Who we are

This Privacy Policy explains how Carvajal Commercial Inc. collects, uses, stores, protects, and shares information when you visit or interact with our website, including when you submit a quote request, contact us, request information about our commercial insurance services, communicate with us electronically, or otherwise use our online services (collectively, the “Website” or “Services”).

1. Information We Collect

Depending on how you interact with Carvajal Commercial Inc., we may collect different categories of information.

1.1 Information You Provide Directly

We may collect personal information that you voluntarily provide when you:

  • Request an insurance quote;
  • Complete a contact or inquiry form;
  • Request information about our insurance products or services;
  • Request a consultation;
  • Contact us by phone, email, text message, or other communication methods;
  • Subscribe to communications or marketing materials;
  • Submit information through a website form;
  • Communicate with an insurance representative;
  • Request assistance with an existing inquiry or service; or
  • Otherwise interact with us through the Website.

Depending on the form or service you use, information may include:

  • First and last name;
  • Business name;
  • Job title or role;
  • Email address;
  • Telephone or mobile phone number;
  • Business address;
  • Mailing address;
  • City, state, and ZIP code;
  • Type of business;
  • Industry or business operations;
  • Insurance coverage interests;
  • Information relating to your commercial insurance needs;
  • Information you choose to include in messages or inquiries; and
  • Other information you voluntarily provide.

You should only submit information that is accurate and that you are authorized to provide.

1.2 Insurance and Business Information

When you request commercial insurance information or a quote, we may collect information reasonably necessary to understand your business and insurance requirements.

Depending on the products or services requested, this may include information relating to:

  • Business operations;
  • Business location;
  • Number of employees;
  • Years in business;
  • Types of services or products offered;
  • Vehicles or commercial property;
  • Prior insurance coverage;
  • Coverage preferences;
  • Claims-related information;
  • Business classifications;
  • Estimated revenues or payroll information;
  • Property or equipment information; and
  • Other information needed to evaluate insurance options.

The specific information requested may vary depending on the type of insurance product or service you request.

1.3 Information Collected Automatically

When you visit our Website, certain information may be collected automatically through cookies, pixels, analytics technologies, server logs, and similar technologies.

This information may include:

  • IP address;
  • Browser type and version;
  • Device type;
  • Operating system;
  • Approximate geographic location;
  • Date and time of Website access;
  • Pages viewed;
  • Links clicked;
  • Referring website or source;
  • Search terms that may have directed you to our Website;
  • Time spent on pages;
  • Navigation and interaction information;
  • Website performance information; and
  • Other technical or usage information.

This information generally helps us understand how visitors use our Website, improve website functionality, monitor performance, measure advertising campaigns, and enhance the user experience.

2. Cookies and Similar Technologies

Carvajal Commercial Inc. may use cookies and similar technologies to operate, maintain, secure, analyze, and improve the Website.

A cookie is a small data file that may be placed on your device when you visit a website.

We may use cookies for purposes such as:

  • Remembering preferences;
  • Understanding how visitors use our Website;
  • Measuring Website traffic;
  • Improving Website functionality;
  • Identifying technical problems;
  • Measuring marketing and advertising performance;
  • Supporting analytics;
  • Providing relevant advertising;
  • Understanding interactions with our online forms; and
  • Improving our Services.

Some cookies may be placed by third-party service providers that perform analytics, advertising, or other services on our behalf.

You can generally control cookies through your browser settings. You may configure your browser to reject or delete cookies. However, disabling certain cookies may affect the functionality or availability of portions of our Website.

3. How We Use Your Information

Carvajal Commercial Inc. may use information we collect for legitimate business purposes, including to:

  • Respond to your inquiries;
  • Provide requested insurance information;
  • Process quote requests;
  • Understand your commercial insurance needs;
  • Connect you with an appropriate insurance professional;
  • Communicate with you about your inquiry;
  • Provide customer service;
  • Provide and improve our Services;
  • Maintain and improve the Website;
  • Personalize your Website experience;
  • Monitor Website usage and performance;
  • Analyze Website traffic and user behavior;
  • Measure advertising effectiveness;
  • Conduct marketing activities;
  • Send information about products or services that may be relevant to you;
  • Schedule consultations or follow-up communications;
  • Prevent fraud, abuse, and unauthorized activity;
  • Protect the security and integrity of our Website;
  • Comply with applicable laws and regulations;
  • Enforce our agreements and policies;
  • Respond to legal requests or governmental requirements; and
  • Perform other purposes disclosed to you at the time information is collected.

We may also use aggregated or de-identified information for analytical, statistical, research, marketing, or business purposes where the information cannot reasonably be used to identify you.

4. Commercial Insurance Quote Requests

If you submit a request for an insurance quote or consultation through our Website, the information you provide may be used to evaluate your request and determine how we can assist you.

Depending on the nature of your request, your information may be reviewed by Carvajal Commercial Inc., our insurance professionals, insurance carriers, wholesalers, brokers, or other service providers involved in assisting with your insurance inquiry.

