Schenone Insurance Agency - Privacy Policy + California Notice at Collection (CCPA/CPRA)

Last Updated: February 26, 2026

Schenone Insurance Agency ("Schenone Insurance," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, request a quote, contact us, or otherwise interact with us online or offline.

1) Scope

This Privacy Policy applies to:

  • Visitors to our website and online forms
  • People who contact us by phone, email, chat, or text message (SMS)
  • Prospects, customers, and business contacts who request quotes or insurance services

Important insurance note: When you apply for or purchase insurance, you may receive additional privacy notices required by law from us and/or insurance carriers.

2) Personal Information We Collect

We may collect the following categories of personal information (depending on how you interact with us):

A. Identifiers & contact information

  • Name, mailing address, email address, phone number

B. Customer records / account-related information

  • Policy-related details, quote details, communications and notes, customer service interactions

C. Insurance & underwriting-related information

  • Property information, vehicle information, driver information, prior coverage details, claims/loss history, and other information needed to quote, place, or service coverage

D. Sensitive personal information (as defined by California law)

  • Government ID numbers (e.g., driver's license), Social Security number (when required), financial account information (when required), precise geolocation (rare), and health/medical information (only when relevant for certain products such as life/health-related coverage)

E. Internet / device information

  • IP address, device identifiers, browser type, pages viewed, approximate location, and interactions with our website (including cookies or similar technologies)

F. Marketing & preferences

  • Communication preferences (email/phone/SMS), and opt-in/opt-out records

3) How We Use Personal Information

We use personal information for the following business purposes:

  • Provide quotes and insurance services (including underwriting support, policy placement, servicing, renewals, certificates, and claims assistance)
  • Communicate with you by phone, email, and (if you opt in) SMS
  • Customer support and responding to inquiries
  • Compliance and legal obligations, fraud prevention, security, and auditing
  • Website operations (analytics, debugging, performance, and maintaining site security)
  • Marketing (where permitted by law) such as sending information about services you requested, or updates you asked to receive (you can opt out at any time)

4) How We Disclose Personal Information

We may disclose personal information to:

  • Insurance carriers, MGAs, and underwriting partners to obtain quotes and place/maintain coverage
  • Service providers/contractors that help us run our business (e.g., website hosting, analytics, CRM systems, communications platforms, e-signature tools, IT/security providers)
  • Professional advisors (e.g., legal, accounting) as needed
  • Government/regulators/law enforcement when required or permitted by law
  • In connection with business transactions (e.g., merger/acquisition) as permitted by law


We do not sell personal information

We do not sell personal information.


Behavioral advertising / "sharing"

We do not share personal information for cross-context behavioral advertising (as "sharing" is defined under California law). If we ever change this practice, we will update this Privacy Policy and provide any required opt-out mechanisms.

5) SMS / Mobile Phone Information (Important)

No mobile opt-in or text message consent will be shared with third parties or affiliates for marketing or promotional purposes.
We may share your mobile number and SMS-related data only with service providers who help deliver our messages (e.g., our texting platform) and only for the purpose of operating our SMS program.

6) Cookies & Similar Technologies

We may use cookies and similar technologies to:

  • Operate and secure our website
  • Understand website usage and improve performance
  • Remember preferences

You can control cookies through your browser settings. Some site features may not function properly if cookies are disabled.

7) Data Retention

We retain personal information for as long as reasonably necessary to:

  • Provide quotes and services
  • Maintain records for legal/regulatory and business purposes
  • Resolve disputes and enforce agreements


Typical retention periods (may vary):

  • Quote/inquiry records: up to 7 years from last activity
  • Customer/policy servicing records: for the life of the relationship plus up to 7 years
  • Marketing preference & opt-in/opt-out logs (including SMS): up to 4 years after last activity
  • Website logs/analytics data: typically up to 24 months

We may retain information longer where required or permitted by law.

8) Your Choices

Marketing emails

You can opt out of marketing emails by using the "unsubscribe" link (where provided) or by contacting us.


Phone calls

You can request that we stop marketing calls by contacting us.


Text messages (SMS)

You can opt out of SMS at any time by replying STOP (details below in the SMS Terms section).

9) California Notice at Collection (CCPA/CPRA)

This section applies to California residents, and is intended to provide the "Notice at Collection" and explain your rights under the California Consumer Privacy Act, as amended by the CPRA.


Categories collected & purposes

We collect the categories of personal information described in Section 2 above for the purposes described in Section 3 above.


Sold or shared?

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


Retention

See Section 7 (Data Retention).

10) California Privacy Rights (CCPA/CPRA)

Subject to certain exceptions, California residents may have the right to:

  • Know/Access: request the categories and specific pieces of personal information we collected about you
  • Delete: request deletion of personal information we collected from you
  • Correct: request correction of inaccurate personal information
  • Opt out of sale/sharing: opt out of the sale or sharing of personal information (we do not sell/share as described above)
  • Limit use of sensitive personal information: limit certain uses/disclosures of sensitive personal information (we generally use sensitive PI only as needed to provide services, comply with law, and protect against fraud/security incidents)
  • Non-discrimination: you will not be discriminated against for exercising privacy rights


How to submit a request

To submit a California privacy request, contact us:


Verification

To protect your information, we may need to verify your identity before completing certain requests. Verification methods depend on the sensitivity of the request and the information we maintain.


Authorized agents

You may use an authorized agent to submit a request on your behalf. We may require proof of the agent's authority and may also require you to verify your identity directly.

11) SMS Terms & Conditions (Text Messaging Policy)

These SMS Terms apply if you opt in to receive text messages from Schenone Insurance.


Program description

If you opt in, we may send conversational, informational, and/or promotional SMS messages, which may include:

  • Quote status updates and follow-ups
  • Appointment reminders
  • Requests for information needed to provide insurance services
  • Policy/service updates
  • Optional promotional messages (only if you opt in, where required)


Consent

By providing your mobile number and opting in, you consent to receive SMS messages from Schenone Insurance. Consent is not a condition of purchase.


Message frequency

Message frequency may vary based on your interactions and the services you request.


Costs

Message and data rates may apply depending on your mobile carrier plan.


Opt-out (full instructions)

You can opt out at any time by replying any of the following keywords to a message from us:

  • STOP, END, CANCEL, UNSUBSCRIBE, or QUIT

After you opt out, you may receive one additional message confirming your opt-out.


Help

For help, reply HELP or contact us at:


Mobile information sharing

No mobile opt-in or text message consent will be shared with third parties or affiliates for marketing or promotional purposes. We may share data with service providers who help deliver SMS messages, solely to operate our texting program.

12) Contact Us

Questions about this Privacy Policy:

13) Updates to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top.