Privacy Policy

Effective Date: November 11, 2025

Owens Insurance Agency ("we," "our," "us") values and respects your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information. By accessing our website or using our services, you agree to the practices described below.

1. Information We Collect

Personal & Contact Information

Name, address, email address, phone number, and other identifying information.

Identification Information

Date of birth, Social Security number, driver’s license number, and other government-issued identifiers.

Insurance & Claims Information

Information related to quotes, applications, underwriting, claims, and policy servicing.

Financial Information

Payment data, billing information, credit history, and other financial information required for insurance services.

Health Information

Medical history or health-related details needed for specific insurance products. We do not sell or share health data.

Technical / Website Usage Data

IP address, device information, cookies, browser type, and website browsing activity.

2. How We Use Your Information

We may use your personal information for:

- Providing Services: Processing applications, underwriting, servicing accounts, and handling claims.

- Communication: Sending policy updates, billing notices, renewal reminders, and service messages.

- Marketing (With Consent): Sending promotional emails, text messages, or phone calls about our products or services.

- Compliance: Satisfying legal, regulatory, and contractual obligations.

- Personalization: Improving recommendations and customer experience.

- Research & Analytics: Improving products, services, and website performance.

3. TCPA Consent & Communications

Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number—whether through our website, a quote form, a Facebook lead form, or any other method—you consent to Owens Insurance Agency contacting you at that number regarding insurance products or services.

This may include:

- Phone calls (including autodialed calls)

- Text messages (SMS/MMS)

- Voicemail or prerecorded messages

These communications may be delivered by us or by our third-party service providers.

Marketing Consent

You may receive promotional calls or texts only if you provide prior express written consent, as required by TCPA.

Message & Data Rates

Message and data rates may apply, depending on your mobile carrier.

Opt-Out Options (TCPA Required)

You may opt out at any time by:

- Texting STOP to any message we send

- Calling 909-710-7171

- Emailing info@owensinsuranceinc.com

Opting out does not affect non-marketing communications such as billing, claims, or policy servicing.

No Sale of Phone Numbers

We do not sell or share your telephone number with third parties for their independent marketing purposes.

4. Information Sharing

We may share your information in the following situations:

Service Providers

Underwriters, claims adjusters, marketing platforms, IT providers, and other third parties who help deliver our services.

Legal or Regulatory Requirements

To comply with laws, regulations, court orders, or government requests.

Business Transfers

If we undergo a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

With Your Authorization

For any additional uses not listed in this policy.

5. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of storage or transmission is completely secure.

6. Your Rights & Choices

Depending on your state of residence (including California), you may have the right to:

- Access your personal information

- Request corrections or updates

- Request deletion (subject to legal exceptions)

- Request details about how we share data

- Opt out of marketing calls, emails, and texts

- Restrict certain types of processing

To exercise these rights, contact us using the information below.

7. Cookies & Tracking Technologies

We may use cookies, pixels, and similar tracking tools to improve our website functionality and personalize your experience. You may modify your browser settings to block cookies.

8. Data Retention

We retain personal information only as long as necessary for insurance purposes, regulatory compliance, legal requirements, or legitimate business needs.

9. Email & Text Message Communications

If you wish to unsubscribe from our email campaigns, please click on the Unsubscribe link at the bottom of any marketing email sent by us. If you opt out of our email marketing, we will still send messages related to transactions and your relationship with us, such as billing notices, policy confirmations, or account updates.

If you wish to stop receiving text messages from us, reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message sent by us. Standard message and data rates may apply.

For more information, please review our Mobile Messaging Terms and Conditions at https://www.owensinsuranceinc.com/terms-of-use

10. Contact Us

Owens Insurance Agency

8560 Vineyard Ave., Ste. 110

Rancho Cucamonga, CA 91730

Phone: 909-710-7171

Email: info@owensinsuranceinc.com

11. Updates to This Policy

We may update this policy periodically. Updates will be posted on this page with a revised effective date.