Submitting a quote request does not guarantee that:

  • You will receive an insurance quote;
  • Coverage will be available;
  • You will qualify for coverage;
  • A particular insurance carrier will offer coverage; or
  • A policy will be issued.

Additional information may be requested during the insurance quoting or application process.

5. How We Share Your Information

We may share personal information when reasonably necessary to operate our business, provide requested Services, process insurance inquiries, or fulfill the purposes described in this Privacy Policy.

We may share information with the following categories of recipients:

Insurance Companies and Insurance Partners

When you request insurance information or a quote, we may share relevant information with insurance carriers, insurance partners, brokers, wholesalers, or other insurance professionals as reasonably necessary to evaluate coverage options or respond to your request.

Service Providers

We may use third-party companies and individuals to help operate our business and Website.

These service providers may assist with:

  • Website hosting;
  • Website maintenance;
  • Data storage;
  • Analytics;
  • Advertising;
  • Marketing;
  • Customer relationship management;
  • Communications;
  • Email delivery;
  • Text-message delivery;
  • Call tracking;
  • Form processing;
  • Security;
  • Technical support; and
  • Other business functions.

These providers may have access to personal information only as reasonably necessary to perform services for us and subject to applicable contractual or legal requirements.

Legal and Regulatory Requirements

We may disclose information when we believe disclosure is necessary to:

  • Comply with applicable law;
  • Respond to a subpoena, court order, legal process, or governmental request;
  • Protect our legal rights;
  • Enforce our agreements;
  • Investigate fraud or unauthorized activity;
  • Protect the safety of our customers, employees, Website users, or others; or
  • Protect the security and integrity of our Website and systems.

Business Transfers

If Carvajal Commercial Inc. is involved in a merger, acquisition, reorganization, financing, sale of assets, or similar business transaction, personal information may be transferred as part of that transaction, subject to applicable law.

With Your Consent

We may share information when you specifically authorize or request us to do so.

6. We Do Not Sell Personal Information for Money

Carvajal Commercial Inc. does not sell personal information for monetary consideration in the ordinary course of operating our Website.

However, certain website technologies, advertising services, analytics providers, or similar third parties may collect or receive information about Website visitors for purposes such as analytics, advertising, attribution, or measuring marketing effectiveness.

The treatment of such information may depend on applicable law and the technologies enabled on our Website.

Where required by applicable law, we will provide appropriate choices or mechanisms for exercising privacy rights relating to such activities.

7. Marketing and Advertising

We may use information collected through our Website to understand the effectiveness of our marketing and advertising campaigns.

We may use third-party advertising and analytics technologies to:

  • Measure advertisements;
  • Understand Website traffic;
  • Track conversions;
  • Determine how visitors arrive at our Website;
  • Improve advertising campaigns;
  • Build audiences based on Website interactions where permitted;
  • Deliver advertisements on third-party platforms; and
  • Understand how users interact with our advertisements.

These technologies may include cookies, pixels, tags, tracking technologies, analytics tools, and similar mechanisms.

Third-party advertising providers may process information according to their own privacy policies.

You may be able to manage certain advertising preferences through the settings or tools provided by the applicable advertising platform or your web browser.

8. Google Analytics and Similar Analytics Services

Our Website may use Google Analytics or similar analytics services to understand how visitors interact with our Website.

These services may collect information such as:

  • Device information;
  • Browser information;
  • IP address or approximate location;
  • Pages visited;
  • Website interactions;
  • Traffic sources;
  • Session information; and
  • Other Website usage information.

Analytics information may be used to improve Website performance, understand visitor behavior, measure marketing campaigns, and develop better Services.

Third-party analytics providers may use cookies or similar technologies to perform these functions.

9. Communications With You

If you provide your contact information, we may use it to communicate with you regarding:

  • Your quote request;
  • Your inquiry;
  • Requested insurance information;
  • Appointments or consultations;
  • Customer service matters;
  • Follow-up communications;
  • Website or service updates;
  • Other information you requested; and
  • Marketing communications, where permitted by law.

You may opt out of certain promotional email communications by following the unsubscribe instructions included in the applicable email.

Please note that even if you opt out of marketing communications, we may still send non-promotional communications that are necessary to respond to your request or provide services.

10. SMS and Text Message Communications

If you voluntarily provide a mobile telephone number and separately consent to receive text messages from Carvajal Commercial Inc., we may use text messaging to communicate with you regarding your inquiry, quote request, appointments, services, or promotional communications, depending on the consent you provide.

Message frequency may vary.

Message and data rates may apply.

You can opt out of text messages by following the instructions provided in the applicable message, such as replying STOP where supported.

You may also request assistance by contacting us using the information provided in the “Contact Us” section below.

Providing consent to receive marketing text messages is not a condition of purchasing insurance or other services.

Where required by law, we will obtain appropriate consent before sending marketing text messages.

Carvajal Commercial Inc. reserves the right to update this Privacy Policy as described above.