California Consumer Privacy Act (CCPA) Privacy Notice

Effective Date: January 1, 2026

At SMA Insurance, we believe that protecting your data is just as important as protecting your assets. This notice explains how we collect, use, and safeguard the personal information of California residents, ensuring you have total clarity and control over your "digital shield."

1. The Information We Collect

In the past 12 months, we may have collected the following categories of personal information to provide you with tailored insurance solutions:

Identifiers: Name, alias, postal address, email address, phone number, and Social Security number (for underwriting).

Protected Classifications: Age, gender, and marital status.

Commercial Information: Records of policies purchased, vehicles insured, and claims history.

Internet Activity: Information on how you interact with our website (smains.com), including IP addresses and browsing behavior.

Professional/Employment Info: For commercial policies or workers' compensation, we may collect your occupation and employer details.

Sensitive Personal Information: Driver’s license numbers and financial account information for premium payments.

2. Sources of Information

We gather this information directly from you when you:

Request a quote or a "Risk Assessment."

Interact with our website or digital tools.

Communicate with our advisors via phone or email. We may also receive information from third-party partners, such as insurance carriers or credit reporting agencies, solely for the purpose of providing accurate quotes.

3. How We Use Your Data (Our Purpose)

We use your information to act as your Trusted Shield. This includes:

Processing your insurance applications and renewals.

Comparing carriers to find your best premium and coverage.

Communicating with you regarding your "annual insurance review."

Detecting and preventing fraudulent activity.

4. Sharing and "Selling" of Information

We do not sell your personal information for money. As independent agents, we share your information with insurance carriers (such as Travelers, Progressive, etc.) to get you the quotes you requested. Under the CCPA, sharing for targeted advertising can sometimes be classified as a "sale," but SMA Insurance does not engage in the business of selling your data to third-party brokers.

5. Your Rights as a California Resident

You are the "Hero" of your story, and that means you have the power to control your data:

Right to Know: You can ask us what personal information we have collected and how we’ve used it.

Right to Delete: You can request that we delete your personal information (subject to certain legal exceptions, like maintaining your active insurance policy).

Right to Correct: You can ask us to fix inaccurate information.

Right to Opt-Out: You can tell us not to "sell" or "share" your personal information for non-essential marketing.

Right to Non-Discrimination: We will never provide a lower quality of service or higher prices just because you exercised your privacy rights.

6. How to Exercise Your Rights

If you would like to submit a request to know, delete, or correct your data, you can reach out to our team directly:

Call Us: 214-342-3109

Email Us: [email protected]

Online: Visit our Contact Page and mention "CCPA Request" in the comments.

We will verify your identity before processing your request to ensure your information stays in the right hands.