Our Commitment to Privacy

Bidwell Insurance Agency, Inc. respects the privacy and confidentiality of the information entrusted to us. This Privacy Policy explains how we may collect, use, disclose, and protect information obtained through www.bidwellinsurance.com, through online forms and other electronic communications, and in connection with inquiries regarding our insurance services.

Because insurance transactions may also be subject to federal and state insurance privacy laws, additional privacy notices or disclosures may apply depending on the type of insurance transaction and the information involved.

The Information We Collect

Information You Provide to Us

We may collect information that you voluntarily provide when you:

• Request an insurance quote
• Submit an insurance application or supplemental application
• Request a certificate of insurance
• Contact us regarding an existing policy
• Report or discuss a claim
• Request a bond
• Complete an online form
• Send documents or other information to us
• Communicate with us by telephone, email, text message, website form, or other means

Depending on the type of insurance or service requested, this information may include:

• Name
• Business name
• Mailing or physical address
• Email address
• Telephone number
• Business ownership or management information
• Business operations and exposures
• Property, building, equipment, vehicle, or location information
• Revenue, payroll, sales, or other underwriting information
• Driver or employee information
• Existing or prior insurance information
• Loss or claims history
• Policy and coverage information
• Information contained in applications, questionnaires, schedules, certificates, or supporting documents
• Other information reasonably necessary to obtain, evaluate, place, issue, administer, or service insurance

Some insurance transactions may require additional personal or financial information. We seek to collect only information reasonably related to the insurance product or service requested or otherwise permitted or required by law.

Information Collected Automatically Through Our Website

Our website and the service providers that support it may automatically process limited technical information when the website is accessed.

This may include:

• IP address
• Browser or device information
• Website session information
• Pages or features accessed
• Security or fraud-prevention information
• Technical performance information

Our website may use cookies and similar technologies for:

• Website functionality
• Security
• Administration
• Accessibility
• Session management
• Limited website traffic or performance measurement

Bidwell Insurance Agency does not intentionally use advertising pixels or cross-site behavioral tracking technologies on this website for targeted advertising purposes.

We do not sell website visitor information for monetary consideration.

Online Forms and Zoho

Bidwell Insurance Agency uses third-party technology providers, including Zoho, to host or process certain online forms and business functions. When you complete an embedded Zoho form on our website, information entered into that form may be transmitted to and processed through Zoho's systems on our behalf.

Zoho and other technology providers may process limited technical or personal information as necessary to provide their services, maintain security, prevent fraud, troubleshoot technical issues, or perform other functions permitted under their agreements and applicable law.

We do not control the independent privacy practices of third-party service providers. Their services may also be subject to their own privacy policies and legal obligations.

How We Use Information

We may use information collected from or about you to:

• Respond to inquiries
• Evaluate insurance needs
• Obtain insurance quotations
• Prepare or submit applications
• Market an account to appropriate insurance companies, managing general agents, wholesalers, or other insurance markets
• Place, bind, renew, modify, or cancel insurance coverage
• Issue or process certificates and evidence of insurance
• Service policies and accounts
• Assist with billing, premium financing, audits, claims, loss control, or other policy-related matters
• Communicate with insurance companies and other parties involved in an insurance transaction
• Maintain required business and insurance records
• Detect or prevent fraud or unauthorized activity
• Protect our systems, clients, employees, and business
• Comply with legal, regulatory, licensing, contractual, or insurance-industry requirements

Information We May Disclose

Insurance cannot generally be quoted, placed, issued, or serviced without communicating information to other organizations involved in the insurance transaction.

Depending on the circumstances, we may disclose information to:

• Insurance companies
• Managing general agents
• Wholesalers and surplus-lines brokers
• Insurance program administrators
• Underwriting organizations
• Premium finance companies
• Claims administrators or adjusters
• Loss-control providers
• Inspection companies
• Insurance support organizations
• Service providers that assist us with technology, communications, document management, cybersecurity, accounting, or business operations
• Governmental, regulatory, law-enforcement, or legal authorities when required or permitted by law
• Other parties when directed or authorized by you

We disclose information as reasonably necessary to obtain, place, administer, or service insurance, operate our business, comply with law, or fulfill another legitimate purpose described in this Privacy Policy.

