Privacy policy.

2. Information we collect

We may collect the following categories of information:

• Personal identifiers — name, mailing address, email address, phone number, date of birth, and driver's license number.
• Financial information — payment history, billing address, and bank account or credit card details when you make a premium payment through our office.
• Insurance information — policy numbers, coverage details, claims history, vehicle identification numbers (VINs), DOT/MC numbers, driving records, and loss run reports.
• Commercial information — fleet size, cargo types, operating radius, annual revenue, and business entity information.
• Website usage data — IP address, browser type, pages visited, referring URL, time on page, and device information collected automatically through cookies and analytics tools.

3. How we collect information

We collect information in the following ways:

• Directly from you — when you request a quote, file a claim, fill out a form, call our office, or email us.
• From insurance carriers and third parties — carrier underwriting reports, motor vehicle records, claims databases, and industry reporting services such as FMCSA SAFER.
• Automatically — through cookies, web beacons, and analytics tools when you visit our website.

4. How we use your information

We use the information we collect to:

• Provide insurance quotes, process applications, and service your policies.
• Submit claims to carriers on your behalf and assist with the claims process.
• Communicate with you about your account, renewals, and coverage changes.
• Respond to your inquiries and provide customer support.
• Comply with legal, regulatory, and licensing requirements.
• Improve our website, services, and customer experience.
• Detect and prevent fraud.

5. Information sharing and disclosure

We do not sell your personal information. We may share your information with the following parties as necessary to provide our services:

• Insurance carriers and underwriters — to obtain quotes, bind coverage, process endorsements, and handle claims on your behalf.
• Premium finance companies — to facilitate premium financing arrangements if you choose a payment plan.
• Service providers — third-party vendors who help us operate our website, process forms, manage email communications, and perform analytics (e.g., third-party form processing services and Google Analytics).
• Regulatory bodies — the California Department of Insurance, FMCSA, and other agencies when required by law or regulation.
• Legal proceedings — when required by court order, subpoena, or other legal process.

6. Gramm-Leach-Bliley Act (GLBA) notice

As a licensed insurance agency, we are subject to the Gramm-Leach-Bliley Act (GLBA), which requires financial institutions to explain their information-sharing practices and to safeguard sensitive data. We collect and maintain nonpublic personal information ("NPI") as necessary to provide insurance products and services.

We do not disclose NPI to non-affiliated third parties except as permitted or required by law — for example, to process your insurance transactions, service your account, or comply with regulatory requirements. We maintain physical, electronic, and procedural safeguards to protect your NPI.

7. California Insurance Information and Privacy Protection Act (IIPPA)

Under the California Insurance Information and Privacy Protection Act (California Insurance Code Sections 791–791.27), you have the right to:

• Access the personal information we have collected about you in connection with an insurance transaction.
• Request correction of any information you believe is inaccurate.
• Know the reasons for any adverse underwriting decision and receive information about the sources used.

To exercise any of these rights, contact us using the information provided at the bottom of this page.

8. California Online Privacy Protection Act (CalOPPA)

In compliance with CalOPPA, we make the following disclosures:

• This privacy policy is conspicuously linked from every page of our website via the footer.
• We will notify users of material changes to this policy by updating the "Last updated" date at the top of this page.
• We do not respond to "Do Not Track" (DNT) browser signals at this time, as there is no industry-wide standard for DNT compliance.
• Third parties (such as analytics providers) may collect information about your online activities over time and across different websites when you use our site.

9. California Consumer Privacy Act (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (as amended by the CPRA) provides you with the following rights:

• Right to know — you may request that we disclose the categories and specific pieces of personal information we have collected about you.
• Right to delete — you may request deletion of your personal information, subject to certain exceptions (e.g., regulatory record-keeping requirements).
• Right to correct — you may request correction of inaccurate personal information.
• Right to opt out of sale — we do not sell personal information, so no opt-out mechanism is required.
• Right to non-discrimination — we will not discriminate against you for exercising any of your privacy rights.

To submit a CCPA request, contact us by phone at (510) 270-8141 or email at info@goldenerainsurance.com. We will verify your identity before processing any request.

10. Cookies and tracking technologies

Our website uses cookies and similar technologies to improve your experience and understand how visitors use our site. Types of cookies we may use include:

• Essential cookies — required for basic site functionality such as form submissions.
• Analytics cookies — help us understand traffic patterns and improve our website (e.g., Google Analytics).

You can control or disable cookies through your browser settings. Disabling cookies may affect certain site features.

11. Data security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encrypted form submissions, secure email practices, and restricted access to physical and electronic records.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

12. Data retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, service your account, and comply with legal and regulatory requirements. Insurance records are typically retained for a minimum of five years after a policy expires or is canceled, in accordance with California Department of Insurance regulations and applicable statutes of limitation.

13. Third-party links

Our website may contain links to third-party websites, including carrier portals, government agencies, and industry resources. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.

14. Children's privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it promptly.

15. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically.