Privacy Policy & Terms of Use

At Keegan Insurance Solutions (“we,” “our,” or “us”), your privacy is important to us. This Privacy Policy and Terms of Use explain how we collect, use, and protect your personal information, and outline the conditions of using our website and services. We comply with the California Department of Insurance (CDI), the California Consumer Privacy Act (CCPA/CPRA), and the Gramm-Leach-Bliley Act (GLBA).

Information We Collect

We collect only the personal information necessary to provide insurance quotes and services, including:
- Name, email address, phone number, mailing address
- Insurance-related details you provide (e.g., household information, age, financial details necessary for quotes)
- Communications you send to us (email, phone, or form submissions)

Sensitive Information:
We do not intentionally collect sensitive health or medical records through our website. Any health-related information you voluntarily provide is used solely to generate insurance quotes and will only be shared with licensed carriers as necessary.

Information Collected Automatically by Third Parties

We do not directly collect or store technical information such as IP addresses, browser type, or device identifiers. However, third-party providers (such as Hostinger, Google, or Facebook) may automatically collect such information when you interact with our website, forms, or social media pages. This collection is governed by their respective privacy policies, not by Keegan Insurance Solutions.

How We Use Your Information

We use your personal information for the following purposes:
- Providing insurance quotes and services
- Contacting you by phone, email, or text message (with your consent)
- Servicing policies and client relationships
- Complying with legal or regulatory requirements

We will never sell your personal information to third parties.

Phone & Text Messaging Policy

By providing your phone number, you consent to receiving calls and text messages from Keegan Insurance Solutions related to insurance services. Standard messaging and data rates may apply.
- Reply STOP to unsubscribe at any time.
- Reply HELP for help or support.

We will not share your phone number with third parties for marketing purposes. We may disclose information if required by law.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Sharing of Information

We may share your information with:
- Licensed insurance carriers and partners to provide quotes or service policies
- Service providers who support our business operations (e.g., technology or compliance vendors)

We do not allow these third parties to use your information for their own marketing purposes.

Your Rights Under CCPA/CPRA

California residents have the right to:
- Know what personal information we collect, use, and share
- Request deletion of your personal information, subject to legal and business requirements
- Opt out of the sale of personal information (we do not sell personal information)
- Be free from discrimination for exercising your privacy rights

You may submit a privacy request by contacting us at the phone number or email provided below.

Data Security

We implement reasonable safeguards to protect your personal information from unauthorized access, disclosure, or misuse. However, no system is 100% secure, and we cannot guarantee absolute security.

Terms of Use & Disclaimer

The content provided on our website and social media pages is for informational purposes only.
- Insurance availability, pricing, and terms are subject to carrier underwriting guidelines and state regulations.
- Nothing on this website should be construed as legal, tax, or investment advice.
- While we strive to keep information accurate and up-to-date, we make no guarantees of coverage, benefits, or rates until confirmed by a licensed carrier.
- Keegan Insurance Solutions is licensed in California and conducts insurance business only within this state.

Updates to This Policy

We may update this Privacy Policy and Terms of Use from time to time. The updated version will be posted on our website with the date of the last revision.

Contact Us

If you have questions or requests regarding this Privacy Policy and Terms of Use, please contact us at:
Keegan Insurance Solutions
1040 W Kettleman Lane

Ste 1 B PMB 1027

Lodi, CA 95240
robert@keeganinsurnacesolutions.com
(209) 320-7235