Insurance Companies and Other Independent Organizations

When we submit information to an insurance company, managing general agent, wholesaler, premium finance company, or another independent organization in connection with an insurance transaction, that organization may process the information pursuant to its own legal obligations and privacy practices.

Bidwell Insurance Agency does not control the independent privacy practices or subsequent lawful use of information by an unaffiliated insurance company or other independent organization.

You may receive a separate privacy notice directly from an insurer or another organization involved in the transaction.

Sale of Personal Information

Bidwell Insurance Agency does not sell personal information for monetary consideration.

We may disclose personal information to service providers and insurance-industry participants as described in this Privacy Policy when reasonably necessary to provide requested services, conduct insurance transactions, operate our business, or comply with applicable law.

Those business and insurance-related disclosures should not be understood to mean that Bidwell Insurance Agency sells customer lists or personal information to unrelated companies for their independent commercial marketing purposes.

Insurance Privacy Rights

Certain insurance transactions involving individuals may be subject to the California Insurance Information and Privacy Protection Act, the Gramm-Leach-Bliley Act, California Department of Insurance privacy regulations, or other applicable privacy laws.

Depending on the transaction and applicable law, individuals may have rights relating to:

• Notice of information practices
• Access to certain information maintained about them
• Correction or amendment of certain information
• Restrictions on certain disclosures
• Receiving information regarding adverse underwriting decisions
• Other rights provided by applicable insurance or privacy law

Not every right applies to every insurance transaction or every type of information.

Where required, Bidwell Insurance Agency or the applicable insurance company will provide additional privacy notices describing rights applicable to the particular transaction.

Opt-Out Rights

Certain privacy laws provide individuals with the right to restrict particular types of disclosures.

These rights generally do not prevent Bidwell Insurance Agency from using or disclosing information when reasonably necessary or legally permitted to:

• Obtain an insurance quote requested by you
• Submit an application
• Underwrite or place insurance
• Administer or service a policy
• Process a claim
• Prevent fraud
• Comply with legal or regulatory requirements
• Perform other activities permitted by applicable insurance law

Where an applicable law requires Bidwell Insurance Agency to provide an opt-out right for a particular disclosure, we will provide the required notice and a method for exercising that right.

Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect nonpublic personal information from unauthorized access, use, alteration, or disclosure.

Our security practices may include access controls, authentication requirements, secure technology systems, employee procedures, service-provider oversight, and other safeguards appropriate to the nature of the information involved.

No electronic system or method of transmission can be guaranteed to be completely secure.

Service Providers

We use third-party service providers to assist with functions such as:

• Website hosting
• Online forms
• Customer relationship management
• Email and communications
• Document storage and management
• Cybersecurity
• Accounting and payment-related services
• Insurance-related processing
• Accessibility
• Other ordinary business operations

We seek to use reputable providers and to limit access to information to what is reasonably necessary for the services being provided.

Data Retention

We retain information for as long as reasonably necessary for insurance transactions, account servicing, business operations, regulatory requirements, legal obligations, dispute resolution, or other legitimate business purposes.

Because insurance records may need to be maintained for extended periods, retention periods vary according to the type of information and applicable legal or business requirements.

Third-Party Websites

Our website may contain links to websites or services operated by insurance companies, service providers, government agencies, vendors, or other third parties.

When you access an independently operated third-party website, its privacy and security practices apply.

Bidwell Insurance Agency is not responsible for the independent content, privacy practices, security practices, or actions of third-party websites.

Children's Privacy

Our website and insurance services are not directed to children under 13, and we do not knowingly collect personal information online directly from children under 13 except where information is appropriately provided by a parent, guardian, or other authorized person in connection with an insurance transaction.

Access, Correction and Privacy Questions

If you have questions about information maintained by Bidwell Insurance Agency or wish to request access to or correction of information where applicable, please contact us.

We may take reasonable steps to verify your identity before responding to requests involving personal or confidential information.

Additional procedures or rights may apply to information maintained by insurance companies or other organizations involved in an insurance transaction.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our website, technology, service providers, business practices, insurance operations, or applicable law.

When changes are made, we will update the Effective Date shown at the beginning of this policy.

Contact Us

Questions concerning this Privacy Policy or Bidwell Insurance Agency's privacy practices may be directed to us through the contact information provided on our website.

Bidwell Insurance Agency, Inc.
Chico, California
www.bidwellinsurance.com