Privacy Policy

Last Updated: 05/20/2024

Spektra Insurance Solutions (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website [Your Website URL], use our services, or otherwise interact with us. By using our website or services, you agree to the terms of this Privacy Policy.

Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including but not limited to:

• Name
• Email address
• Phone number
• Address
• Any other information you provide in communication with us

Non-Personal Information

We may collect non-personal information about you automatically when you access our website. This information may include:

• IP address
• Browser type
• Operating system
• Access times
• Pages viewed
• Website navigation paths

How We Use Your Information

We may use the information we collect from you to:

• Provide, operate, and maintain our website and services
• Improve, personalize, and expand our website and services
• Understand and analyze how you use our website and services
• Develop new products, services, features, and functionality
• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
• Process your transactions and manage your orders
• Send you emails and text messages
• Find and prevent fraud
• Comply with legal obligations

Disclosure of Your Information

We may share your information in the following situations:

• SMS Consent or phone numbers are not shared for the purpose of SMS with third parties or affiliates.
• Service Providers: We may share your information with third-party service providers that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy and to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: You have the right to request access to your personal information.
• Correction: You have the right to request that we correct any personal information you believe is inaccurate or complete information you believe is incomplete.
• Deletion: You have the right to request that we delete your personal information, under certain conditions.
• Restrict Processing: You have the right to request that we restrict the processing of your personal information, under certain conditions.
• Object to Processing: You have the right to object to our processing of your personal information, under certain conditions.
• Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our contact information below.

California Privacy Rights

If you are a California resident, you have the following specific rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.
• Right to Delete: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.
• Right to Opt-Out of Sale: You have the right to request that we do not sell your personal information to third parties. We do not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise your CCPA rights, please contact us using the contact information provided below.

Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Spektra Insurance Solutions
3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108
info@spektrainsurancesolutions.com
888 808 1945

By using our website and services, you acknowledge that you have read and understand this Privacy Policy and agree to its terms. Thank you for trusting Spektra Insurance Solutions with your personal information.