Alternative Options Insurance Agency ("Alternative Options," "we," "us," or "our") respects your privacy and is committed to protecting the personal information we collect through our website at alternativeoptions.insure (the "Site") and through our insurance brokerage and consulting services.
This Privacy Policy explains what information we collect, how we use it, when we share it, and the rights you have under California and federal law. By using the Site or contacting us, you agree to the practices described in this Privacy Policy.
1. Who We Are
Alternative Options Insurance Agency is a California-licensed property and casualty insurance agency (CA License 6017795) headquartered at 1420 Gorgen Lane, Upland, CA 91784. We help employers evaluate and structure workers compensation, employer healthcare, PEO, trucking, and risk management programs.
2. Information We Collect
We collect information in three ways: information you provide directly, information collected automatically, and information from third parties.
Information You Provide
When you contact us through our Site, complete a form, request a quote, or engage our services, we may collect:
- Name, business name, and job title
- Email address, phone number, and mailing address
- Business information such as industry, payroll, employee count, and operations
- Insurance-related information such as loss runs, experience modifications, current coverage, and claims history
- Any other information you choose to share with us in correspondence
Information Collected Automatically
When you visit our Site, we automatically collect certain technical information through Google Analytics and standard web server logs, including:
- IP address and approximate geographic location
- Browser type, operating system, and device information
- Pages visited, time on page, and referring URLs
- Cookies and similar tracking technologies
Information From Third Parties
In the course of providing insurance brokerage services, we may receive information about you or your business from insurance carriers, prior brokers, government agencies, credit bureaus, or other third parties. This information may include underwriting data, loss history, regulatory filings, and other risk-related information.
3. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide the services you request
- Quote, place, service, and renew insurance coverage
- Evaluate PEO, healthcare, and risk management options on your behalf
- Communicate with you about your account, coverage, or our services
- Comply with legal, regulatory, and licensing obligations
- Improve the Site, our services, and our communications
- Detect, prevent, and respond to fraud or security incidents
4. How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances.
With Insurance Carriers and Service Providers
To quote, place, or service coverage, we share information with insurance carriers, underwriters, third-party administrators, PEOs, and service providers who help us operate our business (such as IT, email, and document management vendors).
For Legal and Regulatory Compliance
We may disclose information when required by law, regulation, court order, subpoena, or to comply with the California Department of Insurance, the IRS, or other governmental authorities.
In Connection With a Business Transaction
If we are involved in a merger, acquisition, sale of assets, or similar transaction, your information may be transferred as part of that transaction, subject to the protections described in this Privacy Policy.
With Your Consent
We may share information with other parties when you direct us to do so, such as referrals to attorneys, accountants, or other advisors.
5. Gramm-Leach-Bliley Act Notice
As a licensed insurance agency, we are subject to the federal Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy regulations. We collect nonpublic personal information about you only as needed to provide insurance products and services. We restrict access to nonpublic personal information to employees and service providers who need the information to provide services to you. We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information.
We do not disclose nonpublic personal information about current or former clients to nonaffiliated third parties except as permitted or required by law.
6. Cookies and Analytics
We use Google Analytics to understand how visitors use the Site. Google Analytics uses cookies to collect information such as how often users visit the Site, what pages they visit, and what other sites they used prior to coming to the Site. We use this information only to improve the Site.
You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on at tools.google.com/dlpage/gaoptout. You can also disable cookies through your browser settings, although some parts of the Site may not function properly if you do.
7. Your California Privacy Rights
If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to:
- Know what personal information we collect, use, and disclose
- Request deletion of your personal information, subject to legal exceptions
- Correct inaccurate personal information
- Opt out of the sale or sharing of personal information (we do not sell personal information)
- Limit the use of sensitive personal information
- Be free from discrimination for exercising these rights
To exercise these rights, contact us at jon@alternativeoptions.insure or (530) 518-8096.
8. Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal and regulatory obligations (including insurance recordkeeping requirements), resolve disputes, and enforce our agreements. Insurance and brokerage records are typically retained for at least the period required by California Department of Insurance regulations and applicable statutes of limitation.
9. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
10. Children's Privacy
The Site is intended for business use and is not directed to children under 16. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.
11. Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party site you visit.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of the policy. Material changes will be posted on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the updated Privacy Policy.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us at:
Alternative Options Insurance Agency
Attn: Privacy
1420 Gorgen Lane
Upland, CA 91784
Email: jon@alternativeoptions.insure
Phone: (530) 518-8096
CA License 6017795