Privacy Notice

1. Information We Collect

We collect information you provide to us, information needed to perform requested services, and limited website usage information.

• Identifiers: Name, mailing address, email address, phone number, date of birth, driver's license or identification details, and similar contact or identity information.
• Insurance and vehicle information: Driver, vehicle, VIN, registration, policy, premium, coverage, SR-22, certificate, claim, household, business, and property details needed to quote or service insurance.
• Financial, tax, and billing information: Payment status, billing records, tax preparation documents, ITIN questions, dependent information, income and expense records, and other records needed for requested tax or financial services.
• Communications: Contact form messages, AI chat messages, call notes, emails, SMS consent and opt-out records, appointment details, service updates, and timestamps.
• Device and usage information: IP address, browser and device type, approximate location inferred from IP address, pages viewed, referral source, and website interactions.
• Sensitive records: For some services we may receive Social Security numbers, taxpayer IDs, driver's license numbers, financial information, insurance records, government forms, or other sensitive information. Please do not send highly sensitive documents through AI chat or ordinary unencrypted email unless we specifically direct you to a secure process.

2. How We Use Information

• To respond to questions, route quote requests, schedule appointments, and provide customer support.
• To compare insurance options, service policies, prepare documents, support vehicle registration requests, and perform income tax services you request.
• To verify identity, eligibility, documentation, payment, and service details.
• To communicate by phone, email, text message, chat, or mail about your request, appointment, quote, policy, registration, documents, or account.
• To maintain business records, document consent and opt-outs, prevent fraud, secure our systems, comply with law, and enforce our rights.

3. How We Share Information

We share personal information only as reasonably needed for business, service, security, or legal purposes.

• Insurance and service partners: Insurance carriers, managing agencies, premium finance providers, certificate holders, claims contacts, and other partners needed to quote, bind, service, or administer insurance.
• Registration and tax partners: DMV-related processors, government portals, tax software providers, e-file providers, the IRS, California tax agencies, and other professional service providers when needed for the service you request.
• Website and operations providers: Hosting, database, CRM, form processing, email, SMS, analytics after consent, map, AI, security, payment, and customer support vendors that help us operate the website and services.
• Legal and regulatory recipients: Courts, regulators, law enforcement, government agencies, auditors, or other parties when required or appropriate to comply with law, respond to legal process, or protect our rights and customers.

4. Financial and Insurance Privacy Notice

Insurance and tax services may involve nonpublic personal information. We use this information to provide, administer, and service products and services you request; to process transactions; to maintain records; and to comply with legal and regulatory obligations.

We do not sell personal information. We do not share nonpublic personal information with nonaffiliated third parties for their own marketing unless you authorize it or the law permits it. California insurance privacy rules may give consumers an opportunity to opt out of certain non-exempt sharing.

To ask about financial or insurance privacy choices, contact us using the information at the end of this notice.

5. California Privacy Rights

California residents may have rights under CalOPPA, the CCPA/CPRA when applicable, the California Insurance Information and Privacy Protection Act, and other California privacy laws.

• Know and access: You may ask what categories of personal information we collect, use, disclose, sell, or share, and request access to information about you.
• Correct: You may ask us to correct inaccurate personal information we maintain about you.
• Delete: You may ask us to delete personal information, subject to legal, service-record, fraud-prevention, tax, insurance, and other retention exceptions.
• Opt out of sale or sharing: We do not sell personal information or share it for cross-context behavioral advertising. We treat Global Privacy Control signals as opt-out requests where required by law.
• Limit sensitive information: We use sensitive personal information only for requested services, security, legal compliance, consent records, business records, and other purposes allowed by law.
• Non-discrimination: We will not discriminate against you for exercising privacy rights.

6. Cookies, Analytics, and Browser Signals

We use essential browser storage to operate site features, remember privacy choices, support forms and language preferences, and keep AI chat history stored in your browser.

Optional Vercel Web Analytics and Google Analytics are disabled unless you allow analytics in our privacy choices popup. When allowed, they help us understand aggregate site performance, page activity, device type, referral source, and approximate location inferred from IP address.

We do not use advertising pixels or cross-context behavioral advertising on this website. Some browsers offer Do Not Track or Global Privacy Control. Because Do Not Track is not uniform across browsers, we focus on honoring Global Privacy Control where applicable as an opt-out of sale or sharing.

7. AI Chat and Automated Communications

Our public chat may use artificial intelligence and service providers to generate responses. Responses are general information only and are not legal advice, tax advice, insurance advice, a binding quote, coverage confirmation, or a carrier commitment.

AI chat messages may be processed by us and our vendors. Do not send Social Security numbers, full payment card numbers, full tax records, passwords, fingerprint records, or other highly sensitive documents through chat.

8. SMS Messaging and Email

When you provide a phone number or email address, we may contact you about your inquiry, quote, appointment, documents, policy, registration, tax service, or account. If you opt in to SMS/text messages, message frequency varies and message and data rates may apply.

Reply STOP to opt out of text messages and HELP for help. Consent to receive marketing texts is not a condition of purchase. We do not share your mobile number with third parties for their own marketing.

9. Security and Retention

We use administrative, technical, and physical safeguards designed to protect personal information. No website, email, or storage system is completely secure, so please avoid sending unnecessary sensitive information through ordinary channels.

We retain information for as long as reasonably needed to provide services, maintain legal and business records, comply with insurance, tax, registration, privacy, consent, and security obligations, resolve disputes, and protect our rights.

10. Children

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the website.

11. Changes to This Notice

We may update this Privacy Notice from time to time. Changes are effective when posted, and the Effective Date will be updated.

12. Contact Us

For privacy questions or requests, contact: Cardona's Insurance Services, 8040 S Atlantic Ave, Cudahy, CA 90201, (323) 267-4481, cardonasinsurance15@gmail.com.

California insurance disclosure: Cardona's Insurance Services; state of domicile and principal place of business: California, 8040 S Atlantic Ave, Cudahy, CA 90201.