Privacy Policy

Effective Date: January 30, 2026

At Johal Insurance Brokers Inc., we are committed to protecting your privacy and complying with all applicable regulations, including the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and mobile carrier 10DLC requirements.

1. Information We Collect

We collect personal information that you provide directly to us through our website, including:

• Identifiers: Name, email address, mailing address, and phone number.

• Commercial Information: Property details, existing policy information, and assets for evaluation (e.g., Hotel, Apartment, or Retail data).

• Technical Data: IP address, browser type, and interactions with our website via cookies.

  
  

2. How We Use Your Information

We use your data strictly for business purposes, including:

• Calculating insurance premiums and evaluating risk (ACV vs. Replacement Cost).

• Providing professional coverage audits and communicating with you via email or phone.

• Sending requested SMS notifications regarding your account or quotes.

  
  

3. SMS & Mobile Data Privacy (Mandatory Disclosure)

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties or affiliates for their own marketing purposes.

4. Your California Privacy Rights

Under the CCPA/CPRA, California residents have the following rights:

• Right to Know: You may request to see what data we have collected about you in the last 12 months.

• Right to Delete: You may request that we delete your personal information, subject to legal and underwriting retention requirements.

• Right to Opt-Out: We do not sell or share your personal information. However, you may explicitly request to opt-out of any future data sharing by contacting us.

• Right to Correct: You may request that we update inaccurate information in your profile.

  
  

5. Data Security

We implement technical and organizational security measures, including encryption and restricted access, to protect your data from unauthorized access or disclosure.

6. Contact Us

For any questions regarding this policy or to exercise your privacy rights, please contact us at: Johal Insurance Brokers Inc. Email: service@johalinsurancebrokers.com Phone: (805) 380-5564