This Privacy Policy explains how Home Protection and Payoff (homeprotectionandpayoff.com), operated by a licensed insurance agent, collects, uses, shares, and protects your personal information when you visit our website or submit your contact information through our forms. We are committed to complying with applicable privacy laws, including the California Consumer Privacy Act (CCPA), the California Online Privacy Protection Act (CalOPPA), and the General Data Protection Regulation (GDPR) where it applies. By using our website, you agree to the practices described in this policy.
1. Information we collect
We collect personal information you voluntarily provide when you fill out a form on our website. This may include your name, email address, phone number, mailing address, date of birth, and details you share about your home, mortgage, or insurance needs. We also automatically collect certain technical information, such as IP address, browser type, and pages visited, through cookies and similar technologies. We do not collect sensitive health information unless you choose to provide it while discussing coverage with your agent.
2. How we use your information
We use your information to respond to your request, provide mortgage protection and life insurance guidance or quotes, contact you by phone, text message, email, or mail about the coverage you asked about, and improve our website and services. We do not use your information for unrelated marketing without your consent.
3. How we share your information
We do not sell or rent your personal information. We may share it only in limited cases:
- With insurance carriers, when you ask us to quote or apply for coverage on your behalf.
- With trusted service providers (such as our CRM, phone, and email providers) who help us operate and are bound by confidentiality obligations.
- When required by law, regulation, or legal process.
- In connection with a business transfer, such as a merger or sale of the agency.
4. Text messaging (SMS)
If you provide your mobile number and consent to receive text messages, we may text you about your quote request and insurance options. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out, or HELP for help. Consent to receive text messages is not a condition of purchase.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties, except service providers who help us deliver the messages.
5. Data security
We use reasonable technical and organizational measures to protect your information from unauthorized access, loss, or misuse. No online transmission is completely secure, so we cannot guarantee absolute security.
6. Your rights
Depending on where you live and applicable law, you may have the right to access, correct, or delete your personal information, withdraw consent for certain uses, and opt out of any sale or sharing of your data (we do not sell your data). To exercise these rights, call us at the number below. We will respond within 30 to 45 days.
7. Cookies and tracking
Our website uses cookies for essential functions, analytics, and advertising measurement, including tools such as the Meta Pixel that help us understand whether our ads are reaching the right people. You can manage or block cookies through your browser settings.
8. Children's privacy
Our website is not intended for children under 13, and we do not knowingly collect information from children.
9. Changes to this policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.
10. Contact us
If you have questions about this Privacy Policy, call us at (850) 749-5805.