Privacy Policy

Effective Date: November 29, 2023

Last Updated on: November 29, 2023

Paul Munly Agency (“we,” “our,” or “us”) is committed to properly safeguarding consumer personal information and only using information in a manner that is necessary for servicing or better understanding our customers and potential customers. Our policy is to protect the confidentiality of the personally identifiable information that we receive, and to limit access to that information only to those with a need to know. This privacy statement addresses our privacy practices including the collection and use of personal information in offline, online, and mobile environments. Specific information regarding online and mobile privacy provisions may also be found in this privacy statement.

By submitting your Personal Information (as defined below) on our website or one of our partners, you consent to receive marketing calls, text/SMS or MMS messages, mail and/or email made on behalf of the Paul Munly Agency and affiliated insurance companies or their representatives, even if your telephone number is listed on a national, state or business do-not-call registry, if your email address is listed on a national, state, or business do-not-email registry, or if your address is listed on a national, state or business do-not-mail registry. These calls or texts may use an automated telephone dialing system and/or artificial or prerecorded voice. Your consent is not a condition of purchase. Text message & Data Rates may Apply and Message frequency varies.

You may opt-out of marketing communications by calling us at (530) 899-7667, activating the "Unsubscribe" link in an email you receive from us, responding "STOP" to a text message you receive from us, or by mailing a request to our office.

This policy also applies to workforce-related personal information collected from employees, job applicants, contractors, or similar individuals.

Information We Collect and Retain

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:

Publicly available information from government records.
Deidentified or aggregated consumer information.

In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category

Personal Information

Collected / Retention

A. Identifiers such as a real name, alias, address, social security number, date of birth, passport number, unique personal identifier, on-line identifier, IP address, e-mail address, account name, government issued identification number, phone number, signatureor other similar identifiers.

YES / Only retained as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with applicable legal or regulatory requirements and in accordance with our internal procedures.

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

C. Protected classification characteristics under California or federal law.

D. Commercial information, including records of personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies.

E. Biometric information, including voice print and photo.

F. Internet or other electronic network activity, including, but not limited to, information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies.

G. Geolocation data, including, but not limited to, IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices.

H. Audio, electronic, thermal, olfactory, photo, visual information, such as a call or video recording, voicemail messages.

I. Professional or employment-related information such as job titles, work history, school(s) attended, employment status, veteran, or military status.

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)), such as job titles, work history, school attended, marital and family status, e-mail, telephone recordings.

K. Inferences drawn from any information identified above to create a profile about a consumer reflecting the consumer’s preferences, behaviors, characteristics, psychological trends, predispositions, attitudes, intelligence, abilities, and aptitudes.

L. Sensitive Personal Information, such as social Security number, driver’s license number, state ID card, account log-in, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.

Purposes for Collection of Personal Information

We collect and use your personal information to offer, provide, and maintain insurance products and related services to you. We may use your personal information for one or more of the following purposes:

To offer, provide, maintain and improve insurance products and related services, including claims-related services to you;
To authenticate and verify your identity, to maintain your preferences, and to communicate with you;
For safety and security purposes, including: prevention, detection and investigation of data security incidents or protection against malicious, deceptive, fraudulent or illegal activity; debugging and ensuring the integrity of our systems;
To provide appropriate or relevant products and services, conduct analytics, research, and development on our products and services;
Provide marketing communications to you;
To provide quality assurance;
To provide a location-based product or service requested by you;
To apply relevant discounts;
To create profiles based on personal information collected and reflecting individual preferences;
To comply with applicable laws and regulations or other governmental or judicial orders.

We obtain the categories of personal information listed above from the following categories of sources:

Directly from you. For example, from forms you complete or products and services you purchase.
Indirectly from you. For example, from observing your actions on our Sites (including the timing, frequency, and pattern of service use) including but not limited to traffic data, location data, weblogs, and other communication data, the resources you access, and how you reached our Sites.
From third parties on our behalf. (See Information Collected from Third Parties)
Cookies, web beacons, and other tracking technologies.

We rely on partners to provide many features of our Sites and Services using data about your use. Much of this information is collected through cookies, web beacons, and other tracking technologies, as well as through your web browser or device. We use cookies and similar tacking technologies for the following purposes:

Analytics: Allowing us to understand how our services are being used, track site performance and make improvements.
Site Operations: Enabling features that are necessary for providing you the services on our Sites, such as identifying you as being signed in, tracking content views, and remembering your preferences.

