Privacy Policy
Last Updated: July 2026
This Privacy Policy ("Policy") explains how personal information is collected, used, disclosed, and secured by PMG Insurance Services Inc., dba Guidepost Insurance Services ("Company," "we," "us," or "our") when you ("you," "your," or "user") access or use our website(s) (the "Site") or otherwise interact with us as a commercial insurance agency. This Policy is intended to comply with the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), the California Insurance Information and Privacy Protection Act (Cal. Ins. Code § 791 et seq.), the Gramm-Leach-Bliley Act (GLBA) and California's Financial Information Privacy Act, and other applicable California and federal privacy laws.
If you do not agree to the terms of this Policy, please do not use the Site.
We may update this Policy from time to time. We will indicate the date it was last updated at the top of this page, and material changes will be posted here at least 30 days before they take effect where required by law. Your continued use of the Site following the posting of changes means you accept those changes.
1 What Is Personal Information?
"Personal information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. This includes, but is not limited to:
- Identifiers (name, address, email, phone number, Social Security number, driver's license number, IP address)
- Insurance and financial information (policy numbers, coverage details, premium and billing information, claims history, credit-related information used for underwriting)
- Commercial information (products or services purchased, purchasing history)
- Internet or other electronic network activity (browsing history on our Site, interactions with our ads or communications)
- Geolocation data
- Professional or employment-related information (for commercial policyholders and their business information)
- Inferences drawn from any of the above to create a profile about you
Personal information does not include lawfully available public information, or de-identified/aggregate information from which individual identities have been removed.
We may also collect sensitive personal information, such as Social Security numbers, driver's license numbers, financial account information, or precise geolocation, where necessary to quote, bind, service, or administer insurance policies.
2 How We Collect Information
Active Collection. We collect information you provide directly, such as when you request a quote, apply for or renew a commercial insurance policy, submit a claim, contact us by phone, email, or web form, or otherwise interact with our agents. This may include information about your business (entity name, EIN, industry, payroll, revenue, property values, employee counts), owners, officers, or employees, and third parties named on a policy (e.g., additional insureds, loss payees).
Passive Collection. When you use the Site, we automatically collect certain information, including IP address, browser and device type, pages visited, referring URLs, and the date/time of visits.
Cookies and Similar Technologies. We use persistent and session cookies, web beacons, pixels, and similar technologies to operate the Site, remember preferences, analyze traffic, and, where applicable, support advertising. You can control cookies through your browser settings; disabling cookies may affect Site functionality. We honor Global Privacy Control (GPC) and similar opt-out preference signals as a valid request to opt out of the sale or sharing of personal information, as required under the CPRA.
From Third Parties. We may receive personal information about you or your business from insurance carriers, wholesalers, credit reporting agencies, loss-history databases (e.g., claims databases), motor vehicle records, public records, and other insurance industry sources for underwriting, rating, and claims purposes, consistent with the California Insurance Information and Privacy Protection Act.
3 How We Use Personal Information
We use personal information for purposes including:
- Providing insurance quotes, underwriting, binding, issuing, and servicing commercial insurance policies
- Processing premium payments and billing
- Investigating, processing, and settling claims
- Complying with insurance regulatory and legal obligations
- Detecting and preventing fraud
- Communicating with you about your account, policy, or requested services
- Improving and securing the Site
- Marketing our products and services, where permitted, and as described below
We do not use sensitive personal information to infer characteristics about you beyond what is necessary to provide insurance products and services, consistent with CPRA requirements.
4 How We Share Personal Information
We may share personal information with:
- Insurance carriers and underwriters, to obtain quotes and bind, issue, and service your policy
- Reinsurers, claims administrators, and adjusters, to process and settle claims
- Service providers who perform functions on our behalf (e.g., policy management systems, payment processors, IT support), under contracts limiting their use of the information to providing services to us
- Insurance support organizations and reporting agencies (e.g., loss-history and motor vehicle record databases), consistent with insurance industry practice
- Regulators, law enforcement, or courts, where required by law, subpoena, or court order
- A successor entity, in connection with a merger, acquisition, or sale of business assets
We do not sell personal information for money. We may, however, share certain identifiers, internet activity, or commercial information with advertising or analytics partners in a manner that may be considered a "sale" or "sharing" under the CPRA's broad definitions. You have the right to opt out of this at any time (see Section 5).
We will not share personal information with third parties for their own independent marketing purposes without your consent, except as described in this Policy.
5 Your California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have the right to:
- Know what personal information we have collected, used, disclosed, and sold/shared about you in the preceding 12 months
- Delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to service an active policy, comply with insurance recordkeeping laws, or detect fraud)
- Correct inaccurate personal information
- Opt out of the sale or sharing of your personal information
- Limit the use and disclosure of sensitive personal information to purposes necessary to provide the requested insurance products and services
- Non-discrimination for exercising any of these rights
To exercise these rights, contact us at:
We will verify your identity before processing requests and will respond within the timeframes required by law (generally 45 days, extendable by an additional 45 days when reasonably necessary). You may designate an authorized agent to submit requests on your behalf.
Do Not Sell or Share My Personal Information. To opt out, email [email protected] with the subject line "CCPA Opt-Out," or adjust your browser's Global Privacy Control setting, which we will honor automatically.
6 Insurance-Specific Privacy Rights
California Insurance Information and Privacy Protection Act
As a licensed insurance agency, we are also subject to California Insurance Code § 791 et seq. Under this law, you have the right to:
- Be notified of our information practices in connection with insurance transactions
- Access and correct personal information we hold about you in connection with an insurance application, policy, or claim
- Request the reasons for an adverse underwriting decision
- Restrict our disclosure of certain personal information gathered in an insurance transaction, subject to statutory exceptions (e.g., disclosures to reinsurers, claims administrators, regulators, or as required by law)
7 Financial Privacy
Gramm-Leach-Bliley Act / California Financial Information Privacy Act
Because we handle nonpublic personal financial information in connection with insurance products, we are also subject to the GLBA and, where applicable, California's Financial Information Privacy Act (SB 1). We do not disclose nonpublic personal financial information about our current or former customers to nonaffiliated third parties, except as permitted by law (e.g., to service your policy, process claims, or comply with legal obligations). We do not sell your nonpublic personal financial information to third parties for their own marketing purposes.
8 Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, including servicing your policy, handling claims, and complying with insurance recordkeeping and statute-of-limitations requirements under California law. Retention periods vary depending on the type of policy and applicable regulatory requirements.
9 Children's Privacy
The Site is not directed to, and we do not knowingly collect personal information from, children under the age of 13. If we learn we have inadvertently collected personal information from a child under 13, we will take reasonable steps to delete it.
10 Third-Party Links
The Site may contain links to third-party websites, including carrier portals or payment processors. This Policy does not apply to those sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party site before providing personal information.
11 Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any account credentials.
12 Governing Law
This Policy and our privacy practices are governed by the laws of the State of California, without regard to conflict-of-law principles, except as otherwise required by applicable federal law. Users located outside the United States use the Site at their own initiative and are responsible for compliance with local laws.
13 Contact Us
If you have questions about this Policy or wish to exercise your privacy rights, please contact us:
PMG Insurance Services Inc. dba Guidepost Insurance Services