Accountability Act):
PHI, ensuring the confidentiality and security of your health information for products requiring medical information.
CCPA/CPRA (California Consumer Privacy Act/California Privacy Rights Act):
California residents have the right to access, delete, and restrict the sale of their personal information. We honor these rights and do not sell personal information.
VCDPA (Virginia Consumer Data Protection Act):
Virginia residents have rights to access, correct, delete, and obtain copies of their personal data, which we honor for Virginia-based users.
LGPD (Lei Geral de Proteção de Dados):
For Brazilian users, we adhere to LGPD, providing rights to access, correct, delete, and transfer personal data.
POPIA (Protection of Personal Information Act):
For South African residents, we follow POPIA requirements for data access, correction, and restriction.
CPA (Colorado Privacy Act):
We comply with CPA standards for Colorado residents, ensuring rights to access, delete, and manage personal data.
CTDPA (Connecticut Data Privacy Act) and UCPA (Utah Consumer Privacy Act):
For residents of Connecticut and Utah, we comply with respective state regulations, providing access, deletion, and data management rights.
Senior Citizen Privacy Protections:
We adhere to all applicable state and federal regulations that protect senior citizens' privacy, ensuring clear communication, transparency, and ethical treatment.
Cauldron Insurance Agency, LLC is committed to protecting what matters most. We provide personalized life, health, and financial protection solutions, guiding each client with care and expertise. Our mission is to bring peace of mind and security through tailored coverage and dedicated support every step of the way
Insurance products and services offered through Cauldron Insurance Agency, LLC are subject to underwriting approval and may vary by state. Coverage is not guaranteed, and eligibility is determined by the insurance carrier. Quotes provided are estimates based on the information available at the time of the request. Cauldron Insurance Agency, LLC and its licensed advocates comply with all federal and state regulations, including HIPAA, PII, and PHI standards. This is not an offer of coverage, and no insurance is bound or in force until an application is completed, approved, and premium payment is received
© 2024 Cauldron Insurance Agency, LLC I CA Agency License Number: 6013170 I All rights reserved.