Specifically:

Google Analytics, through the use of cookies or other tracking technologies, helps us analyze how users interact with and use our website, compiles reports on website activity, and provides other services related to our website activity and usage. The technologies used by Google may collect information such as your location, time of visit, whether you are a return visitor, and any referring website. You can learn more about Google’s partner services and to learn how to opt out of tracking of analytics by Google on Google’s Privacy and Terms website.
Alchemer, through web-based forms and surveys, helps us collect information, automate insurance quoting processes, compiles reports on form and survey activity and statistics, and provides other services related to our business. The technologies used by Alchemer may collect information such as your location, time of visit, whether you are a return visitor, and any referring website. You can learn more about Alchemer’s partner services at Alchemr’s Privacy and Terms website. All data we obtain through Alchemer systems is encrypted in transit and at rest.
MailerLite, through web-based landing pages and forms, provides a platform for us to send you email-based marketing communications. The technologies used by MailerLite may collect information such as your location, time of visit, whether you are a return visitor, and any referring website. You can learn more about MailerLite's privacy policy at the MailerLite Privacy policy.
MailerSend, through web-based landing pages and forms, provides a platform for us to send you email-based transactional communications. The technologies used by MailerSend may collect information such as your location, time of visit, whether you are a return visitor, and any referring website. You can learn more about MailerSend's privacy policy at the MailerSend Privacy policy.
Calendly, through web-based forms, helps us schedule appointments with users. The technologies used by Calendly may collect information such as your location, time of visit, whether you are a return visitor, and any referring website. You can learn more about Calendly's privacy policy at Calendly's Privacy policy.

Your browser or device may include “Do Not Track” functionality. At this time, we do not alter our Sites’ data collection and use practices in response to Do Not Track signals.

Information Collected from Third Parties

We may collect personal information from individuals other than those proposed for coverage. Some of this information may be collected by external parties on our behalf. For example, we use payment processors when you engage in transactions related to our Sites and Services. We also collect the following information about you from other sources:

Information about your transactions with us from the insurance companies we contact to underwrite your insurance;
Contact information we receive from our marketing partners;
Information we receive from the Department of Motor Vehicles; and
Information we receive from consumer reporting agencies.

Use of Personal Information

We may use, or disclose the personal information we collect for one or more of the following purposes:

To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery.
To provide you with our products and services, including to provide you with quotations for insurance or other insurance or financial industry services (including those procured proactively and/or in connection with the movement of a book of business from one provider to another) on your behalf; to provide you with insurance or to facilitate the performance of related services.
To process your requests, transactions, and payments and prevent transactional fraud.
To distribute newsletters and promotional material, invite you to events, and market products and services to you.
To assess, improve and develop our business, products and services, prepare benchmarking reports and for other research and analytics purposes.
To comply with, or exercise rights under, applicable law – for example to make required or advisable reports to insurance regulatory, law enforcement or other similarly situated authorities; to respond to and comply with court orders, applicable law and other legal requirements; and to defend ourselves against claims and to enforce our rights or protect our employees or property.
To market products and services to you.
To provide or receive shared organizational services, such as claim and risk management services.
To evaluate or effect a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us about our consumers is among the assets evaluated or transferred.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users or consumers is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

In accordance with applicable laws, we may share your personal information by disclosing it to a third party for business purposes. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to keep that personal information confidential and not use it for any purpose, except in performing the contract, or as otherwise required or permitted by law.

We may share your personal information as required or permitted by law including with:

Companies involved in insurance and other related transactions
Agents and brokers
Service providers which may include, but are not limited to:
- Internet service providers
- Data analytics providers
- Companies that provide marketing, advertising, and related services
- Legal, tax, accounting, and other similar support function providers
- Payment processors
Government entities, including law enforcement and regulators
Consumer reporting agencies
Insurance support organizations

In the previous twelve (12) months, we may have disclosed the following categories of personal information with the following parties:

Categories	Examples
Personal Identifiers.	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Personal Characteristics	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Commercial Information	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Biometric Information	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Internet or Network Activity	Companies involved in aggregation of preferences, characteristics, behaviors, and trends; service providers, law enforcement, or regulators
Geolocation	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Audio, electronic, visual, thermal, olfactory	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators
Professional information and employment information	Service providers or entities who can validate employment or professional information, law enforcement, or regulators
Education information	Service providers or entities who can validate education information, law enforcement, or regulators
Inferences	Companies involved in aggregation of preferences, characteristics, behaviors and trends, service providers, law enforcement, or regulators
Sensitive Personal Information	Companies involved in insurance transactions, agents, brokers, service providers, law enforcement, or regulators

In the previous twelve (12) months, we have not sold your personal information.

How We Protect Your Information

Our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information to those individuals, such as our employees, who provide you with our products and services. We require individuals with access to your information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about you except as described in this notice or as otherwise required or permitted by applicable law.

Changes to Our Privacy Policy

We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (530) 899-7667
Website: www.paulmunlyagency.com
Email: privacy@paulmunlyagency.com
Fax: (530) 899-7600

Postal Address:

Paul Munly Agency
30 Constitution Dr., Suite 200
Chico, CA 95973

If you need to access this Policy in an alternative format due to having a disability, please contact us at privacy@paulmunlyagency.com and/or (530) 899-7667.

Contact Us

30 Constitution Dr., Suite 200
Chico CA 95973

(530) 899-7667