PRIVACY POLICY

www.californiafloodinsurance.com
Effective date: February 10, 2026

 

PRIVACY POLICY

California Flood Insurance Services

Effective Date: February 5, 2026

Last Updated: February 10, 2026

INTRODUCTION

California Flood Insurance Services, ‘CFIS’ (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit https://californiafloodinsurance.com and related websites, portals, quoting tools, and services (collectively, the “Services”).

This Policy applies to information collected online and offline in connection with commercial trucking insurance products, including auto liability, physical damage, motor truck cargo, general liability, workers’ compensation, umbrella, and related coverages.

  1. INFORMATION WE COLLECT

Depending on your interaction with us, we may collect the following categories of information:

1.1 Personal Information

  • Identifiers (name, business name, address, email, phone number, IP address, online identifiers)
  • Commercial information (quotes requested, coverages considered, transactions)
  • Customer records (applications, policy data, certificates, claims history, loss runs where applicable)
  • Professional information (business role, job title, years in operation)
  • Financial information (payment details, billing contacts, premium financing data if applicable)
  • Vehicle and equipment data (VINs, unit lists, garaging locations, equipment schedules)
  • Driver information (license details, driver schedules, MVR-related data where permitted)
  • Business operations data (DOT numbers, MC numbers, safety scores, filings)
  • Sensitive personal information where required for underwriting or compliance

1.2 Non-Personal Information

We collect technical and usage data such as browser type, device type, operating system, pages viewed, timestamps, and aggregated analytics data.

  1. HOW WE COLLECT INFORMATION
  • Directly from you through forms, quote requests, applications, calls, emails, chats, and uploads
  • Automatically through cookies, pixels, analytics tools, and server logs
  • From third parties such as carriers, underwriters, prior insurers, loss run providers, consumer reporting agencies where permitted, government databases, safety and compliance data providers, and identity verification vendors
  1. HOW WE USE INFORMATION
  • Provide quotes, proposals, and insurance applications
  • Bind and service trucking insurance policies
  • Issue certificates and filings
  • Support claims reporting and carrier communications
  • Verify identity and prevent fraud
  • Comply with insurance and regulatory obligations
  • Operate, secure, and improve our technology and Services
  • Communicate with you about quotes, renewals, payments, and policies
  • Send permitted marketing communications with opt-out rights
  1. AUTOMATED QUOTING AND PROFILING

We may use automated rating and underwriting tools to generate trucking insurance quote indications. Final coverage, pricing, and underwriting decisions are made by insurance carriers or licensed underwriters.

  1. HOW WE DISCLOSE INFORMATION

We do not sell personal information. We do not share personal information for cross-context behavioral advertising.

  • Insurance carriers, MGAs, underwriters, TPAs, and reinsurers
  • Service providers such as hosting, CRM, rating engines, analytics, communications, and payment vendors
  • Professional advisors and auditors
  • Regulators and government authorities where required
  • Successors in mergers or asset transfers
  • Other parties with your direction or consent
  • Recipients of aggregated or de-identified data
  1. COOKIES AND TRACKING

We use cookies and similar technologies for site functionality, analytics, and performance measurement. You can manage cookies through your browser settings. Disabling cookies may affect certain features.

  1. SMS AND ELECTRONIC COMMUNICATIONS

If you provide a mobile number and opt in to receive text messages, you may receive SMS or MMS communications related to your insurance business. These may include quote updates, underwriting requests, policy notices, billing reminders, renewal notices, lapse warnings, claims communications, and customer service alerts.

Where separately and optionally authorized, you may also receive marketing or promotional messages. Marketing consent is not required to obtain a quote, purchase insurance, or receive service.

SMS Program Disclosures:

  • Consent is not a condition of purchase
    • Message frequency varies based on your policies and activity
    • Message and data rates may apply
    • Messages may be sent using automated technology
    • Reply STOP to opt out
    • Reply HELP for help or contact us directly

We maintain records of SMS opt-in and opt-out status as part of our compliance and communication management processes.

7A. MOBILE OPT-IN DATA AND MESSAGING PRIVACY

We do not sell, rent, share, or disclose your mobile phone number or SMS opt-in data to third parties for their own marketing or promotional purposes.

Mobile opt-in information, consent records, and related messaging data are used solely to provide communications from California Flood Insurance Services and its affiliated insurance programs and brands.

We may share mobile contact data only with service providers and messaging vendors strictly as necessary to deliver communications on our behalf. These providers are contractually restricted from using the information for their own marketing, resale, or independent promotional purposes.

Mobile opt-in consent applies only to the phone number provided by the customer and is not transferable.

  1. DATA SECURITY

We use reasonable administrative, technical, and physical safeguards including access controls, monitoring, and encryption where appropriate. No system is completely secure.

  1. DATA RETENTION

We retain information as long as necessary for business, insurance, legal, tax, and regulatory purposes. Certain records may be retained longer where required by law or litigation holds.

  1. CHILDREN’S PRIVACY

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

  1. THIRD-PARTY WEBSITES

Our Services may link to third-party websites. Their privacy policies govern their data practices.

  1. CALIFORNIA PRIVACY RIGHTS (CPRA)

California residents may have rights to know, access, delete, and correct personal information, and to limit use of sensitive personal information, subject to legal exceptions. Requests require identity verification.

  1. DATA PROCESSING LOCATION

Information is processed and stored in the United States by us and our service providers.

  1. CHANGES TO THIS POLICY

We may update this Privacy Policy periodically. We will post updates with a revised date. Continued use of the Services constitutes acceptance.

  1. CONTACT

California Flood Insurance Services

Email: service@californiafloodinsurance.com

Phone: 855-225-3566

Mail: 7960 Silverton Ave. #203, San Diego, CA 92126

 

Skip to content