Privacy Policy

Introduction

PB Individual Insurance (“PBII,” “we,” “us,” or “our”) is an employee benefits and insurance brokerage based in Pasadena, California. We respect the privacy of visitors to our website and the individuals whose information we receive in the course of providing brokerage and consulting services.

This Privacy Policy describes how we collect, use, share, and protect personal information when you (a) visit https://www.pbiinsurance.com/ (the “Site”), (b) submit information to us through forms, email, or other communications, or (c) interact with us in connection with the insurance, employee benefits, and related services we provide.

This Policy does not apply to information collected by third-party websites linked from our Site, by insurance carriers or other vendors that have their own privacy practices, or by your employer in its capacity as plan sponsor.

By accessing or using the Site, you agree to the terms of this Privacy Policy.

Information We Collect

We collect the following categories of information:
Information You Provide Directly. When you complete a contact or quote form, sign up for our email newsletter, or otherwise communicate with us, we may collect your name, email address, phone number, employer name, job title, postal address, areas of interest, and any other information you choose to share.

Information Collected Automatically. When you visit the Site, we and our website hosting provider may automatically collect certain technical information, including IP address, browser type, device type, operating system, referring website, pages visited, time spent on pages, and similar usage data. This information is collected through cookies and similar technologies (see “Cookies and Tracking” below).

Information We Do Not Collect Through the Site. Our Site is not designed or intended to collect sensitive personal information such as Social Security numbers or protected health information (“PHI”). Please do not submit such information through any form, email, or other channel on our Site.

How We Use Your Information

We use the information we collect for the following purposes:

• To respond to inquiries and quote requests
• To provide insurance brokerage, consulting, and related services to our clients
• To assist with the placement, renewal, and administration of insurance policies
• To communicate with you about plan options, renewals, regulatory updates, and educational content
• To send our email newsletter (where you have opted in)
• To improve our Site, services, and client experience
• To comply with applicable laws, regulations, and professional obligations
• To detect, prevent, and address fraud, security incidents, and other unlawful activity
• For any other purpose disclosed at the time you provide the information, or with your consent

How We Share Your Information

We do not sell your personal information. We share information only as described below:

Insurance Carriers and Plan Administrators. To obtain quotes, place coverage, submit claims, and administer plans, we share necessary information with insurance carriers, third-party administrators (TPAs), pharmacy benefit managers, retirement plan recordkeepers, and similar parties.

Service Providers and Vendors. We share information with service providers that perform functions on our behalf, including website hosting, customer relationship management (CRM), email marketing, information technology and cybersecurity, virtual administrative staffing, and professional advisors. These vendors are contractually obligated to protect your information and to use it only for the purposes for which we engage them.

Legal and Regulatory. We may disclose information when required by law, subpoena, court order, or regulatory request, or when we believe in good faith that disclosure is necessary to protect the rights, property, or safety of PBII, our clients, or others.

Business Transfers. In the event of a merger, acquisition, sale of assets, or similar transaction, your information may be transferred as part of that transaction, subject to applicable law.

Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to function properly, monitor performance, and understand how visitors interact with the Site. The categories of cookies used on our Site include:

Strictly Necessary / Functional Cookies. First-party session cookies that enable the Site to operate, including session tracking and navigation. These cookies cannot be disabled.

Security and Performance Cookies. Cookies provided by services such as Cloudflare and Datadog to protect against malicious traffic, ensure reliable content delivery, and monitor Site performance.

Analytics Cookies. Google Analytics cookies used to understand how visitors interact with our Site so we can improve content and user experience.

Interactive Content Cookies. Where our Site includes financial calculators, embedded videos, or interactive quizzes, cookies from third-party providers (such as CalcXML, Wistia, Riddle, or Genially) may be used to power those features.

We do not use third-party advertising pixels and do not sell or share visitor data with advertising networks.

You may control or disable non-essential cookies through your browser settings. Disabling functional cookies may affect Site functionality.

Your Privacy Rights

Depending on where you live, you may have rights with respect to the personal information we hold about you, including:

• The right to know what personal information we have collected
• The right to access or receive a copy of that information
• The right to request correction of inaccurate information
• The right to request deletion of your information, subject to applicable exceptions
• The right to opt out of marketing communications at any time

To exercise any of these rights, please contact us using the information in the “Contact Us” section. We may need to verify your identity before responding to your request.

California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”).

Categories of Personal Information Collected. In the preceding 12 months, we may have collected the following categories of personal information from California residents:

• Identifiers (name, address, email, phone, IP address)
• Categories of personal information described in the California Customer Records statute
• Professional or employment-related information
• Commercial information (insurance and plan transaction history)
• Internet or other electronic network activity information
• Geolocation data (general location derived from IP address)
• Inferences drawn from the above

We collect this information from you directly, from our clients and their authorized representatives, from automated collection on our Site, and from third parties involved in placing and administering coverage.

Sale or Sharing. PBII does not sell personal information and does not share personal information for cross-context behavioral advertising as those terms are defined under the CCPA.

Your CCPA Rights. California residents have the right to:

• Know what personal information we have collected
• Request a copy of their personal information
• Request correction of inaccurate information
• Request deletion of personal information, subject to applicable exceptions
• Limit the use and disclosure of sensitive personal information
• Non-discrimination for exercising these rights

To submit a request, contact us at info@pbiinsurance.com. You may designate an authorized agent to submit a request on your behalf, subject to verification.

Residents of Other States

Residents of Oregon, Nevada, and other states with comprehensive consumer privacy laws may have rights similar to those described above. Please contact us using the information below to exercise those rights, and we will respond as required by the law of your state of residence.

Children’s Privacy

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected such information without verified parental consent, we will delete it promptly. If you believe we may have collected information from a child under 13, please contact us.

Data Retention

We retain personal information for as long as necessary to provide the services you have requested, comply with our legal and regulatory obligations (including under applicable insurance laws), resolve disputes, and enforce our agreements. Specific retention periods vary based on the type of information and the purpose for which it was collected.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, misuse, unauthorized access, disclosure, alteration, and destruction. Our website infrastructure is hosted in the United States, and data transmitted to and from the Site is encrypted in transit using HTTPS. Our website hosting provider maintains an annual SOC 2 Type 2 audit. No method of electronic transmission or storage is 100% secure, however, and we cannot guarantee absolute security.

Third-Party Links

Our Site may contain links to third-party websites, including insurance carriers, government resources, and partner sites. We are not responsible for the privacy practices of those sites. Please review their privacy policies before providing personal information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any updates on this page with a revised “Last Updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Policy.

Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, or if you wish to exercise any privacy rights, please contact us:

PB Individual Insurance
3579 East Foothill Boulevard, Suite 250
Pasadena, CA 91107
Email: info@pbiinsurance.com
Phone: (626) 568-1540